The Top 9 No-Annual-Fee Business Credit Cards For January 2023.
Discover the perfect card for your small business.
There’s no need to fret about paying a high annual cost to get a credit card for small businesses, which is worth the price. There’s a broad selection of business cards that have no annual fee to choose from, ranging from options that offer cashback to flexible reward points. Some provide substantial benefits and an initial 0% APR that could help you save cash.
Credit cards with annual fees generally have benefits superior to those with no yearly fees. However, smaller commercial credit cards can be among the best for those not ready to commit to a monthly payment.
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Amex Blue Business Plus
The reason why this Amex Blue Business Plus card is worth the cost: The blue Business(r) Plus Credit Card from American Express currently offers an excellent welcome bonus that can earn valuable Amex Members Rewards rewards that you can use to redeem hotels, flights and other travel options through Amex’s travel portal. Amex travel portal, or transfer to hotels and airline partners.
Welcome bonus offer Get 15,000 membership Rewards(r) points when you make $3,000 worth of credit card purchases that are eligible in the first 3 months of membership.
The best worth is when you transfer points into Amex Transfer partners (like Delta SkyMiles, Air Canada Aeroplan, British Airways Executive Club, Marriot Bonvoy, and Hilton Honors). You can also use points via American Express Travel to book hotels, flights, and rental cars. Another redemption option is gift card credit on statements, items or food deliveries.
Amex Blue Business Cash
The reason you should consider the Amex Blue Business Cash card is worth the cost: The American Express Blue Business Cash Card gives cardholders cashback on any eligible purchase. In addition, you’ll be able to receive a generous welcome bonus and enjoy an attractive introductory zero-interest rate.
If you’re hoping to redeem your points in statement credits to cut the cost of your monthly bills, you should seriously consider using the American Express Blue Business Cash Card. If you don’t, then there are plenty of other cards with no annual fee with more flexibility in redemption options.
Welcome bonus offer: Get credit on your statement for $250 when you make $3,000 worth of purchases with your card within the first 3 months.
The American Express Blue Business Cash Card earns cash back on eligible purchases exceeding $50,000 annually and a 1 per cent return on money (cashback is credited in Rewards Dollars). What is unique about it is that the American Express Blue Business Cash Card distinctive is in that it will automatically redeem cash back on credit to your account on a statement. Statement credits will be credited in your next bill cycle and reduce the total amount of your bill so long as you make your minimum monthly amount.
The card comes with a 0 APR for purchases for 12 consecutive months after the account opening (you’ll be charged a 17.49 per cent to 25.49 per cent variable APR). Additionally, you’ll receive advantages, including damage and loss to your car insurance, accessibility to the global Assist hotline, and an extended guarantee, buy protection, and Amex offers.
Chase Ink Business Unlimited
The reason why this Chase Ink Business Unlimited is worth the cost It is worth it: Ink Business Unlimited(r) Credit Card gives you money back (in the form of points) for all purchases, with no cap. It also is accompanied by an impressive welcome bonus and offers a variety of redemption options. In addition, you’ll get free employee cards and purchasing and travel benefits.
But the Ink Business Unlimited(r) Credit Card is one of many that offer these benefits. The Ink Business Cash(r) credit card also provides similar benefits, with the possibility of earning higher points, but only in specific categories.
Bonus welcome offer Get an additional $900 in bonus cash when you make $6,000 in purchases in the first 3 months following the account opening.
The card offers benefits such as car rental insurance, emergency and travel solutions, emergency roadside assistance purchase protection, and an extension of the warranty.
Chase Ink Business Cash
You should consider the Chase Ink Business Cash Card because it is worth the cost. Its Ink Business Cash(r) credit card is a fantastic choice for businesses who want to maximize their expenditure at office supply stores, online cable, restaurants and much more. It comes with a fantastic welcome offer and a good intro APR. It also has a great introduction to APR deals. Ink Business Cash(r) credit card has a range of flexible redemption options and purchasing and travel advantages.
Suppose your most enormous expenditures are outside the office supply stores or other specific spending categories. In that case, you’d be better off using an alternative business card that doesn’t have an annual fee. Suppose your annual business expenses exceed the $25,000 limit on specific spending categories. In that case, it is recommended to think about a card with more money (or there’s no limit).
The welcome bonus is: Get an additional $900 in bonus cash when you spend $6,000 on purchases within the first 3 months after the account opening.
While this Ink Corporate Cash(r) credit card is advertised as a cashback credit card, it’s actually a point card. Chase Ultimate Rewards Points can be used to earn 1 cent each toward cash back or trips (booked by Chase), or gift cards.
- Cashback of 5% (5 points per dollar) starting at $25,000. (then 1x) on purchases made at office supply stores, on internet cables, as well as telephone services every year
- Cashback 2% (2 points per $1 spent) for starting at $25,000 (then 1x) when you make purchases at restaurants and gas stations every year
- Cashback 1% unlimited (1 point for every cent) with all purchases other than
With The Ink Business Unlimited(r) Credit Card, You can also combine the points you earn with annual fee Chase cards to increase the value of your reward or exchange it for cash, statement credits, gift cards, and trips booked through Chase.
Ink Business Cash(r) credit card Ink Small Business Cash(r) credit card has a zero APR for purchases for 12 months (then you will receive a 16.99 percentage to 22.99 per cent variable APR). This is an excellent option for those who need to pay off significant expenses in time without incurring interest. Additionally, you’ll receive security against fraud, rental car assurance, extended warranties, and emergency and travel services.
U.S. Bank Triple Cash Rewards
It would help if you considered the Triple Cash Rewards Mastercard’s value because U.S. Bank Business Triple Cash Rewards Card is perfect for anyone looking for a card with a large bonus and introductory APR. Additionally, it earns good rewards that are not capped, and you’ll also receive a software credit each year.
However, you can only get the welcome bonus if you meet the spending requirements for high-end businesses. This is impossible for some companies, particularly smaller ones or people with side projects.
Bonus welcome offer Get 500 cash back when you spend $4,500 in purchases made with the account holder’s card in those first 150 days after the account opening.
- Cashback of 5% on hotels that you prepay and car rentals made by the Rewards Center
- Cashback of 3% at gas stations, E.V. was charging stations and office supply stores. Cellphone service companies and restaurants
- Cashback of 1% on all other eligible purchases
You can redeem rewards for credit on your statement as well as Real-Time Rewards (to cover eligible purchases when you make purchases) or direct transfer (a minimum of $225 is required to redeem). Additionally, you can use the U.S. Bank Business Triple Cash Rewards Card grants you $100 in software credits each year to use on subscriptions such as Quickbooks or Quickbooks.
The card offers a zero per cent intro APR on balance transfers and purchases up to 15 cycles of billing (then it will be 18.24 per cent – 27.24% variable APR). This is great for those who are paying off debt or looking to make large purchases in the future.
The U.S. Bank Business Triple Cash Rewards Card gives cardholders World Elite Mastercard benefits and accessibility to Rewards Centre Earn Mall.
U.S. Bank Business Platinum Card
This Business Platinum Card is worth it. This U.S. Bank Business Platinum Card does not earn rewards and doesn’t offer a welcome bonus offer. However, it offers an extended 0% intro APR, which is attractive to companies looking to stay clear of paying excessive interest on a credit card — or who have to pay for large purchases across multiple billing cycles.
If you do not require a lengthy initial APR period, you can find plenty of higher-quality cards with 0% APR offers (not much longer) that can also offer welcome bonuses and rewards offer no annual fee.
Welcome bonus offers Welcome bonus offer.
The U.S. Bank Business Platinum Card comes with a zero-interest intro APR on balance transfers and purchases in the 18 first billing cycle (then it will be 16.24 per cent + 25.24 per cent (Variable) APR).
Cardholders also have no fraud liability, 24/7 monitoring of fraud, an extension of the Bank’s ExtendPay program, as well as management of the credit cards of employees.
Bank of America Business Advantage Customized Cash Rewards
The reasons why you should consider the Business Advantage Customized Cash Reward card is worth it: Business Advantage Customized Cash Rewards Credit Card offers 3 per cent cashback in the category you choose (from six categories that you have predetermined) and includes an excellent welcome bonus as well as an intro APR.
This is a fantastic card for businesses that want reward points that can be customized. Consider a different zero-annual-fee card for business if you’re not interested in deciding your reward categories.
Bonus welcome offer Get credit on your statement of $300 when you make $3,000 of purchases within your first 90 days after the account is opened.
It is a unique card. Business Advantage Customized Cash Rewards Credit Card is unique in that it lets cardholders select the category of spending they’d like to get 3% cashback in (gas stations and office supply stores, travel, television/telecom, computers, wireless and business consultancy services). Additionally, it earns cash back of 2% on eating out. Remember that the 3 percentage and 2% earnings can be capped at $50,000 annually (you make 1% cash back).
You’ll be offered an intro APR of 0% when you purchase for the initial nine billing cycles (then you’ll get a 14.49 – 24.49 per cent variable APR).
Rewards can be redeemed as statement credits, direct deposits and credits on a Merrill (Bank of America’s Wealth Management division) account. Bank of America Preferred Rewards customers can also receive as much as 75% higher rewards (amounts depend on the deposit or investment made through Bank of America or Merill).
The card includes additional benefits, such as tools to manage cash flow, travel accident insurance, and insurance for rental cars. However, it charges an international transaction fee which is why it’s not the best choice to use when travelling.
Bank of America Business Advantage Travel Rewards World Mastercard
The reasons why you should consider the business Advantage Travel Rewards World Mastercard is worth it The Bank of America(r) Business Advantage Travel Rewards World Mastercard(r) Credit Card gives you simple, flat-rate reward points on all purchases, and additional rewards for travel that you book via Bank of America Travel Center. Bank of America Travel Center. In addition, you’ll get a massive welcome bonus and a tremendously low-interest rate of 0%.
The Bank of America Preferred Rewards members receives the highest rewards (up 75 per cent more when buying). You’ll miss out on the best reward opportunity if you’re not a member.
Welcome bonus offer You can earn 30,000 bonus points when you make $3,000 worth of purchases within your first 90 days following the account’s opening.
The Bank of America(r) Business Advantage Travel Rewards World Mastercard(r) Credit Card earns 3 points in unlimited amounts for every dollar spent on travel-related bookings that are eligible (car, hotel, flight and airline) via the Travel Center site. Additionally, you’ll earn 1.5 points on every dollar on any purchase.
The card comes with a 0 APR intro on transactions for nine months following the account opening date (then it will be 14.49 per cent – 24.49 APR variable of 5%). This offer only applies to purchases and offers better options for those looking to settle their credit card balance.
Rewards can be redeemed through the Bank of America(r) Business Advantage Travel Rewards World Mastercard(r) Credit Card as a credit on your statement for purchase of dining or travel-related items or travel to the Bank of America Travel Center Cash back, gift cards.
The card does not charge an additional fee for foreign transactions, making it an excellent choice to travel internationally—other advantages include cash flow control tools and emergency and travel services.
Capital One Spark Classic for Business
The reason is that the Spark Classic for Business is worth the cost. This capital One (r) Spark(r) Classic for Business is essential because people with good credit scores are eligible for it. Additionally, it pays the same 1% cash back on every purchase, with no limitation.
But there’s no welcome bonus or intro APR offer, and it only offers some additional benefits. However, if you need more credit history and require an initial credit card to develop your company, The One(r) Spark One(r) Spark(r) Classic for Business is worth a look.
Welcome bonus offers Welcome bonus offer.
The Capital One(r) Spark(r) Classic for Business earns you an unlimited cashback of 5% on hotel and rental vehicles booked via Capital One Travel, plus 1percent cash back on any purchase.
Some other business cards come with higher reward rates, more benefits, and offer a welcome reward (all aspects other cards do that One(r) Spark Classic for Business One(r) Spark(r) Classic for Business isn’t able to offer) What makes this card unique is that those with good credit are permitted to apply for. Most small-business credit cards require at least a good credit score, and if you have a limited credit history, this card could be a good start.
You can use your rewards in the form of statements credit or checks for credits towards previous purchases as gift cards, or both. You can also create automated redemption preferences in the account of your Capital One account.