Editor’s note: This is a recurring post with regularly updated card details.
If you’re searching for a business credit card with no annual fee, be sure to look at other ways the card can save you money the more you use it. Select a card whose spend categories align with your costly and recurring expenses. Be sure to take advantage of introductory annual percentage rates (APRs), introductory bonuses, and ongoing rewards, all of which can add up to big savings year over year.
Here are the eight best business credit cards with no annual fee:
- U.S. Bank Business Triple Rewards World EliteTM Mastercard®: Best overall business credit card with no annual fee
- Chase Ink Business Unlimited®: Best for easy unlimited rewards
- American Express Blue Business CashTM: Best card for cash back
- Chase Ink Business Cash®: Best card for office essentials
- American Express Blue Business® Plus: Best card for points rewards
- Capital One® Spark® Cash Select for Good Credit: Best card for unlimited rewards with good credit
- PNC Cash Rewards® Visa Signature® Business Credit Card: Best card with lowest starting APR
- Capital One® Spark® Classic for Business: Best card for fair credit
Benefits of Cards That Do Charge an Annual Fee
Avoiding the cost of an annual fee makes sense when you want to save money, but to make an informed decision, be sure to consider the benefit of cards that do charge an annual fee. These cards tend to offer much richer rewards, and the rewards usually offset the cost of the annual fee after a few purchases. Shopping and travel benefits include discounts on flights, hotels, rental cars, and restaurants, access to airport lounges, and exclusive dining experiences.
Do you want to compare the features of one card to another? We’ve made it easy for you to do that. Check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
U.S. Bank Business Triple Rewards World EliteTM Mastercard®: Best Overall Business Credit Card With No Annual Fee
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard
BEST FOR:
0% APR for 15 billing cycles
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, cellphone service providers. and restaurants.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 13.99% to 22.99%.
- No annual fee
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations, office supply stores, cellphone service providers. and restaurants.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Rewards never expire
- Earn an annual $100 statement credit for recurring software subscription expenses like FreshBooks or QuickBooks.
- 0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 13.99% to 22.99%.
- No annual fee
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional 1 year from the expiration of warranties of 5 years or less. An item with a 6-month warranty would be backed for an additional 6 months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Why we like it: The U.S. Bank Business Triple Rewards World EliteTM Mastercard® is our top pick for best overall card with no annual fee because there are so many ways to save money with this card. If you have a long commute or visit clients on site, you can benefit from 3% cash back―with no limits on cash back earned―at eligible gas stations, restaurants/take out, mobile phone/service providers, and office supply stores. You also get 1% cash back on all other eligible purchases.
As an introductory offer, earn $500 cash back after spending $4,500 in the first 150 days of card ownership. Save with no-interest purchases for the first 15 billing cycles with a 0% introductory APR and receive a $100 annual software credit for recurring software subscription expenses, such as QuickBooks.
Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards
Ink Business Unlimited® Credit Card
BEST FOR:
Pocketing 1.5% cash back on every single purchase
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
Pros
- 0% introductory APR on purchases
- Unlimited cash back rewards on all purchases
Cons
- Introductory APR period doesn’t apply to balance transfers
- 5% balance transfer fee
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less
Why we like it: The Chase Ink Business Unlimited® card offers a very easy rewards program: 1.5% fixed rate cash back for every $1 spent on any business purchase. There are no limits to the amount of cash back you can earn, and no spend categories to keep track of.
Spend $7,500 in the first three months of card ownership and earn $750 cash back. Redeem rewards as a statement credit, or use them for gift cards, travel, or Apple® products.
American Express Blue Business CashTM: Best Card for Cash Back
American Express Blue Business Cash™ Card
BEST FOR:
Earning 2% cash back every time you swipe and 0% introductory APR for 12 months
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- No interest for 12 months
- Earn consistent 2% cash back rewards on every purchase
Cons
- Offers no cash sign-up bonus
- 2% cash back category is capped at $50,000 in annual spending
- Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to five years. 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 an item purchased with the card that was damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
- Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier, such as a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- No interest for 12 months
- Earn consistent 2% cash back rewards on every purchase
Cons
- Offers no cash sign-up bonus
- 2% cash back category is capped at $50,000 in annual spending
- Extended warranty protection: American Express provides up to an additional year of coverage on warranties of up to five years. 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 an item purchased with the card that was damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
- Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier, such as a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.
Why we like it: Earn 2% cash back on any business purchase up to $50,000 each calendar year, then 1% after that with the American Express Blue Business CashTM card. There’s no minimum reward amount to redeem. You’ll spend more time on your business and zero time deciding how to redeem your rewards since cash back is credited to your statement automatically.
Earn $250 cash back after spending just $3,000 in the first three months. It’s our pick for the best overall cash back business credit card.
Chase Ink Business Cash®: Best Card for Office Essentials
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Earn $750 bonus cash back after you spend $7,500 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 purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
- Earn $750 bonus cash back after you spend $7,500 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 purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash sign-up bonus
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of 3 years or less.
Why we like it: Save big on office supplies, internet, cable, and phone by earning 5% cash back on all of these items up to $25,000 each account anniversary year with the Chase Ink Business Cash® card. You can also earn 2% cash back on the first $25,000 spent at gas stations and restaurants and 1% cash back on all other purchases.
You can redeem your rewards as a statement credit or a direct deposit into most checking or savings accounts. You can also redeem for gift cards, travel, or Apple® products. As a welcome offer, spend $7,500 in the first three months of card ownership and earn $750 cash back. It’s our choice for the best overall business credit card for startups.
American Express Blue Business® Plus: Best Card for Points Rewards
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- No zero foreign transaction fee
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. 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 an item purchased with the card 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.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- No zero foreign transaction fee
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. 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 an item purchased with the card 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.
Why we like it: The American Express Blue Business® Plus card offers 2x Membership Rewards® points per $1 on the first $50,000 spent on any business purchase each year, then 1x points after that.
Earn 15,000 Membership Rewards® points as a welcome offer after spending $3,000 in the first three months of card membership. Points can be redeemed for high-quality merchandise in categories such as furniture, outdoor living, kitchen and dining, technology, automotive, home improvement, and more. You can also redeem points for travel or gift cards, or use Pay With Points at more than a dozen retailers.
Capital One® Spark® Cash Select for Good Credit: Best Card for Unlimited Rewards With Good Credit
Capital One® Spark® Cash Select for Business
BEST FOR:
Businesses that spend less than $19,000 annually
- Introductory reward worth $200 after you spend $3,000 within the first three months
- 1.5% cash back on every purchase
- Issue employee cards for free
Pros
- No annual fee
- Ability to finance purchases with 0% APR for nine months
Cons
- 0% APR doesn’t apply to balance transfers
- Can’t redeem rewards for travel or transfer to a travel partner
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.
- Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.
- Introductory reward worth $200 after you spend $3,000 within the first three months
- 1.5% cash back on every purchase
- Issue employee cards for free
Pros
- No annual fee
- Ability to finance purchases with 0% APR for nine months
Cons
- 0% APR doesn’t apply to balance transfers
- Can’t redeem rewards for travel or transfer to a travel partner
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad.
- Purchase protection: Covers your new purchases for up to 90 days against damage or theft up to $10,000 per claim.
Why we like it: Earn easy rewards with the Capital One® Spark® Cash Select card. There are two versions of this business card: one for excellent credit and one for good credit. If you have good credit, you can benefit from 1.5% fixed rate cash back on any business purchase, with no limits.
Redeem your rewards as a statement credit or a paper check. You also get a 0% introductory APR for the first 12 months for interest-free business purchases.
PNC Cash Rewards® Visa Signature® Business Credit Card: Best Card With Lowest Starting APR
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn cash back rewards
- Earn $200 cash bonus for spending $3,000 in the first three billing cycles
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Interest-free financing period
- Comes with an Introductory bonus offer
- Checking account fee waiver for PNC Bank account holders
Cons
- Low ongoing rewards
- Lower-than-average introductory bonus offer
- Not available nationwide
- Extended warranty protection: Get an additional one year or warranty protection on top of the manufacturer’s warranty, up to $10,000 per claim, $50,000 per cardholder.
- Purchase protection: Visa will reimburse you for up to the value of items that were purchased up to 90 days ago.
- Lost luggage reimbursement: Get reimbursed up to $3,000 per trip for luggage that is lost or stolen from a common carrier.
- Travel accident insurance: You’ll be covered in the event of accidental death or dismemberment for you and your dependents, up to $500,000.
- Auto rental collision damage waiver: Get coverage for auto rental transactions in the event of theft or damage, up to the value of the car.
- Travel and emergency services: Receive access to travel and emergency assistance services, including message service, prescription assistance, and emergency cash disbursement.
- Earn $200 cash bonus for spending $3,000 in the first three billing cycles
- Earn 1.5% cash back on all purchases
- No annual fee
Pros
- Interest-free financing period
- Comes with an Introductory bonus offer
- Checking account fee waiver for PNC Bank account holders
Cons
- Low ongoing rewards
- Lower-than-average introductory bonus offer
- Not available nationwide
- Extended warranty protection: Get an additional one year or warranty protection on top of the manufacturer’s warranty, up to $10,000 per claim, $50,000 per cardholder.
- Purchase protection: Visa will reimburse you for up to the value of items that were purchased up to 90 days ago.
- Lost luggage reimbursement: Get reimbursed up to $3,000 per trip for luggage that is lost or stolen from a common carrier.
- Travel accident insurance: You’ll be covered in the event of accidental death or dismemberment for you and your dependents, up to $500,000.
- Auto rental collision damage waiver: Get coverage for auto rental transactions in the event of theft or damage, up to the value of the car.
- Travel and emergency services: Receive access to travel and emergency assistance services, including message service, prescription assistance, and emergency cash disbursement.
Why we like it: If you carry a balance with each billing cycle, the PNC Cash Rewards® Visa Signature® Business Credit Card can help. It offers the lowest starting APR on our list, at 10.99%. You also get 1.5% cash back on all eligible business purchases, with no limit to the amount you can earn.
Redeem rewards as a statement credit or as a direct deposit to your PNC business checking or business savings account. Plus, earn a $200 welcome bonus if you spend $3,000 in qualifying purchases within the first three months of card ownership, and benefit from a 0% introductory APR for the first nine months.
Capital One® Spark® Classic for Business: Best for Fair Credit
Capital One® Spark® Classic for Business
BEST FOR:
Fair credit business owners (580 to 669)
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Earn fixed-rate rewards even with fair credit scores
- Rewards never expire
Cons
- High APR
- No sign-up bonus
- Reports to personal credit bureaus
- 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.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Earn fixed-rate rewards even with fair credit scores
- Rewards never expire
Cons
- High APR
- No sign-up bonus
- Reports to personal credit bureaus
- 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.
- Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
- Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.
Why we like it: Build your credit with the Capital One® Spark® Classic card. It can help you grow your credit score while earning rewards, and it has no annual fee. With consistent on-time payments, your credit score will grow, and you’ll be eligible for a wider variety of business credit cards.
This straightforward card offers a fixed-rate 1% cash back on all business purchases, with no limits or spend categories. Rewards never expire, and you can choose between redeeming them as a statement credit or as a paper check.
How We Evaluated Business Credit Cards With No Annual Fee
When looking at cards that have no annual fee, we considered introductory APRs and regular interest rates, introductory bonuses, and rewards. All of these features add up to cards that provide the best value for your business.
Bottom Line
A business credit card with no annual fee is a good choice if your goal is to save on unnecessary fees, especially if you don’t travel often or if you don’t need additional perks and benefits. Make the most of introductory APRs, introductory bonuses, and rewards. Cash back that’s redeemed as a statement credit is typically the fastest way to benefit from rewards.
If you’d like to see more of our recommendations, look at our choices for the best small business credit cards.
