8 Best Business Credit Cards With No Annual Fee for 2022

On US Bank's Secure Website

Intro APR

0% for first 15 billing cycles

Regular APR

15.49% to 24.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the account owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
No limit on total cash back earned
Rewards never expire
Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

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 five years or less. An item with a six-month warranty would be backed for an additional six 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.

See Rates
& Fees

Intro APR

0% for first 15 billing cycles

Regular APR

15.49% to 24.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the account owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cellphone service providers, and restaurants.
1% cash back on all other eligible net purchases.
Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
No limit on total cash back earned
Rewards never expire
Earn an annual $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks.
0% Intro APR on purchase and balance transfers for 15 billing cycles. After that, a variable APR currently 15.49% to 24.49%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™Plan.
Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

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 five years or less. An item with a six-month warranty would be backed for an additional six 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.

See Rates and Fees

Why we like it: The U.S. Bank Business Triple Cash Rewards World EliteMastercard® 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

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

13.99% - 19.99% Variable

Annual Fee

Credit Needed

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
Charges foreign transaction fees
Requires excellent credit to qualify

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

Intro APR

0% Intro APR on Purchases

Regular APR

13.99% - 19.99% Variable

Annual Fee

Credit Needed

Good, Excellent

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
Charges foreign transaction fees
Requires excellent credit to qualify

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 Cash^TM: Best Card for Cash Back

American Express Blue Business Cash™ Card

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

Intro APR

0% on purchases

Regular APR

14.74% - 22.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power, when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

14.74% - 22.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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, 14.74% - 22.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No annual fee

Cons

Cash advance isn’t allowed
Charges foreign transaction fees
2% cash back is capped at $50,000 in annual spending

Expanded buying power: Enjoy flexible buying power, when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us and other factors.
Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.

See Rates & Fees

Why we like it: Earn 2% cash back on any business purchase up to $50,000 each calendar year, then 1% cash back earned is automatically credited to your statement with the American Express Blue Business Cash^TM 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

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

13.99% - 19.99% Variable

Annual Fee

Credit Needed

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.

Intro APR

0% Intro APR on Purchases

Regular APR

13.99% - 19.99% Variable

Annual Fee

Credit Needed

Good, Excellent

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

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

Intro APR

0% on purchases

Regular APR

14.74% - 22.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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, 14.74% - 22.74%, 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
Charges foreign transaction fees
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 two years. It provides an additional two years if the original manufacturer’s warranty is between two and 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 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

14.74% - 22.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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, 14.74% - 22.74%, 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
Charges foreign transaction fees
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 two years. It provides an additional two years if the original manufacturer’s warranty is between two and 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 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.

See Rates and Fees

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

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

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

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.

Intro APR

0% on purchases

Regular APR

13.99% - 23.99% (Variable)

Annual Fee

Credit Needed

Excellent, Good

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

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

11.74% to 20.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.

Intro APR

0% for 9 billing cycles

Regular APR

11.74% to 20.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken® or QuickBooks®, or use .csv files.
Visa Signature® Benefits: This card comes with Visa travel benefits and protection for purchases.

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)

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

Intro APR

N/A

Regular APR

26.99% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
Only requires fair credit
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

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.

Intro APR

N/A

Regular APR

26.99% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
Only requires fair credit
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

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.