Question 1

How do 0% intro APR business credit cards work?

Accepted Answer

These cards carry a 0% introductory APR on purchases for an initial period — typically 12 to 21 months. During that window you can carry a balance without paying interest. After the intro period ends, the card's standard variable APR applies to any remaining balance, so the goal is to use the 0% time to fund purchases and pay them down before it expires.

Question 2

How much business credit can I access?

Accepted Answer

Slate helps you access $50,000 to $250,000 in total business credit across multiple cards. Your actual approved limits depend on your personal credit profile, income, and existing credit, since the cards are approved on your personal credit.

Question 3

Does checking eligibility affect my credit?

Accepted Answer

Pre-qualifying uses a soft pull, which does not affect your credit score. A hard inquiry only happens later if you choose to move forward and submit a card application. There is no guarantee of approval — the card issuers make the final decision based on your credit profile.

Question 4

Do I need business revenue or collateral to qualify?

Accepted Answer

No. There is no business revenue requirement and no collateral or personal guarantee on the business beyond the cards themselves, so brand-new startups can apply. Approval is based primarily on your personal credit profile.

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