10 Best Business Credit Cards With No Annual Fee 2019

On Chase's Secure Website

Ink Business Cash℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 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
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.99% - 20.99% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Cash^SM is the best overall business credit card with no annual fee because of its sign-up bonus, ongoing rewards, and introductory financing. It pays up to 5% cash back in categories like office supply spending. You can earn a $500 bonus after spending $3,000 on purchases within the first three months. Plus, you’ll have interest-free financing on purchases for 12 months and an ongoing APR that starts at 14.99%.

Chase Ink Business Cash^SMCosts

Chase Ink Business Cash^SM charges no annual fee and no interest for 12 months on purchases. Once the introductory period ends, its ongoing variable APR is between 14.99% and 20.99%.

Financing costs and fees on the Chase Ink Business Cash^SM credit card include:

Annual fee: None
Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.99% to 20.99% variable, which will adjust with the prime rate
Balance transfer fee: 5% or $5, whichever is greater

Chase Ink Business Cash^SMonly offers an interest-free financing period on purchases. If you need to transfer a balance, consider the U.S. Bank Business Cash Rewards World Elite™ MasterCard®, which offers an introductory 0% APR period on both balance transfers and purchases for 15 billing cycles. This U.S. Bank business credit card is our pick for the best balance transfer business credit card.

Chase Ink Business Cash^SMRewards

This LLC credit card offers the best ongoing rewards for office supply and telecommunications services purchases compared to other cards on our list. You also can earn bonus cash back on purchases at gas stations and restaurants. After spending $3,000 within the first three months, you’ll earn a $500 bonus.

Introductory Rewards

You’ll earn $500 cash back after spending $3,000 within the first three months after account opening. This is the highest introductory offer available among business credit cards with no annual fee on our list, tied with Chase Ink Business Unlimited^SM.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year, then 1% afterward.
2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward.
1% cash back on all other purchases.

Chase Ink Business Cash^SMoffers the highest rewards on office supply spending at 5% cash back. If you choose a fixed rate card like Chase Ink Business Unlimited^SM, you’ll earn 1.5% cash back on office supply expenses.

How to Redeem Rewards

You can redeem rewards for cash back, gift cards, and travel through Chase’s online travel portal. The redemption value is 1 cent per point, which is similar to most cash back credit cards. If you redeem your points as cash back, you can receive them as a statement credit or deposit them into an eligible bank account from a U.S. based bank or credit union.

Chase Ink Business Cash^SMAdditional Features

Chase Ink Business Cash^SM offers benefits that many other business credit cards offer, including car rental insurance, purchase protection, and extended warranty protection.

Chase Ink Business Cash^SM comes with the following additional features:

Auto rental collision damage waiver: Provides primary coverage when you’re renting a car for business purposes, which means it replaces any coverage your personal insurance might offer. Chase may reimburse up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Covers items within 120 days of purchase from damage or theft. Coverage is limited to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Some cards on our list offer more robust coverage levels and protections. For example, American Express business credit cards offer an extended warranty protection plan that covers warranties of five years or less compared to three years.

What Chase Ink Business Cash^SM Is Missing

This Chase business credit card caps both of its 5% and 2% rewards categories at $25,000 in spending per year, which may be too low for some business owners. If you want a card that has no annual cap, Chase Ink Business Unlimited^SM is a good option. However, that card only pays 1.5% cash back on all purchases.

Chase Ink Business Cash^SMReviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Cash^SMreviews are mostly very positive. Compared to other cards, users especially enjoy the rewards structure and no annual fee.

User Reviews

Online user reviews are extremely positive. Cardholders value the lack of an annual fee and love the rewards structure. Some users complain the ongoing APR is too high. However, the high end of the ongoing APR is about three percentage points lower than what other small business credit cards charge.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Chase Ink Business Cash^SM is one of the best small business credit cards. We also believe it’s the best cash-back business credit card. It offers top introductory and ongoing rewards in addition to a long introductory 0% APR period for purchases.

How to Apply for Chase Ink Business Cash^SM

You can apply for Chase Ink Business Cash^SM online by filling out a basic application with your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Chase Ink Business Unlimited^SM: Best for Fixed-rate Cash Back and Introductory Rewards

On Chase's Secure Website

Ink Business Unlimited℠ Credit Card

Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases

Employee cards at no additional cost
No Annual Fee

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% Intro APR on Purchases	14.99% - 20.99% Variable	$0	Good - Excellent

On Chase's Secure Website

Chase Ink Business Unlimited^SM is best for businesses that want fixed-rate cash back rewards on all purchases and no annual fee. It offers unlimited 1.5% cash back on all spending, regardless of the category. You can also earn a $500 bonus after spending $3,000 within the first three months. The ongoing APR starts at 14.99%, but you’ll have no interest for the first 12 months on purchases.

Chase Ink Business Unlimited^SM Costs

This sole proprietorship credit card has an identical fee structure as Chase Ink Business Cash^SM. You’ll have no annual fee and no interest for 12 months on purchases.

Financing costs and fees on the Chase Ink Business Unlimited^SMcredit card include:

Annual fee: None
Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.99% to 20.99% variable, which will adjust with the prime rate
Balance transfer fee: 5% or $5, whichever is greater

If you’re looking for the best introductory APR on balance transfers, consider choosing another no-fee credit card. The American Express Blue Business Cash^TM Card is a good fixed-rate alternative, as it pays 2% cash back. That card offers an interest-free financing period on both purchases and balance transfers for 12 months, which also makes it a solid credit card for new businesses.

Chase Ink Business Unlimited^SM Rewards

Chase Ink Business Unlimited^SMoffers excellent rewards, especially its introductory bonus offer. To receive an introductory reward higher than its $500 cash bonus, you’ll have to pay an annual fee. This card also offers 1.5% cash back on all spending.

Introductory Rewards

You will earn $500 cash back when you spend $3,000 in the first three months. This is the same introductory reward that’s offered on Chase Ink Business Cash^SM. When compared to other cards that charge no annual fee, this is the highest introductory reward available.

Ongoing Rewards

You will earn unlimited 1.5% cash back on all purchases, regardless of spending category. These fixed-rate rewards are lower than the 2% cash back the American Express Blue Business Cash^TM Card offers. However, that American Express card only offers maximum rewards on purchases up to $50,000 each year. After that, you’ll earn just 1% cash back.

How to Redeem Rewards

Chase Ink Business Unlimited^SM Additional Features

Chase Ink Business Unlimited^SM provides beneficial insurance and protections found on most cards on our list. These protections include car rental insurance, purchase protection, and extended warranty protection.

Chase Ink Business Unlimited^SM comes with the following additional features:

Auto rental collision damage waiver: Provides primary coverage when you’re renting a car for business purposes, which means it replaces any coverage your personal insurance might offer. Chase may reimburse up to the actual cash value of the vehicle for theft and collision damage.
Purchase protection: Covers purchased items within 120 days of purchase from damage or theft. Coverage is limited to $10,000 per claim and $50,000 per account per year.
Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

Most business credit cards on our list offer similar additional features and benefits. However, there are cards that offer stronger extended warranty protection. For example, American Express Blue Business® Plus covers warranties of five years or less. That card also provides up to an additional two years of coverage.

What Chase Ink Business Unlimited^SM Is Missing

Chase Ink Business Unlimited^SM offers a lower reward rate compared to other business credit cards on our list, especially those that offer bonus categories. For example, Chase Ink Business Cash^SM offers 5% cash back at office supply stores and on telecommunication services on up to $25,000 in purchases annually.

Chase Ink Business Unlimited^SM Reviews

We considered both user reviews and our own editorial reviews when rating this card. Reviews are very positive, but reviewers don’t see this card as being as good as Chase Ink Business Cash^SM. If you want to earn a higher fixed-rate cash-back return, you’ll have to choose a card that charges an annual fee.

User Reviews

Online user reviews suggest that cardholders like the introductory rewards and the interest-free financing period of purchases. However, some users say the ongoing cash back rewards don’t compete with other small business credit cards. There are some cards that offer fixed-rate rewards of up to 2%, but those cards charge annual fees.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This Chase Ink business credit card is a solid card option for business owners who want to earn unlimited fixed-rate cash back. It can also be an excellent card to carry in addition to a bonus category card such as Chase Ink Business Cash^SM.

How to Apply for Chase Ink Business Unlimited^SM

You can apply for Chase Ink Business Unlimited^SM online by filling out a basic application with your basic business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

U.S. Bank Business Cash Rewards World Elite™ MasterCard: Best for 0% APR

On US Bank's Secure Website

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
3% cash back on cellular, gas stations, and office supply store net purchases
1% cash back on other eligible net purchases

No limit on total rewards and they never expire!
Plus, a 25% Annual Cash Rewards bonus, up to $250
No annual fee*
Net purchases are purchases minus credits and returns
0% Intro APR* on purchases and balance transfers for the first 15 billing cycles. After that variable APR currently 14.24% - 25.24%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	14.24% - 25.24% Variable	$0	Excellent

On US Bank's Secure Website

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® is best for businesses that want the longest introductory financing period. It charges no interest for 15 billing cycles on purchases and balance transfers. You’ll earn 3% cash back across three spending categories. Plus, you can earn a $500 bonus after spending $4,500 within the first 150 days and an annual bonus of up to $250. Ongoing APR starts at 14.24%.

U.S. Bank Business Cash Rewards World Elite™ MasterCard® Costs

This U.S. Bank business credit card charges no annual fee and offers the best introductory financing period on our list. You’ll receive no-interest financing for 15 billing cycles on purchases and balance transfers.

Financing costs on the U.S. Bank Business Cash Rewards World Elite™ MasterCard® include:

Annual fee: None
Introductory APR: 0% on purchases for the first 15 billing cycles, which makes it one of the best 0% APR business credit cards
Ongoing APR: 14.24% to 25.24%, which will adjust with the prime rate
Balance transfer fee: $5 or 3%, whichever is greater

Most cash back business credit cards don’t charge annual fees such as this card and Chase Ink Business Cash^SM. However, the high end of the ongoing APR on Chase Ink Business Cash^SM is about four percentage points lower when compared to the U.S. Bank Business Cash Rewards World Elite™ MasterCard®.

U.S. Bank Business Cash Rewards World Elite™ MasterCard® Rewards

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® offers a $500 introductory bonus after you spend $4,500 within the first 150 days. This card also pays up to 3% cash back on select spending categories.

Introductory Rewards

You will earn $500 cash back after spending $4,500 within the first 150 days. Chase Ink Business Cash^SM and Chase Ink Business Unlimited^SM both offer $500 after you spend $3,000 within the first three months. Neither American Express Blue Business® Plus nor the American Express Blue Business Cash^TMCard offers introductory rewards.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

3% cash back on cellphone purchases and service
3% cash back on gas purchases up to $200 per single purchase
3% cash back at office supply stores
1% cash back on all other eligible purchases

U.S. Bank also offers a unique annual bonus that’s equal to 25% of your prior year’s cash rewards, up to $250. We have reviewed dozens of small business credit cards and have not come across a similar feature.

The cellphone category bonus is also unique when compared to other small business credit cards on our list. However, the everyday spending reward of 1% cash back is common. If you’re looking to earn non-category bonus rewards, a good card option would be the American Express Blue Business Cash^TMCard. That card offers 2% cash back on purchases up to $50,000, then 1% thereafter.

How to Redeem Rewards

There are three ways to redeem your rewards:

Cash back: U.S. Bank will deposit your rewards into your U.S. Bank business checking, savings, or money market account
Statement credit: This will reduce your monthly balance but won’t replace your required minimum payment
Debit card: U.S. Bank will issue a U.S. Bank Rewards Mastercard Card

You can redeem your rewards through your online account. Most cash back small business credit cards offer similar redemption options for cash back. However, few of those cards let you receive rewards on a debit card.

U.S. Bank Business Cash Rewards World Elite™ MasterCard® Additional Features

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® offers similar additional features to other small business credit cards, which include extended warranty protection and purchase protection.

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® includes:

Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year on warranties of five years or less. Coverage is limited to $10,000 per claim.
Purchase protection: The issuer may repair or reimburse purchased items that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per claim and $25,000 per year.

This card’s extended warranty protection offers better coverage levels when compared to American Express Blue Business® Plus. That card covers warranties of five years or less, but the coverage is limited to $1,000 per claim.

What the U.S. Bank Business Cash Rewards World Elite™ MasterCard® Is Missing

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® offers both lower introductory and ongoing rewards when compared to other cards on our list. Chase Ink Business Cash^SM, for example, offers introductory rewards worth $500 and ongoing rewards up to 5% on specific spending categories.

U.S. Bank Business Cash Rewards World Elite™ MasterCard® Reviews

We considered both user reviews and our own editorial review when rating this card. U.S. Bank Business Cash Rewards World Elite™ MasterCard® reviews are generally positive. Most users enjoy its ongoing rewards, but some complain about the card’s additional features.

User Reviews

We reviewed online user reviews and found most to be positive. Cardholders especially like the card’s ongoing rewards and how easy it is to redeem their rewards. However, some say that other business credit cards offer more top-tier additional benefits.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. In July, the U.S. Bank Business Cash Rewards World Elite™ MasterCard® improved its introductory APR period from nine billing cycles on purchases and balance transfers to 15 billing cycles. Reviewers agree this card could offer more robust ongoing rewards.

How to Apply for the U.S. Bank Business Cash Rewards World Elite™ MasterCard®

You can apply online for the U.S. Bank Business Cash Rewards World Elite™ MasterCard®. You’ll be required to provide both your basic business and personal information. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

American Express Blue Business Cash^TM Card: Best for 2% Cash Back

on American Express® Blue Business Cash Card's secure website.

American Express® Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.

0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99%, or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.99% - 20.99% Variable	No annual fee	Good, Excellent

on American Express® Blue Business Cash Card's secure website.

See Rates and Fees

The American Express Blue Business Cash^TM Card is best for small business owners who don’t want to track category rewards. It pays 2% cash back on purchases up to $50,000 annually, then 1% thereafter. Plus, you’ll receive interest-free financing on purchases and balance transfers for 12 months. Ongoing variable APR starts at 14.99%.

American Express Blue Business Cash^TM Card Costs

The American Express Blue Business Cash^TM Card charges no annual fee and no interest on purchases and balance transfers for 12 months. Be sure to pay off your balance before the introductory financing period ends.

Financing costs and fees on the American Express Blue Business Cash^TM Card include:

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Annual fee: None
Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater.

This American Express business credit card offers an identical introductory APR period as American Express Blue Business® Plus. However, there are other cards on our list that offer better 0% APR periods. The U.S. Bank Business Cash Rewards World Elite™ MasterCard® charges no interest on purchases and balance transfers for 15 billing cycles, which ranks above this American Express card.

American Express Blue Business Cash^TM Card Rewards

The American Express Blue Business Cash^TM Card pays 2% cash back on purchases up to $50,000 annually, then 1% thereafter. However, it ranks below Chase Ink Business Unlimited^SM because it offers no sign-up bonus.

Introductory Rewards

The American Express Blue Business Cash^TM Card is one of three cards on our no annual fee credit cards list—including American Express Blue Business® Plus and Capital One® Spark® Classic for Business—that doesn’t offer introductory rewards. Other fixed-rate cash back cards offer sign-up bonuses worth hundreds of dollars. Chase Ink Business Unlimited^SM, for example, offers $500 when you spend $3,000 within the first three months.

Ongoing Rewards

The American Express Blue Business Cash^TM Card offers the following ongoing rewards:

2% cash back on all purchases up to $50,000 each year.
1% cash back on all additional purchases.

Although these ongoing rewards have a higher return rate compared to Chase Ink Business Unlimited^SM, you’ll miss out on the Chase business credit card’s sign-up bonus worth $500. To overcome that introductory bonus, you would need to spend $25,000 on your American Express Blue Business Cash^TM Card during the first year.

How to Redeem Rewards

Cardholders will receive a rebate as a statement credit for any eligible purchases on their American Express card, which is not how most cards work. The rebate they receive is based on the percentage of eligible purchases made during a billing period and will appear on the second billing statement after the billing statement where those purchases appear. For example, if you earn rewards in November, you will see a statement credit on your January bill.

American Express Blue Business Cash^TM Card Additional Features

The American Express Blue Business Cash^TM Card comes with some fairly robust protections against loss and damage, including extended warranty protection and purchase protection. You can receive better coverage through American Express Blue Business® Plus.

The American Express Blue Business Cash^TM Card offers the following additional features:

Extended warranty protection: American Express offers up to one additional year of coverage on eligible warranties of up to five years. Coverage is limited to $10,000 per occurrence and $50,000 per account per year.
Purchase protection: The issuer will repair, replace, or reimburse you for new purchases that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per account per year.

If you want to receive better coverage, choose American Express Blue Business® Plus. That card provides up to an additional two years of warranty coverage and offers a 120-day purchase protection window.

What the American Express Blue Business Cash^TM Card Is Missing

You won’t be able to earn an introductory reward with the American Express Blue Business Cash^TM Card, which may be a turnoff to many business owners. Other cash back credit cards on our list offer sign-up bonuses. For example, the Bank of America® Business Advantage Cash Rewards Mastercard® offers a $300 statement credit after you spend at least $3,000 within the first 90 days.

American Express Blue Business Cash^TM Card Reviews

We considered both user reviews and our own editorial review when rating this card. This card was announced by American Express near the end of July and there are no user reviews online. However, editorial American Express Blue Business Cash^TM Card reviews suggest this card offers a high return rate for a card that charges no annual fee.

User Reviews

This card was released near the end of July, and we found no user reviews on the web.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviewers applaud this card for its 2% cash back rewards. Most cards that pay this return rate also charge annual fees closes to $100. Reviewers agree this card would be stronger if it had a sign-up bonus.

How to Apply for the American Express Blue Business Cash^TM Card

You can apply for the American Express Blue Business Cash^TM Card online, and you could receive a decision in as little as 30 seconds. Once approved, your card will arrive in the mail within seven to 10 days.

American Express Blue Business® Plus: Best for 2x Points Per $1 Spent

on The Blue Business® Plus Credit Card from American Express's secure website.

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.

You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.99%, 17.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.99% - 20.99% Variable	No annual fee	Good, Excellent

on The Blue Business® Plus Credit Card from American Express's secure website.

See Rates and Fees

American Express Blue Business® Plus is best for companies that want to earn fixed-rate points and don’t want to track category bonuses. It pays 2x points per dollar on purchases up to $50,000 annually, then 1x points thereafter. Additionally, you’ll receive interest-free financing for 12 months on purchases and balance transfers. Ongoing APR starts at 14.99%.

American Express Blue Business® Plus Costs

American Express Blue Business® Plus charges no annual fee and no interest for 12 months on purchases and balance transfers. Be sure to pay off your balance before the ongoing variable APR kicks in.

Financing costs and fees on the American Express Blue Business® Plus card include:

Annual fee: None
Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.99% to 20.99% variable, which adjusts with the prime rate
Balance transfer fee: $5 or 3% of the transfer, whichever is greater

In addition to one of the best 0% APR introductory offers, American Express Blue Business® Plus is one of the best balance transfer business cards. However, there are even better offers. For example, the U.S. Bank Business Cash Rewards World Elite™ MasterCard® charges no interest on purchases and balance transfers for 15 billing cycles.

American Express Blue Business® Plus Rewards

The American Express Blue Business® Plus credit card is one of the three cards on our list that does not offer an introductory reward, including the American Express Blue Business Cash^TM Card and Capital One® Spark® Classic for Business. However, you can earn as much as 2x points per dollar on all purchases up to $50,000 each year.

Introductory Rewards

American Express Blue Business® Plus does not offer any introductory rewards. Most cards on our list offer both introductory and ongoing rewards. Choosing a card that offers both can allow you to earn hundreds of dollars or more after making your first purchases with the card. For example, Chase Ink Business Unlimited^SM offers $500 after you spend $3,000 within the first three months.

Ongoing Rewards

With the American Express Blue Business® Plus card, you can earn:

2x points on all purchases up to $50,000 each year
1x points on all additional purchases

In comparison, Chase Ink Business Cash^SM caps both its 2% and 5% reward categories at $25,000 in annual spending. American Express Blue Business® Plus is a strong alternative if you spend more than $25,000 per year and want a fixed-rate rewards credit card.

How to Redeem Rewards

There are seven ways to redeem your rewards:

For your charges: Redeem for your eligible charges on your current statement.
Travel: Redeem for travel on American Express Travel. Minimum redemption is 5,000 points.
Gift cards: Purchase American Express gift cards.
Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
Ticketmaster: You can redeem your points on Ticketmaster to purchase an event ticket.
AXS: You can redeem your points on AXS to purchase an event ticket.
Taxi fares: Redeem for fares (including tips) in some taxis in New York City.

You can also transfer your points to 21 select airline and hotel loyalty programs, including Delta Air Lines, JetBlue, Hilton Hotels, and Marriott Bonvoy. Several other American Express business credit cards also let you transfer points. This card offers the most redemption options when compared to the other cards on our list.

American Express Blue Business® Plus Additional Features

American Express Blue Business® Plus provides similar additional card features to other cards on our list. Those features include extended warranty protection and purchase protection.

American Express Blue Business® Plus comes with the following additional features:

Extended warranty protection: American Express provides up to an additional two years of warranty if the original manufacturer’s warranty is five years or less. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
Purchase protection: The issuer will repair, replace, or reimburse you for a purchased item that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

The extended warranty protection on warranties of five years or less is better than what Chase Ink Business Cash^SM offers. That card only covers warranties of three years or less and provides up to an additional one year. Plus, these protections outrank the American Express Blue Business Cash^TM Card.

What American Express Blue Business® Plus Is Missing

American Express Blue Business® Plus doesn’t offer any introductory rewards. Additionally, it offers fixed-rate rewards on all spending, while other cards may offer enhanced bonus category rewards. For example, Chase Ink Business Cash^SMpays up to 5% cash back on specific spending categories.

American Express Blue Business® Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business® Plus reviews are mostly positive. Business owners believe both its ongoing rewards and interest-free financing help them grow their companies. Some users complain about its 2.7% foreign transaction fee, which makes it a poor choice to use while traveling outside the United States.

User Reviews

Online user reviews are mostly mixed. Cardholders say they enjoy the ongoing rewards and American Express’s customer service. However, users complain about the lack of an introductory reward.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. American Express Blue Business® Plus is one of the best small business credit cards for business owners who want to save money on interest. Reviewers agree the lack of introductory rewards is a disadvantage.

How to Apply for American Express Blue Business® Plus

You can apply for American Express Blue Business® Plus online in a matter of minutes. You’ll be required to fill out a basic application containing your business and personal information. Once approved, you’ll receive your card within seven to 10 days.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Travel Rewards

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.

No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem points for travel with no blackout dates, cash back or gift cards.
Get 75% more points on the base earn of every purchase you make when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	12.99% - 22.99% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

The Bank of America® Business Advantage Travel Rewards World Mastercard® is best for businesses that want to earn travel rewards and pay no annual fee. You will earn 3x points per dollar spent on travel purchases and pay no foreign transaction fees. Additionally, you’ll pay no interest on purchases for the first nine billing cycles. Ongoing variable APR is as low as 12.99%.

Bank of America® Business Advantage Travel Rewards World Mastercard® Costs

This no foreign transaction fee card charges no annual fee and no interest for nine billing cycles on purchases. Once the introductory period ends, its ongoing variable APR is between 12.99% to 22.99% variable.

Financing costs and fees on Bank of America® Business Advantage Travel Rewards World Mastercard® include:

Annual fee: None
Introductory APR: 0% on purchases for nine billing cycles
Ongoing APR: 12.99% to 22.99% variable, which will adjust with the prime rate
Balance transfer fee: $10 or 4% of the amount of each transaction, whichever is greater

Other cards on our list of the best business credit cards with no annual fee offer longer introductory 0% APR periods on purchases. For example, Chase Ink Business Cash^SMhas interest-free financing on purchases for 12 months. However, that card’s lowest ongoing APR is about two percentage points higher than the best offer from Bank of America® Business Advantage Travel Rewards World Mastercard®.

Bank of America® Business Advantage Travel Rewards World Mastercard® Rewards

This Bank of America business credit card offers three points for every dollar spent on travel purchases booked through Bank of America Travel Center. Plus, you can earn an introductory reward worth $250 after spending $1,000 within 60 days.

Introductory Rewards

You’ll earn 25,000 bonus points when you make at least $1,000 in net purchases in the first 60 days of your account opening. You can redeem these points for a $250 statement credit toward travel purchases. When compared to other cards on our list, this introductory reward is low. Chase Ink Business Cash^SMand Chase Ink Business Unlimited^SM both offer $500 after you spend $3,000 within three months.

Ongoing Rewards

You’ll earn points as you use the card for the following purchases:

3 points per dollar spent on travel purchases (car, hotel, and airline) booked through Bank of America Travel Center
1.5 points for every dollar spent on all purchases

If you also enroll in the Preferred Rewards for Business program, you can earn an additional 75% rewards bonus on all purchases. This means you can potentially earn up to unlimited 5.25 points on all travel purchases. When compared to other cards and their travel spending rewards, this rate is the highest. Overall, these are excellent rewards for business owners looking for a business travel credit card that has no annual fee.

To earn the highest bonus rate of 5.25 points, you must have at least $100,000 in deposits or investments with the bank. This is one reason it pays to have an existing relationship with Bank of America.

How to Redeem Rewards

You can redeem your rewards for travel, travel credits, and cash. When redeemed for cash, you’ll receive them as a deposit into your Bank of America checking or savings account as a card statement credit, or via check. You must redeem points for travel credit (something you already paid for with your card) within 12 months of purchase.

Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features

Compared to other cards on our list, Bank of America® Business Advantage Travel Rewards World Mastercard® lacks robust additional card features. Additionally, Bank of America doesn’t publish benefit details before receiving your card. However, we do know you’ll receive auto rental insurance, travel accident insurance, lost luggage reimbursement, and overdraft protection, but you’ll learn about the details after application.

What the Bank of America® Business Advantage Travel Rewards World Mastercard® Is Missing

Bank of America® Business Advantage Travel Rewards World Mastercard® doesn’t offer great rewards for business owners who spend a lot on office supplies. This card is primarily designed for business owners who travel frequently. There are also other cards on our list that offer better rewards for everyday spending, unless you qualify for the 75% rewards bonus in Bank of America’s Preferred Rewards for Business program.

Bank of America® Business Advantage Travel Rewards World Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Travel Rewards World Mastercard® reviews are mostly positive. This card lacks some travel perks that other travel business credit cards offer. However, those cards typically carry annual fees.

User Reviews

Online user reviews are mostly positive. Most users find this card has good value because of the travel rewards and lack of an annual fee. However, some users are upset this card doesn’t offer airport lounge access. The best business credit cards with lounge access all charge annual fees.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. We believe this is a good pick for business owners who travel often and want to open up their first travel rewards card. However, it doesn’t offer the same robust benefits like other travel credit cards because it’s free to own.

How to Apply for the Bank of America® Business Advantage Travel Rewards World Mastercard®

You can apply for the Bank of America® Business Advantage Travel Rewards World Mastercard® online. You’ll be required to fill out a basic application, and you can receive instant approval. Once approved, you’ll receive your card within seven to 10 days.

Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Gas Rewards

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You'll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 9 billing cycles	13.99% - 23.99% Variable APR on purchases	$0.00	Excellent

on Bank of America® Business Advantage Cash Rewards Mastercard® credit card's secure website.

The Bank of America® Business Advantage Cash Rewards Mastercard® is best for firms that want to earn rewards on gas purchases and pay no annual fee. It offers 3% cash back on gas station spending and the opportunity to earn more by enrolling in the Preferred Rewards for Business program. You’ll also have interest-free financing on purchases for the first nine billing cycles. Ongoing APR is between 13.99% to 23.99% variable.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

The Bank of America® Business Advantage Cash Rewards Mastercard® charges no annual fee and no interest for nine billing cycles on purchases. Once the introductory period ends, its ongoing variable APR is between 13.99% to 23.99% variable.

Financing costs and fees on Bank of America® Business Advantage Cash Rewards Mastercard® include:

Annual fee: None
Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.99% to 23.99% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 4%, whichever is greater

If you’re looking for a card that is best for balance transfers, you’ll want to look elsewhere. A good alternative would be the U.S. Bank Business Cash Rewards World Elite™ MasterCard®. That card offers a long introductory 0% APR period on both purchases and balance transfers.

Bank of America® Business Advantage Cash Rewards Mastercard® Rewards

We rank this card among the best cash back business cards as it pays 3% on the category of your choice including gas stations. Plus, you’ll earn a $300 bonus when you spend $3,000 or more within the first 90 days of your account opening.

Introductory Rewards

You will earn a $300 statement credit after you spend at least $3,000 within the first 90 days. This introductory offer is lower when compared to Chase Ink Business Cash^SM and Chase Ink Business Unlimited^SM. Both of those Chase Ink business credit cards offer a $500 introductory reward after spending $3,000 within three months.

Ongoing Rewards

You’ll earn the following rewards when using your card:

3% cash back on the category of your choice such as gas stations (default), office supply stores, travel, TV and telecommunications services, wireless, computer services or business consulting services (for the first $50,000 in combined choice category or dining purchases each calendar year, 1% thereafter).
2% cash back at restaurants.
1% cash back on all other purchases.

Similar to the Bank of America business travel card, with this card you can earn reward bonuses by enrolling in the Preferred Rewards for Business program. You can receive up to an additional 75% rewards bonus on every purchase (up to 5.25% on gas purchases). If you want to earn rewards on office supplies or telecommunication services, choose Chase Ink Business Cash^SM. That card pays 5% cash back in those categories.

To earn the 75% bonus on this Bank of America business card, you must have at least $100,000 deposits or investments with the bank. This is one reason it pays to have an existing relationship with Bank of America.

How to Redeem Rewards

You can redeem your rewards as a deposit into your Bank of America checking or savings account as a card statement credit, or via check. You can redeem rewards at any time, and there is no annual cap on rewards redemption.

Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features

The Bank of America® Business Advantage Cash Rewards Mastercard® lacks robust additional card features seen on some business credit cards. Plus, Bank of America doesn’t publish benefit details before receiving your card. However, we do know you’ll receive auto rental insurance, travel accident insurance, lost luggage reimbursement, and overdraft protection, but you’ll learn about the details after application.

What the Bank of America® Business Advantage Cash Rewards Mastercard® Is Missing

There are other cards on our list that offer a better rewards structure compared to Bank of America® Business Advantage Cash Rewards Mastercard®. The advantage comes by having an existing Bank of America bank account and enrolling in the Preferred Rewards for Business program. If you want a card that offers better rewards overall, consider Chase Ink Business Cash^SM.

Bank of America® Business Advantage Cash Rewards Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Business Advantage Cash Rewards Mastercard® reviews are mixed. This card is free to own, but it lacks top-tier rewards and benefits compared to other business credit cards.

User Reviews

We found most online user reviews to be mixed. Cardholders especially enjoy the lack of an annual fee and the ability to choose the 3% cash back rewards category. However, some users complain about the low introductory reward.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews suggest that this Bank of America business credit card is decent. Its introductory and ongoing rewards are only average at best.

How to Apply for the Bank of America® Business Advantage Cash Rewards Mastercard®

You can apply for the Bank of America® Business Advantage Cash Rewards Mastercard® online. Once you fill out the application with your basic business and personal information, you can be approved instantly. Once approved, you’ll receive a card in the mail within seven to 10 days.

Bank of America® Platinum Visa® Business: Best for Low Ongoing APR

on Bank of America® Platinum Visa® Business credit card's secure website.

Bank of America® Platinum Visa® Business credit card

Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.
Save on interest with a competitive purchase APR.
No annual fee.

0% Introductory APR on purchases for your first 7 billing cycles.
Employee cards at no additional cost to you and with credit limits you set.

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% 7 billing cycles	10.99% - 21.99% Variable APR on purchases	$0.00	Excellent

on Bank of America® Platinum Visa® Business credit card's secure website.

The Bank of America® Platinum Visa® Business card is best for companies that want the lowest ongoing APR and no annual fee. This card’s ongoing variable APR ranges from 10.99% to 21.99%. Plus, you’ll have an introductory 0% APR period on purchases for seven billing cycles. This card also offers a $300 statement credit after spending $3,000 within the first 90 days.

Bank of America® Platinum Visa® Business Costs

The Bank of America® Platinum Visa® Business card charges no annual fee and no interest for seven billing cycles on purchase. However, its highlight is its ongoing variable APR, which starts at 10.99%.

Financing costs and fees on the Bank of America® Platinum Visa® Business card include:

Annual fee: None
Introductory APR: 0% APR on purchases for seven billing cycles
Ongoing APR: 10.99% to 21.99% variable, which adjusts with the prime rate
Balance transfer fee: $10 or 4%, whichever is greater

This business credit card with no annual fee does not offer an introductory APR for balance transfers like the American Express Blue Business Cash^TMCard does. It also has a high balance transfer fee. This card is designed for those who want cheap ongoing financing for their business-related purchases.

Bank of America® Platinum Visa® Business Rewards

The Bank of America® Platinum Visa® Business card offers a $300 introductory reward after spending $3,000 within 90 days. However, this card does not offer any ongoing rewards. Again, this card is primarily for those looking for cheap ongoing financing.

Introductory Rewards

You will receive a $300 statement credit after you spend $3,000 in purchases within the first 90 days your account is open. When compared to Chase Ink Business Cash^SM, that card offers a $500 bonus after spending $3,000 within three months.

Ongoing Rewards

The Bank of America® Platinum Visa® Business card does not offer any opportunity to earn cash back or points rewards. This is the only card on our list that doesn’t offer an ongoing rewards program. If you want a low ongoing APR and the opportunity to earn ongoing rewards, we recommend the Bank of America® Business Advantage Travel Rewards World Mastercard®.

Bank of America® Platinum Visa® Business Additional Features

The Bank of America® Platinum Visa® Business card lacks robust additional card features seen on some business credit cards. Plus, Bank of America doesn’t publish benefit details before receiving your card. However, we do know you’ll receive auto rental insurance, travel accident insurance, lost luggage reimbursement, and overdraft protection, but you’ll learn more about the coverage levels after application.

What Bank of America® Platinum Visa® Business Is Missing

The Bank of America® Platinum Visa® Business card is the only card on our list that does not offer ongoing rewards. This card is solely meant for business owners who want to access cheap ongoing financing. If you want a card that offers rewards and a low ongoing APR, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®.

Bank of America® Platinum Visa® Business Reviews

We considered both user reviews and our own editorial review when rating this card. Bank of America® Platinum Visa® Business card reviews are generally mixed. While the low ongoing APR is the primary focus on this card, its rewards and benefits are below average.

User Reviews

Online user reviews are mixed. Cardholders especially love the lack of an annual fee and low ongoing APR, which makes it a cheap card to own. However, users wish that the card offered ongoing rewards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this Bank of America business credit card agree that this card is a strong, low APR business credit card. However, reviews show there isn’t much else to be excited about.

How to Apply for Bank of America® Platinum Visa® Business

You can apply for the Bank of America® Platinum Visa® Business card online. You’ll be required to provide your basic personal and business information, and you’ll typically receive a decision immediately. Once approved, you’ll receive a card in the mail within seven to 10 days.

Capital One® Spark® Cash Select for Business: Best for Annual Spending Less Than $19,000

on Capital One® Spark® Miles Select for Business's secure website.

Capital One® Spark® Miles Select for Business

Earn 1.5 miles per $1 on every purchase
Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
Miles won't expire for the life of the account, and there are no categories to limit where or what you buy

Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
Pay no annual fee or foreign transaction fees
Get online Quarterly and Year-End Summaries
There's no limit to the amount of miles you can earn
Fly on any airline, anytime, with no blackout dates or seat restrictions

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.74% - 22.74% (Variable)	$0	Excellent, Good

on Capital One® Spark® Miles Select for Business's secure website.

Capital One® Spark® Cash Select for Business is best for companies that have few business expenses and want no annual fee. This card pays unlimited 1.5% cash back on all purchases and is designed for companies that spend less than $19,000 annually on its business credit cards. That’s the threshold at which you’ll benefit more from the Capital One® Spark® Cash for Business, but that card charges a $95 annual fee, waived the first year.

Capital One® Spark® Cash Select for Business Costs

Capital One® Spark® Cash Select for Business charges offers an introductory 0% APR period on purchases for nine months. Once the introductory period ends, its ongoing variable APR is between 14.74% and 22.74%.

Financing costs and fees on Capital One® Spark® Cash Select for Business include:

Annual fee: None
Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.74% and 22.74% variable, which will adjust based on the prime rate
Balance transfer fee: None

Capital One® Spark® Cash Select for Business offers an introductory interest-free financing period that is shorter than other cards on our list such as the American Express Blue Business Cash^TMCard. That card offers an introductory 0% APR period on purchases and balance transfers for 12 months. However, this Capital One business credit card is the only card on our list that doesn’t charge a balance transfer fee.

Capital One® Spark® Cash Select for Business Rewards

Capital One® Spark® Cash Select for Business offers one of the smallest introductory rewards on our list. You can earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first three months from account opening. Plus, it pays unlimited 1.5% cash back on all spending.

Introductory Rewards

You’ll earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first three months from account opening, which is the smallest introductory bonus on our list. Chase Ink Business Unlimited^SM offers identical unlimited ongoing rewards, but you can earn a $500 bonus after spending $3,000 within three months.

Ongoing Rewards

You’ll earn unlimited 1.5% cash back on all spending. This is the same return rate when compared to Chase Ink Business Unlimited^SM. However, with that card, you can tap into a more substantial introductory reward and a longer introductory 0% APR period on purchases. Capital One also offers Capital One® Spark® Miles Select for Business, which is essentially an identical card besides the rewards. Instead of earning cash back, you’ll earn miles.

How to Redeem Rewards

You can redeem your cash back as a statement credit or check, for a recent transaction, for gift cards, or you can set up automatic redemption. If you choose to redeem them automatically, you can set a time each calendar year or when you reach a threshold ($25, $50, $100, $200, $500 or $1,500).

Capital One® Spark® Cash Select for Business Additional Features

According to Capital One’s website, Capital One® Spark® Cash Select for Business offers a handful of additional card benefits, which include extended warranty protection and purchase protection.

Capital One® Spark® Cash Select for Business comes with the following additional features:

Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less.
Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year.

According to Capital One’s website, Capital One® Spark® Cash Select for Business provides access to Visa® Business Benefits. These features are similar when compared to other business credit cards on our list. However, American Express Blue Business® Plus covers warranties of five years or less.

What Capital One® Spark® Cash Select for Business Is Missing

This card doesn’t provide interest-free financing on balance transfers. If you want to transfer your balance on another card that’s accruing interest, consider the American Express Blue Business Cash^TMCard. That card offers a long introductory 0% APR period on purchases and balance transfers.

Capital One® Spark® Cash Select for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Cash Select for Business reviews suggest this is a solid credit card if you have few expenses. However, it offers a small introductory reward compared to other cards on our list.

User Reviews

Online Capital One® Spark® Cash Select for Business user reviews are mostly mixed. Cardholders love the simple rewards program and interest-free financing period on purchases for nine months. However, users complain about the lack of a higher introductory reward similar to what the best small business credit cards offer.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this card agree that it’s best for businesses that have annual credit card expenses of less than $19,000. If you spend more than $19,000 every year, consider Capital One® Spark® Cash for Business. That card pays 2% cash back but has an annual fee of $95, which is waived over the first year.

How to Apply for Capital One® Spark® Cash Select for Business

You can apply for the Capital One® Spark® Cash Select for Business card online. You’ll be required to provide your basic personal and business information. Once approved, you’ll receive your card within seven to 10 business days.

Capital One® Spark® Classic for Business: Best for Fair Credit

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business

Enjoy no annual fee
Earn 1% cash back on every purchase
Build business credit with responsible use

Fraud coverage if your card is ever lost or stolen
No foreign transaction fees
Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	24.74% (Variable)	$0	Average, Fair, Limited

on Capital One® Spark® Classic for Business's secure website.

Capital One® Spark® Classic for Business is best for business owners with fair credit (580 to 669) who want to earn rewards and pay no annual fee. This card pays 1% cash back on all purchases and has a variable ongoing APR of 24.74%. Although that ongoing APR may seem high, it’s about average for a business credit card for fair credit.

Capital One® Spark® Classic for Business Costs

Capital One® Spark® Classic for Business has no annual fee, but it does not offer an introductory 0% APR period. However, this is common across business credit cards for fair credit.

Financing costs and fees on Capital One® Spark® Classic for Business include:

Annual fee: None
Introductory APR: None
Ongoing APR: 24.74% variable, which adjusts with the prime rate
Balance transfer fee: None

Capital One® Spark® Classic for Business charges the highest ongoing APR on our list, but it’s average for a fair credit business credit card. This is the only card on our list that is for fair credit, and we rank it as one of the best business credit cards for fair credit.

Capital One® Spark® Classic for Business Rewards

Capital One® Spark® Classic for Business does not offer any introductory rewards. However, you can earn 1% cash back on all purchases. These rewards are common across business credit cards for fair credit.

Introductory Rewards

Capital One® Spark® Classic for Business offers no introductory rewards. Most often, fair credit business credit cards don’t offer any welcome offers or sign-up bonuses.

Ongoing Rewards

You’ll earn unlimited 1% cash back on all purchases. This is an excellent card if you have fair credit, but you still want to earn some cash back rewards. If you want to earn rewards and your personal credit score is below 580, consider applying for a secured business credit card. Those cards have credit limits equal to your cash deposit.

How to Redeem Rewards

Capital One® Spark® Classic for Business Additional Features

According to Capital One’s website, Capital One® Spark® Classic for Business comes with common additional card features such as extended warranty protection and purchase protection.

Capital One® Spark® Classic for Business offers the following additional features:

Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to one year past the manufacturer’s warranty.
Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.

According to Capital One’s website, you’ll receive Visa® Business Benefits through Capital One® Spark® Classic for Business. These additional features are similar when compared to the Capital One® Spark® Cash Select for Business card.

What Capital One® Spark® Classic for Business Is Missing

Capital One® Spark® Classic for Business doesn’t offer any introductory rewards and is lacking a strong ongoing rewards structure. However, business owners who apply for this card usually are looking to build credit and not necessarily searching for the best rewards.

Capital One® Spark® Classic for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Classic for Business reviews agree this card is best when you want to build your business and personal credit. The small ongoing rewards are just an added benefit.

User Reviews

Online Capital One® Spark® Classic for Business user reviews are generally positive. Users like that they can earn rewards even if they have fair credit. Some users complain about missing perks and low credit limits. According to Capital One’s website, credit limits start at $500.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this card agree that it’s one of the best fair credit business credit cards. This card is seen as beneficial because of the lack of an annual fee and easier qualification requirements. If you want similar perks offered on this card such as controlling employee spending without a credit check, consider a prepaid business card.

How to Apply for Capital One® Spark® Classic for Business

You can apply for Capital One® Spark® Classic for Business online. The application takes minutes and you can get approved instantly. Once approved, the card typically takes seven to 10 business days to arrive.