Business Credit Cards with No Annual Fee
Business credit cards with no annua fee are a compeing option for entrepreneurs seeking to maximize benefits whie minimizing costs. Unike traditiona business credit cards, these options do not charge an annua fee, making them particuary attractive to sma businesses or startups ooking to manage expenses carefuy.
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These cards often come with an array of benefits that can significanty aid in business operations. Many offer rewards programs where cardhoders can earn points, cash back, or trave mies for everyday business purchases. The absence of an annua fee does not mean a ack of perks; some cards aso incude additiona features ike expense tracking toos, spending imits for empoyees, and protections against fraud. By choosing a business credit card with no annua fee, businesses can keep operationa costs ow whie sti enjoying the conveniences and advantages offered by a credit card. This makes them an idea choice for those who want to optimize their financia strategy without incurring extra costs.
Chase Ink Business Cash®View AllChase Ink Business Cash® - Chase Ink Business Cash® offers cash back for business expenses.
American Express Blue Business® PlusView AllAmerican Express Blue Business® Plus - Versatile business card with 2x rewards, no annual fee.
Capital One Spark Cash SelectView AllCapital One Spark Cash Select - Business credit card with cash back rewards.
U.S. Bank Business Platinum CardView AllU.S. Bank Business Platinum Card - Low-interest business credit card for managing expenses efficiently.
Bank of America Business Advantage Cash RewardsView AllBank of America Business Advantage Cash Rewards - Cash back credit card designed for businesses.
Wells Fargo Business Platinum Credit CardView AllWells Fargo Business Platinum Credit Card - Flexible reward options, tailored for small businesses.
CitiBusiness® / AAdvantage® Platinum Select®View AllCitiBusiness® / AAdvantage® Platinum Select® - Small business credit card with travel rewards.
Discover it® Business CardView AllDiscover it® Business Card - 0% intro APR, cash back, no annual fee.
PNC Cash Rewards® Visa Signature®View AllPNC Cash Rewards® Visa Signature® - Cash rewards card with bonus categories, no annual fee.
BBVA Compass Business Secured Credit CardView AllBBVA Compass Business Secured Credit Card - A business credit card secured by collateral for building credit.
Business Credit Cards with No Annual Fee
1.
Chase Ink Business Cash®
The Chase Ink Business Cash® card is a versatile credit card tailored for small business owners. It offers a generous cashback program, with 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Additionally, it provides 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants, and 1% on all other purchases. With no annual fee and a $750 sign-up bonus after spending $6,000 in the first three months, this card is a valuable tool for managing business expenses while earning rewards.
Pros
No annual fee- 5% cash back on office supplies
- 2% on gas/restaurants
- signup bonus
Cons
Foreign transaction fees- capped rewards.
2.
American Express Blue Business® Plus
The American Express Blue Business® Plus Card is a versatile credit card designed for small business owners. It offers 2 Membership Rewards® points per dollar on everyday business purchases up to $50,000 annually, then 1 point per dollar thereafter. The card features a 0% introductory APR on purchases for the first 12 months, followed by a variable rate. With no annual fee and flexible expense management tools, the Blue Business® Plus Card provides a cost-effective and rewarding option for business expenditures. Terms apply.
Pros
- No annual fee
- 2x points on first $50K
- flexible spending limit
Cons
- Limited redemption options
- foreign transaction fees.
3.
Capital One Spark Cash Select
The Capital One Spark Cash Select is a business credit card designed for entrepreneurs seeking simple and straightforward cash rewards. It offers unlimited 1.5% cash back on every purchase, with no minimums or expiration dates. The card comes with no annual fee, making it a cost-effective choice for businesses looking to earn rewards without added expenses. Additionally, it features convenient tools for managing expenses and employee cards at no extra cost, enhancing business operations. Its combination of rewards, simplicity, and practicality makes it ideal for small to mid-sized businesses.
Pros
- No annual fee
- straightforward cashback
Cons
- Limited rewards rate
- fewer bonus categories.
4.
U.S. Bank Business Platinum Card
The U.S. Bank Business Platinum Card is a versatile financial tool tailored for business owners seeking low interest rates and cost-effective financial management. It offers an extended 0% introductory APR on purchases and balance transfers for the first 20 billing cycles, a notable benefit for managing expenses or consolidating debt. With no annual fee, this card is ideal for cost-conscious businesses. Additional features include flexible payment options, detailed expense tracking, and robust security measures, assisting businesses in maintaining financial stability and optimizing cash flow.
Pros
- No annual fee
- low APR
- lengthy 0% intro APR.
Cons
- Few rewards
- limited perks
- foreign transaction fees.
5.
Bank of America Business Advantage Cash Rewards
The Bank of America Business Advantage Cash Rewards credit card is tailored for small business owners seeking to maximize their cash back on everyday purchases. It offers 3% cash back on purchases in one of six categories of your choice (such as gas stations, office supply stores, or travel), 2% at restaurants, and 1% on all other purchases. The card features no annual fee, flexible cash-back redemption options, and additional benefits like overdraft protection and integration with Bank of America business accounts, making it a versatile financial tool for managing business expenses.
Pros
- Cashback rewards
- no annual fee
- flexible redemption options.
Cons
- Higher APR for carried balances
- limited international perks.
6.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is a versatile financial tool designed for small business owners looking to streamline expenses and maximize rewards. Cardholders can choose between earning cash back or reward points on every purchase, making it adaptable to diverse spending habits. With no annual fee, a competitive APR, and perks like zero liability protection and management tools, this card offers both security and flexibility. Additionally, it provides access to free employee cards, helping businesses manage spending and grow efficiently. Ideal for businesses focused on maximizing value and operational efficiency.
Pros
- Low fees
- rewards options
- flexible financing
Cons
- Strict approval
- no intro APR
- limited benefits.
7.
CitiBusiness® / AAdvantage® Platinum Select®
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard is a business credit card tailored for frequent flyers with American Airlines. It offers substantial travel perks, including priority boarding, free checked bags, and inflight savings. Cardholders earn AAdvantage® miles on everyday business purchases—2 miles per $1 spent on eligible American Airlines purchases, telecommunications, cable and satellite providers, car rentals, and gas stations, and 1 mile per $1 on other purchases. It also features an annual fee waiver for the first year and benefits like no foreign transaction fees, enhancing its appeal to business travelers.
Pros
- Earn AAdvantage miles
- travel perks
- first checked bag free.
Cons
- Annual fee
- limited point redemption options outside American Airlines.
8.
Discover it® Business Card
The Discover it® Business Card is a versatile financial tool designed for small business owners, offering unlimited 1.5% cash back on every purchase. Unique features include a cash back match for the first year, effectively doubling the rewards earned. The card comes with no annual fee and provides enhanced security with free alerts and monitoring services. Business-friendly perks such as free employee cards, flexible repayment options, and detailed expense tracking make it an ideal choice for managing business finances efficiently and maximizing value on everyday expenditures.
Pros
- Cash back rewards
- no annual fee
- intro APR.
Cons
- Limited business-specific perks
- international transaction fees.
9.
PNC Cash Rewards® Visa Signature®
The PNC Cash Rewards® Visa Signature® card is a versatile cashback credit card designed to reward everyday spending. It offers 4% cash back on gas station purchases, 3% on dining, 2% at grocery stores, and 1% on all other purchases. Additionally, new cardholders can benefit from a $200 bonus after meeting a minimum spending requirement in the first three months. With no annual fee, the card also features competitive introductory APR offers on purchases and balance transfers, making it a practical choice for maximizing rewards and managing expenses.
Pros
- High cashback rates; no annual fee; flexible redemption.
Cons
- High APR; foreign transaction fees.
10.
BBVA Compass Business Secured Credit Card
The BBVA Compass Business Secured Credit Card is designed to help small business owners build or rebuild their credit history. It requires a cash collateral deposit, which serves as the credit line's security. This card offers flexible credit limits based on the secured deposit, up to $25,000. Cardholders benefit from no annual fee, access to detailed expense management tools, and performance-based rewards. As a Visa card, it ensures wide acceptance and provides essential business protections, making it a valuable financial tool for small businesses aiming for future growth.
Pros
- Helps build credit
- earns rewards
- no foreign transaction fees
Cons
- Requires security deposit
- annual fee.