10 Best Business Credit Cards With No Annual Fee 2020

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	14.74% - 20.74% 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 14.74%.

Chase Ink Business Cash^SMCosts

Annual fee: None
Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% variable, which will adjust with the prime rate
Balance transfer fee: 5% or $5, whichever is greater

This small business credit card only offers an interest-free financing period on purchases. If you need to transfer a balance, consider the American Express Blue Business Cash^TM Card, which offers an introductory 0% APR period on both balance transfers and purchases for 12 months.

Chase Ink Business Cash^SMRewards

This startup business 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

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.

Chase Ink Business Cash^SMAdditional 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 US manufacturers’ warranties of three years or less.

Chase Ink Business Cash^SMreviews indicate that 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 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	14.74% - 20.74% 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 14.74%, but you’ll have no interest for the first 12 months on purchases.

Chase Ink Business Unlimited^SM Costs

Annual fee: None
Introductory APR: 0% APR for 12 months on purchases
Ongoing APR: 14.74% to 20.74% 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.

Chase Ink Business Unlimited^SM Rewards

This new business credit card offers 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.

Chase Ink Business Unlimited^SM 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 US 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 reviews show this card 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.

American Express Blue Business Cash^TM Card: Best for 0% APR and 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, 14.74%, 17.74%, or 20.74%, 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	14.74% - 20.74% 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 want interest-free financing and don’t want to track category rewards. You’ll receive interest-free financing on purchases and balance transfers for 12 months, which is the best introductory APR on our list. Plus, it pays 2% cash back on purchases up to $50,000 annually, then 1% thereafter. Ongoing variable APR starts at 14.74%.

American Express Blue Business Cash^TM Card Costs

Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% 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. This is the best introductory 0% APR period on our list.

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.

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.

American Express Blue Business Cash^TM Card 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.

American Express business card reviews suggest 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® 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, 14.74%, 17.74% or 20.74%, 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	14.74% - 20.74% 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 0% APR and don’t want to track category bonuses. You’ll receive interest-free financing for 12 months on purchases and balance transfers. Additionally, it pays 2x points per dollar on purchases up to $50,000 annually, then 1x points thereafter. Ongoing APR starts at 14.74%.

American Express Blue Business® Plus Costs

Annual fee: None
Introductory APR: 0% for 12 months on purchases and balance transfers
Ongoing APR: 14.74% to 20.74% 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. This is the best introductory 0% APR offer on our list.

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

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.

American Express Blue Business® Plus 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.

American Express business card reviews show 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.

U.S. Bank Business Cash Rewards World Elite™ MasterCard: Best for Earning an Annual Cash
Bonus

On US Bank's Secure Website

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

Earn a new cardmember bonus of $200 after you spend $1,000 in eligible net purchases on your card within the first 90 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 9 billing cycles. After that variable APR currently 13.74% - 24.74%*

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0%	13.74% - 24.74% Variable	$0	Excellent

On US Bank's Secure Website

See Rates and Fees

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® is best for businesses that want to earn an annual cash bonus. You can earn a 25% bonus based on your prior year’s rewards, up to $250. Plus, it charges no interest for nine billing cycles on purchases and balance transfers. Ongoing APR starts at 13.74%.

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

Annual fee: None
Introductory APR: 0% on purchases for the first nine billing cycles
Ongoing APR: 13.74% to 24.74%, 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 $200 introductory bonus after you spend $1,000 within the first 90 days. This card also pays up to 3% cash back on select spending categories.

Introductory Rewards

You will earn $200 cash back after spending $1,000 within the first 90 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

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 purchase 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.

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

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.

U.S. Bank business card reviews indicate 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.

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	12.74% - 22.74% 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 12.74%.

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

Annual fee: None
Introductory APR: 0% on purchases for nine billing cycles
Ongoing APR: 12.74% to 22.74% 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

Three points per dollar spent on travel purchases (car, hotel, and airline) booked through Bank of America Travel Center
One and a half 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.

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

Bank of America card reviews show that this card 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 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	13.74% - 23.74% 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 13.74% to 23.74% variable.

Bank of America® Business Advantage Cash Rewards Mastercard® Costs

Annual fee: None
Introductory APR: 0% for nine billing cycles on purchases
Ongoing APR: 13.74% to 23.74% 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 American Express Blue Business Cash^TM Card. 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

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.

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

Bank of America card reviews show that this 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 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® Platinum Plus® Mastercard® Business card: Best for Low Ongoing APR

On Bank of America's Secure Website

Bank of America® Platinum Plus® Mastercard® Business 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	11.74% - 22.74% Variable APR on purchases	$0.00	Excellent

On Bank of America's Secure Website

The Bank of America® Platinum Plus® Mastercard® Business card is best for companies that want the lowest ongoing APR and no annual fee. This card’s ongoing variable APR ranges from 11.74% to 22.74%. 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 Plus® Mastercard® Business card Costs

Annual fee: None
Introductory APR: 0% APR on purchases for seven billing cycles
Ongoing APR: 11.74% to 22.74% 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 Plus® Mastercard® Business card Rewards

The Bank of America® Platinum Plus® Mastercard® 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 Plus® Mastercard® 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 Plus® Mastercard® Business card Additional Features

Bank of America card reviews indicate this 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 Plus® Mastercard® Business card Is Missing

The Bank of America® Platinum Plus® Mastercard® 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®.

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 unlimited 1.5X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles Select card

Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
No annual fee
Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
Free employee cards which also earn unlimited 1.5X miles from their purchases

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
0% on purchases	14.49% - 22.49% (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

Annual fee: None
Introductory APR: 0% for nine months on purchases
Ongoing APR: 14.49% and 22.49% 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.

Capital One® Spark® Cash Select for Business Additional Features

According to Capital One’s website, Capital One® Spark® Cash Select for Business offers the following additional features:

Extended warranty protection: Extends the time period of the US 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 business card reviews, 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® Classic for Business: Best for Fair Credit

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

Capital One® Spark® Classic for Business

Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
No annual fee
Build and strengthen credit for your business by using this credit card responsibly

$0 Fraud Liability if your card is lost or stolen
Free employee cards, which also earn unlimited 1% cash back on all purchases
Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
No foreign transaction fees

INTRO APR	REGULAR APR	ANNUAL FEE	CREDIT NEEDED
N/A	24.49% (Variable)	$0	Average, Fair, Limited