A 0% APR card seems like a great way to manage my cash flow, but I’m worried about the catch. How do I weigh the benefits of "free money" against the risks of a lower credit score or rising interest rates? What’s the smartest way to pay it off?

If 0% APR business credit cards are easy to obtain with just an EIN, how should U.S. small business owners weigh the short-term financing benefits against risks such as potential credit score impact, rising rates after promotional periods, and accumulating high revolving debt?