Fund purchases interest-free for 12 months and earn rewards on every business dollar you spend.
Apply Now — No Credit Impact →The Spotya! 0% Business Credit Card lets you fund purchases and business expenses completely interest-free for the first 12 months. It's the smart move for businesses launching a new project, purchasing inventory, or covering startup costs — as long as you can pay down the balance before the intro period ends.
Beyond the 0% intro offer, you'll earn rewards on every business purchase — turning your everyday spending into value. The application is fast and easy, with decisions typically in minutes.
Apply online — takes 2 minutes
Basic personal and business information. No impact to your credit score to check eligibility.
Get an instant decision
Most applicants receive a credit decision in minutes — no waiting around.
Activate your card
Your card arrives within a few business days. Activate and start spending — 0% APR clock starts now.
Spend, earn rewards, pay it down
Make purchases, earn rewards, and pay off the balance before the 12-month intro period ends to avoid interest.
No impact to your credit score to check rates