Chase Ink Business Credit Cards

Why I Use 0% APR Business Credit Cards

I’ve personally used Chase Ink business credit cards to fund major investments in my business, including furnishing Airbnbs, hiring agencies, and investing in business growth. Instead of seeking loans or payment plans with added interest, I leverage 0% APR to manage my cash flow efficiently and keep my money working for me.

If you’re strategic with these cards, you can access interest-free financing while earning rewards and statement credits. Below, I’ll break down the best Chase Ink cards for 0% APR, how to use them wisely, and how to apply.

The Best Chase Ink Business Cards for 0% APR

Chase offers several business credit cards, but the two with 0% APR offers are the best for maximizing interest-free financing:

1. Chase Ink Business Unlimited®

• 0% APR: 12 months on purchases

• Annual Fee: $0

• Statement Credit Offer: $750 bonus after $6,000 spend in 3 months

• Rewards: 1.5% unlimited cashback on all purchases

2. Chase Ink Business Cash®

• 0% APR: 12 months on purchases

• Annual Fee: $0

• Statement Credit Offer: Earn a $350 statement credit after spending $3,000 in the first three months, with the potential to reach $750 if total spending reaches $6,000.

• Rewards: 5% cashback on office supplies, internet, cable, phone (up to $25k/year); 2% on gas stations & dining (up to $25k/year); 1% on everything else

 

How to Use the 0% APR Wisely

1. Break Your Payments into Manageable Chunks

Since you have 12 months of 0% interest, divide your total spend by 11 and set aside that amount each month to ensure you pay off the balance before interest kicks in.

Example: If you spend $11,000 on business expenses, setting aside $1,000 per month will ensure the full balance is paid off before the promo expires.

 

2. Set Up Autopay for Minimum Payments

Even with a 0% APR, you must make minimum payments on time. Missing a payment can void your 0% offer and trigger interest charges. Set up autopay for at least the minimum payment, and schedule reminders to check your balance.

 

3. Store Your Payoff Funds in a High-Yield Savings Account

If you have the cash available but want to maximize your money, put it in a high-yield savings account while making minimum payments. This allows you to earn interest before paying off the balance.

Example: If you set aside $1,000 per month in a savings account earning 4% APY, you could earn an extra $220 over 12 months.

 

4. Set a Final Payoff Reminder

Schedule a calendar reminder 2 weeks to one month before your 0% APR expires. Plan to pay off the balance before the expiration date to avoid processing delays.

 

How to Apply – Even Without an LLC

If you don’t have an LLC, you can still apply for a Chase Ink business card as a sole proprietor. When filling out the application:

• Business Structure: Select ‘Sole Proprietorship’ if you don’t have an LLC.

• Business Name: Use your legal name if you don’t have a registered business name.

• Tax ID: Use your Social Security Number (SSN) if you don’t have an EIN.

• Revenue: Enter your estimated business revenue, even if it’s projected.

Once approved, you can request expedited shipping if you need the card quickly for a time-sensitive purchase.

 

Pro Tips for Maximizing Benefits

• Keep the Card Open: Once the balance is paid off, don’t close the card. Keeping a credit card open helps build your credit history and improves your available credit utilization ratio.

• Use for Business Expenses: Consider keeping recurring expenses like internet, software, or subscriptions on the card to continue earning rewards.

• Ask for a Credit Limit Increase: If your approved limit is lower than needed, call Chase and ask for a credit limit increase or move available credit from another Chase card.

• Leverage the Statement Credit: If you meet the spending requirement, the $750 cash back essentially gives you a discount on your investment.

 

Final Thoughts

0% APR business credit cards are an excellent way to fund upfront investments without paying interest. By choosing the right card, setting up a payoff plan, and leveraging rewards, you can make the most of this opportunity while keeping your finances in check.

If you're interested in applying, use my referral link at the button above to get started and take advantage of these incredible offers while they last!

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