Business Credit Cards with No Annual Fee
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A business credit card with no annual fee is exactly what it sounds like, a credit card that provides the business-oriented utilities that a small business owner needs, such as simplified purchase tracking and the ability to earn rewards on employee spending, without the monthly or annual membership fees that hurt your bottom line. The trade-off for not having an annual fee is that the rewards offered by the cards listed below, while competitive, might not be the most generous. If you are interested in maximizing the rewards you earn on business spending, check out business credit cards with rewards or our Editor’s Best Business Credit Cards. Before deciding on a card, you might also want to look into general-consumer no annual fee credit cards, since being a small business owner does not preclude you from using such a card if it better meets your needs. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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Questions & Answers
Comparing business credit cards with no annual fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What are the best business credit cards with rewards and no annual fee? Reply
Some of the best business credit cards with rewards and no annual fee are the Ink Business Unlimited from Chase, the Discover it Business Card and the Bank of America Business Advantage Cash Rewards Mastercard.
With the Ink Business Unlimited, you get unlimited 1.5% cash back, a 0% introductory APR period for purchases and a rich sign-up bonus.Â
The Discover it Business Card offers the same 1.5% cash back on purchases, a generous 0% APR period for purchases and Discover’s signature bonus offer for new cardholders: unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
The Business Advantage Cash Rewards Credit Card has a slightly different approach, with flexible rewards. You earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining and 1% cash back on all other purchases.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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