QUICK ANSWER
With good personal credit (around 680+ FICO), you may qualify for business credit cards that offer 0% intro APR — often for 12 to 18 months. Applying to several in a planned sequence (credit stacking) can combine those limits into meaningful interest-free capital during the intro period.
Why good credit matters more than revenue here
Traditional bank loans look at years in business, tax returns and revenue. Business credit card issuers lean heavily on your personal credit history instead. That's why strong personal credit can open doors even for a brand-new business.
Steps to prepare
- Check your scores at all three bureaus.
- Lower utilization — pay balances down before applying.
- Limit new inquiries in the months before you apply.
- Have your business basics ready: name, address, EIN if you have one.
- Know what you'll use the money for and how you'll repay it.
Use the 0% period wisely
0% intro APR is a window, not free money. Map out what the capital funds — inventory, equipment, marketing — and a monthly paydown plan so the balance is low before the regular rate kicks in.
See how much you could stack
680+ FICO, no revenue required. Checking your options won't hurt your credit.
Check my credit stacking optionsFrequently asked questions
What credit score do I need?
Many 0% business cards look for good to excellent credit; 680+ is a common starting point, but each issuer decides.
Will this be a hard credit pull?
Each card application is typically a hard inquiry. Checking your initial options with us does not require a hard pull.