Which business credit cards offer 0% APR?

Chase Ink Business Cash and Amex Business Gold both carry a 0% intro APR window (typically 12 months), which gives you a full billing cycle or more to pay off inventory purchases before interest applies. Capital One Spark Cash and Brex don't carry an APR promotion — Spark charges standard rates on carried balances, and Brex is a charge card paid in full monthly.

What happens to my balance when the 0% intro APR ends?

The card's regular APR applies to whatever you still owe. Check the cardholder agreement for exactly how the issuer handles interest when the promotion ends.

Do I still have to make payments during the 0% period?

Yes. The intro rate removes interest, not the minimum payment. Pay more than the minimum if you want to clear the balance before the window closes.

What should my fallback be if stock is selling slowly?

Decide it before you buy. Common choices are discounting to move units, paying extra from other income while the rate is 0%, or moving the balance somewhere cheaper. Compare total cost first.

FBA inventory

What Happens If Your Inventory Doesn't Sell Before the 0% APR Ends?

Written and reviewed by the BizCredX Editorial Team Published October 23, 2026 Facts checked October 13, 2026 against the sources below 3 min read

Pallet of boxed inventory next to a calculator and a payoff schedule

Short answer

Once the intro period ends, the card's regular APR applies to any balance you still carry, so slow-moving stock can turn a free loan into an expensive one. Work out the monthly payment you need before you buy, set a sell-through checkpoint halfway through, and keep a fallback ready.

What 0% intro APR really gives you

A 0% intro APR gives you a window with no interest on purchases. It does not remove the minimum payment, and it does not extend the window if your product sells slowly. When the window closes, the card's regular APR applies to what is left. Check the card agreement for how interest is handled when the promotion ends, because terms vary by issuer.

Do the payoff math before you buy

The simplest test is to divide the amount you plan to charge by the number of promo months. That is the monthly payment you need to clear the balance in time. The figures below are arithmetic, not forecasts.

Amount charged	12-month promo	15-month promo	18-month promo
$5,000	$417 a month	$333 a month	$278 a month
$10,000	$833 a month	$667 a month	$556 a month
$25,000	$2,083 a month	$1,667 a month	$1,389 a month

Now ask whether your expected net proceeds, after Amazon fees, ads and shipping, can cover that payment every month. If the answer depends on everything selling quickly, the plan is too tight.

Plan from net cash, not sale price

Sales are not cash in hand. Fees come out and payouts arrive on Amazon's schedule, so build your payoff plan on what you expect to receive after costs. Our FBA inventory funding calculator helps you run it.

Set a checkpoint

Pick a date about halfway through the promo period and decide in advance what you need to have sold by then. If you are behind, act early:

Cut the price or run a promotion to move older units.
Bundle slow items with better sellers.
Pay more of the balance from other income now, while the rate is still 0%.
Look at cheaper ways to carry what is left, and compare the full cost before you commit.

Do not stack the problem

Resist the urge to charge the next inventory order to another card before the first balance is under control. Using business credit responsibly covers the guardrails, and our guide to how much working capital a reorder needs shows how to size the next one.

Keep reading

Sources

Capital One: Business credit cards and personal guarantees. Many business cards require a personal guarantee, especially for new or smaller businesses.
The Motley Fool: Can a new LLC get a business credit card?. Issuers decide mostly on the owner's personal credit; no minimum time in business; revenue can be an estimate.
Amazon: Amazon Lending. Sellers are told to check Seller Central for financing invitations; providers weigh several factors, including a proven track record of growing sales.

Terms, offers and bureau policies change. Confirm current details with the issuer, vendor or bureau before you act.

This is informational, not financial advice. Vendor terms, card offers, and bureau reporting policies change, and a general guide can't account for your specific credit history or business situation. Confirm current terms directly with the issuer or vendor before applying. See our editorial policy for how we verify what we publish.