The Top 10 Best Business Credit Cards With No Annual Fee

How Many Credit Cards With No Annual Fee Are Out There?

There are tons of credit cards with no annual fee! Some only had an introductory period, whereas others had no expiration date for this benefit.

Business Credit Cards and Annual Fees

In both the business and personal credit worlds, annual fees are commonplace. To give the impression of more exclusivity, a card issuer might call them membership fees. But it’s the same thing.

Always consider annual fees when deciding whether to get a credit card. There’s a range of annual fees for business credit cards. They can run from a somewhat nominal $19 or so, to a double-take inducing $595.

For the cards we’re reviewing here, all of them offer no annual fee as a regular card feature. That is, none of these are introductory rates that will expire. But always read the fine print. Because if the APR is too high or the card provider is stingy with rewards or point or cash back, it may turn out that even a $0 annual fee isn’t enough to justify getting such a card. Let’s look at a variety of choices to fit different circumstances. Here’s our top 10 and two honorable mentions.

Business Credit Cards With No Annual Fee for Amazon Discounts

You can get Amazon discounts? Absolutely.

Honorable Mention: Amazon Prime Store Card

If your business shops at Amazon often, the Amazon Prime Store Card could be the card for you. You get a $60 Amazon gift card upon the approval of your application. Get 5% cashback on Amazon purchases. But limits seem to be low. There are reviews of this card on the Amazon website and you should check them before applying.

Business Credit Cards With No Annual Fee for Bonus Points with a Low Minimum Spend

Honorable Mention: Bank of Hope Business Rewards Visa® Credit Card

With the Bank of Hope Business Rewards Visa® Credit Card, you pay a 3% balance transfer fee which will never be less than $5. You can earn 5,000 bonus points after spending $1,000 in the first three months. Earn triple points on gas. Get double points on travel and dining. Earn one point per dollar on all other purchases.

Pay a 0% introductory APR for nine months. Then pay a variable APR 12.49%, 16.49% or 20.49% per creditworthiness after introductory period ends. It should be easy for most entrepreneurs to meet the spend necessary for the points bonus.

Triple points on gas are rather helpful if yours is a business requiring a lot of time on the road (say, trucking). If your credit is good enough to get the lowest APR after the introductory period ends, this could be a great card for you.

Business Credit Cards With No Annual Fee for a Bonus with No Minimum Spend

But a low minimum spend only gets an honorable mention. This is because we found a card where you can get a bonus with no minimum spend.

#10: Mechanics Bank Visa Business Real Rewards

With the Mechanics Bank Visa Business Real Rewards card, you get 1.5 points per month per dollar. Earn 2,500 bonus rewards points after your first purchase. Pay a 0% introductory APR for purchases and balance transfers for the first six billing cycles. Then pay 13.99-22.99% per creditworthiness. The bonus is decent and since there’s no minimum spend, it begs the question, can you get 2,500 bonus rewards points for buying a pack of gum?

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards With No Annual Fee for Fair Credit

While the terms aren’t the best for this card, it can be tough to find a business credit card you can get if you’ve only got fair credit. Even rarer are such cards with no annual fee – where the annual fee doesn’t expire. This card hits all of those requirements.

#9: Capital One Spark Classic Business Credit Card (Visa)

Fair credit means you have FICO scores between 620 and 659. Capital One spells out that this card is for fair credit. Earn 1% cash back with every purchase, with no minimums. Pay a 26.99% variable APR for both purchases and cash advances. The lowest possible credit line $300.

For the Capital One Spark Classic Business Credit Card (Visa), the cash back percentage is low. And the interest rate is higher than for the other cards reviewed. But if your credit is only fair, or you don’t have a very long credit history, this card could be right for you.

Business Credit Cards With No Annual Fee for Members of the Armed Forces

This card has fantastic rates, but only a limited number of people will qualify.

#8: Navy Federal GO BIZ Rewards Card

The Navy Federal GO BIZ Rewards Card is available as either a MasterCard or Visa. Benefits differ depending on which card type you choose. Get 1 point for each dollar spent but rewards depend on if you have a Visa or MasterCard. With a Visa, you get access to Visa SavingsEdge. With a MasterCard, you get a collision damage waiver.

Pay no foreign transaction fees. There is no earnings cap. The APR can be as low as Prime+ 5.90%. You can get GO BIZ Rewards – points you can redeem for gift certificates, cash deposited into your savings account, and more.

Note: this card comes from a credit union. You must be a member first. The only persons who can be members of the credit union are persons attached to the military, the Department of Defense, or the National Guard and their families. If you can qualify for this card, the interest rate is stellar. And it isn’t just for an introductory period.

Business Credit Cards With No Annual Fee for a Long 0% APR Introductory Period

Not surprisingly, we felt the two Chase cards were a dead even tie. If we had to choose, we would pick Business Cash. This is because the cash back rewards seem to be more generous.

#6 (tie): Chase Bank Ink Business Unlimited®

Chase Bank Ink Business Unlimited® is a similar card to Chase Bank Ink Business Cash®, below. Except the rewards come in the form of cash back versus points. Get $750 bonus cash back if you spend $7,500 in the first 3 months after account opening. And get 1.5% cash back unlimited.

Pay a 0% APR on purchases for the first 12 months after account opening. Then pay 13.24-19.24% per creditworthiness. The balance transfer APR is 13.24-19.24% per creditworthiness. If you have several computers or other expensive equipment to buy, get it fast to take advantage of the cash back bonus.

#6 (tie): Chase Bank Ink Business Cash®

For a long 0% APR introductory period, and somewhat decent interest rates, check out this card. Pay 0% APR on purchases for the first 12 months. And then pay 13.24-19.24%.

With the Chase Bank Ink Business Cash® card, you get 5% cash back on the first $25,000 you spend on certain business products i.e. office supply stores, internet, cable, and phone services.

This works out to 4% additional cash back rewards on top of 1% cash back rewards earned on each purchase. The $25,000 flat spending limit resets every year. You can get $750 bonus cash back if spend $7,500 in the first 3 months after account opening.

It’s a bit difficult to hit the spend amount. Still, the agreement does not prohibit using your card to buy pricier items, such as plane tickets, vehicle repairs, or even heavy equipment. Still, you may find that using other means, such as equipment financing or fleet credit, would make for a better deal for your business.

Business Credit Cards With No Annual Fee for Travel

Business credit cards for travel can often be black and white for business owners. You either need one … or you don’t. If your business requires that you fly regularly, then read on.

#5: PNC Travel Rewards Visa Business Credit Card

With the PNC Travel Rewards Visa Business Credit Card , you get one mile per dollar in eligible net purchases. Earn double miles on the first $2,500 in eligible net purchases. Book your own travel and then redeem miles for a statement credit. No foreign transaction fees on purchases outside US. Pay a variable APR, 10.99- 19.99%, per creditworthiness.

The APR is good if your credit makes you eligible for the lower end of the spectrum. A statement credit for acting as your own travel agent is good, if you have the time to book your own travel. Double miles are welcome but it’s easy for a business owner to exceed the cap.

Business Credit Cards With No Annual Fee for Managing an SBA Express Loan

Much like with the travel credit card we just recommended, you either need this card, or you don’t.

#4: Zions Bank SBA Express Business Visa Debit Card

The unique Zions Bank SBA Express Business Visa Debit Card has floored us! Because – why doesn’t every SBA Express lender do things this way? Use this card to manage SBA Express loan money from Zions Bank, if you are already have an approval.

Get travel accident insurance and other credit card perks, which you would not normally get from an SBA Express loan. This card is best for SBA Express borrowers. If you’re an SBA Express borrower (or want to become one), we could not find a downside to getting this card.

Business Credit Cards With No Annual Fee for a High Credit Limit

High credit limits can be tempting. But business owners may be able to make up shortfalls with online lending, using several smaller credit cards together, or other forms of financing like merchant cash advances.

A high credit limit, though, is a lot easier to keep track of than a number of cobbled-together solutions.

#3: Zions Bank Visa Amazing Rate Business Credit Card

Pay a 0% introductory APR for the first six months. Then pay 10.24% variable. Limits to $250,000. The Zions Bank Visa Amazing Rate Business Credit Card has a good upper limit and the post-introductory APR is very good.

But note that most of the cards under review did not list their upper credit limits.

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards With No Annual Fee for Significant Bonus Points

Bonus points, of course, are only good if you’re going to use them.

#2: Union Bank Business Preferred Rewards Visa Credit Card

With the Union Bank Business Preferred Rewards Visa Credit Card, you get 50,000 introductory reward points bonus when you spend $5,000 in the first three months. Get quintuple points per dollar spent to $25,000 annually on select business expenses. These are office supplies, utility bills, telecom services. And get one point per dollar spent above that.

Get double points for each dollar spent up to $25,000 annually on gas stations and restaurants. Plus, get one point per dollar spent above that. And get one point per dollar spent on everything else.

Pay a 0% introductory APR for the first six months. Then pay a 11.99-20.99% variable APR. This card has a great introductory points offer. And the amount you have to spend to get it isn’t bad.

Score the best business credit cards for your business. Check out our professional research

Business Credit Cards With No Annual Fee for a Good Cash Back Percentage Rate

Our number one card had a great cash back percentage which you can get for a significant amount of annual spending. And the cash back percentage doesn’t seem to have an expiration date. The other thing that attracted us to this card was a somewhat low APR, if you’ve got good personal credit. If your personal credit isn’t so great, then our #3 choice has a better APR with no expiration date.

#1: Huntington Bank MasterCard Voice Business Credit Card

With the Huntington Bank MasterCard Voice Business Credit Card, you earn 4% cash back on the first $7,000 spent per quarter. This is in one category of your choice. There is a choice of 10 categories. Hence the annual spend limit for 4% cash back is $28,000. If you annually charge $28,000, you’ll get a cool $1,120 back.

Earn 1% cashback on all other purchases.

Pay no foreign transaction fee. Pay a 10.99-21.99% APR per creditworthiness, which ties to the Prime Rate. If you know you won’t meet the spend limit, and your credit is already good so the APR is low, this can be an outstanding card.

Takeaways

There are a lot of business credit cards with no annual fee. You can get high cash back percentages. Or you can get high limits, or even bonuses. And you can even manage an SBA Express loan. Choose the option which works best for you. You don’t have to settle!

The post The Top 10 Best Business Credit Cards With No Annual Fee appeared first on Credit Suite.

Check Out the Latest Business Credit Cards No Annual Fee

Consider Business Credit Cards No Annual Fee and What They Can Do for Your Business

Looking for business credit cards no annual fee? Look no further. We’ve got you covered.

We looked into lots of company credit cards for you. So, here are our selections.

Most of these have an ongoing annual fee of $0 (versus just an introductory fee). You can get a lot of cash with business credit cards.

And you will not need collateral, cash flow, or financials to get small business credit.

Company Credit Card Benefits

Benefits can differ. So, make sure to choose the benefit you prefer from this choice of options.

And always check rates on the appropriate site.

Business Credit Cards No Annual Fee for Fair Credit

Capital One® Spark® Classic for Business

Take a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 26.99%. You can earn unlimited 1% cash back on every purchase for your company, without any minimum to redeem.

While this card is available if you have average credit, beware of the APR. Nonetheless if you can pay on time, and in full, then it’s a deal.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Business Credit Cards No Annual Fee for Jackpot Rewards That Never Expire

Capital One ® Spark® Cash Select for Business

Take a look at the Capital One ® Spark® Cash Select for Business card. It has no annual fee. You can get 1.5% cash back on every purchase. There is no restriction on the cash back you can earn. Also earn a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the very first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 13.99%– 23.99% variable APR afterwards.

You will need great to outstanding credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Business Credit Cards No Annual Fee (Introductory) for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Take a look at the Capital One ® Spark® Cash for Business card. It has an introductory $0 annual fee for the first year. Afterwards, this card costs $95 each year. There is no introductory APR offer. The regular APR is a variable 20.99%.

You can get a $500 one-time cash reward after spending $4,500 in the initial three months from account opening. Get unlimited 1.5% cash back with Cash Select.

You will need great to superior credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Annual Fee

Discover it ® Business Card

Look into the Discover it ® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for one year. After that the regular APR is a variable 14.49– 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match ™ at the end of the initial year. There is no minimal spend requirement.

You can download transactions rapidly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to exceptional credit scores to get this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% initial APR for the first year. After that, the APR is a variable 13.24– 19.24%. You can get a $750 one-time cash bonus after spending $7,500 in the first 3 months from account opening.

You can get 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.

Get 2% cash back on the first $25,000 spent in combined purchases at gasoline stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can earn.

You will need exceptional credit scores to get approved for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

Bank of America ® Business Advantage Cash Rewards MasterCard ® credit card

Look at the Bank of America ® Business Cash Rewards MasterCard ® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. Afterwards, the APR is 12.24%– 22.24% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Afterwards earn 1% after, with no restrictions.

You will need excellent credit to qualify.

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Corporate Credit Cards for Extravagant Travel

No Annual Fee

Bank of America ® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, check out this card from Bank of America. It has no yearly fee and a 0% initial APR for purchases during the first 9 billing cycles. After that, its regular APR is 12.24– 22.24% variable.

You can get 30,000 bonus points when you make a minimum of $3,000 in internet purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get endless 1.5 points for every $1 you spend on all purchases, everywhere, each time. And this is no matter how much you spend.

Also earn 3 points per every dollar spent when you book your travel (automobile, hotel, airline) with the Bank of America ® Travel Center. There is no restriction to the number of points you can get and points do not expire.

You can earn up to 75% more points on every purchase if you have a company checking account with Bank of America and qualify for Preferred Rewards for Business.

You will need superb credit scores to get this one (as in, 700s or better).

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Flat-rate Travel Rewards: No Annual Fee for First Year

Capital One ® Spark® Miles for Business

Check out the Capital One ® Spark® Miles for Business card. It has no annual fee for the initial year, which after that rises to $95. The regular APR is 20.99%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer charges. Late fees go up to $39.

This card is terrific for travel if your costs do not come under basic bonus categories. You can get unlimited double miles on all purchases, without limitations. Earn 5x miles on rental cars and hotels if you book through Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction cost. You will need a good to exceptional FICO rating to qualify.

Earn 50,000 bonus miles if you spend at least $4,500 within 3 months of your rewards membership enrollment date.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Business Credit Cards No Annual Fee for Fair to Poor Credit Scores, Not Calling for a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no annual fee.

You will not need to give your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.

Nevertheless, they do not accept every industry.

Also, there are some industries they will not work with, as well as others where they want more paperwork. For a list, go to https://brex.com/legal/prohibited_activities/.

To establish creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on travel. Also, get triple points on restaurants. And get double points on recurring software costs. Get 1x points on everything else.

You can have poor credit, (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Company Credit Cards with a 0% Initial APR– Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% initial APR for the first year. Afterwards, the APR is a variable 13.24– 19.24%.

Get double Membership Rewards® points on everyday business purchases like office supplies or client dinners for the first $50,000 spent annually. Get 1 point per dollar after that.

You will need good to exceptional credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express ® Blue Business Cash Card

Also have a look at the American Express ® Blue Business Cash Card. Note: the American Express ® Blue Business Cash Card the same as the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash as opposed to points.
Get 2% cash back on all qualified purchases on as much as $50,000 per calendar year. Afterwards obtain 1%.
It has no annual fee. There is a 0% initial APR for the first 12 months. After that, the APR is a variable 13.24– 19.24%.
You will need great to outstanding credit to qualify.
Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

The Very Best Small Business Credit Cards No Annual Fee for You

Your straight-out perfect business credit cards no annual fee will depend upon your credit history and scores.
Only you can pick which features you want and need. So, do your research. What is exceptional for you could be terrible for another individual.
And, as always, make certain to establish credit in the recommended order for the best, quickest benefits.

The post Check Out the Latest Business Credit Cards No Annual Fee appeared first on Credit Suite.

The Recession-Proof Best Business Credit Cards with no Annual Fee

Can you get the recession-proof best business credit cards with no annual fee? Absolutely! No matter what the economy is doing, you can get cards just like these.

You Need the Recession-Proof Best Business Credit Cards with No Annual Fee

Are you looking for the recession-proof best business credit cards with no annual fee?

According to the SBA, business credit card limits are 10 – 100 times those of personal cards! This means you can get a lot more cash with company credit.

And this also means you can have personal credit cards at shops, and now have an alternate card at the same retail stores for your company. And you will not have to put up collateral, cash flow, or financial information to get small business credit.

The Recession-Proof Best Business Credit Cards with No Annual Fee – Benefits

Features vary, so be sure to select the benefit you prefer from this array of alternatives.

The Recession-Proof Best Business Credit Cards with No Annual Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Check out the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial one year. Afterwards, the APR is a variable 14.74 – 20.74%.

You can get unlimited 1.5% Cash Back rewards on every purchase made for your corporation. And get $500 bonus cash back after spending $3,000 in the initial three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more using Chase Ultimate Rewards®. You will need excellent credit scores to get this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines.

Irresistible Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. Also get a one-time $200 cash bonus once you spend $3,000 on purchases in the first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR afterwards.

You will need good to excellent credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

An Alternative to the Recession-Proof Best Business Credit Cards with No Annual Fee: Dependable Credit Cards for Fair to Poor Credit, Not Calling for a Personal Guarantee

Brex Card for Startups

Check out the Brex Card for Startups. It has no yearly fee.

You will not need to provide your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.

Nonetheless, they do not accept every industry.

Additionally, there are some industries they will not work with, as well as others where they want added documentation. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a corporation’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have bad credit scores (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines.

Terrific Cards for Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Check out the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the first year. Afterwards, this card costs $95 each year. There is no introductory APR offer. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem at any time without minimums.

You will need great to outstanding credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Yearly Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for 12 months. After that the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to exceptional credit scores to get approval for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first 3 months from account opening.

You can earn 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on web, cable, and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at filling stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no restriction to the amount you can get.

You will need outstanding credit to get this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Take a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no yearly fee. You can get a $300 statement credit offer.

You will need exceptional credit to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

An Alternative to the Recession-Proof Best Business Credit Cards with No Annual Fee: Secure Business Credit Cards for Average Credit

Capital One® Spark® Classic for Business

Check out the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can get unlimited 1% cash back on every purchase for your company, without minimum to redeem.

While this card is within reach if you have average credit scores, beware of the APR. But if you can pay in a timely manner, and completely, then it’s a good deal.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Flexible Financing Credit Cards – Have A Look at Your Options!

The Plum Card® from American Express

Take a look at the Plum Card® from American Express. It has an introductory annual fee of $0 for the first year. After that, pay $250 each year.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need great to excellent credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/the-plum-card-business-charge-card/

An Alternative to the Recession-Proof Best Business Credit Cards with No Annual Fee: Company Credit Cards with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the first twelve months. Afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on everyday business purchases like office supplies or client dinners for the first $50,000 spent annually. Get 1 point per dollar afterwards.

You will need great to exceptional credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also check out the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash rather than points.

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. Then get 1%.

It has no annual fee. There is a 0% introductory APR for the first one year. Afterwards, the APR is a variable 14.74 – 20.74%.

You will need good to exceptional credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Establish business credit fast and beat the recession with our research-backed guide to 12 business credit cards and lines.

Your Recession-Proof Best Business Credit Cards with No Annual Fee

Your recession-proof best business credit cards with no annual fee with depend on your credit history and scores. Only you can make a decision on which rewards you want and need, so make sure to do your research.

And, as always, make sure to build credit in the recommended order for the best, fastest benefits. Check out how this will help your company get the recession-proof best business credit cards with no annual fee.

As the economy continues to change, you can still get financing for your small business. Let us show you how.

The post The Recession-Proof Best Business Credit Cards with no Annual Fee appeared first on Credit Suite.

The Best Small Business Credit Cards with no Annual Fee

Are you looking for the best small business credit cards with no annual fee? We’ve got them right here. This is the case despite what the economy or the pandemic are doing. Great business credit cards are not dependent upon a recession or COVID-19.

The Very Best Small Business Credit Cards with no Annual Fee

We looked into lots of corporate credit cards for you. So, here are our choices.

Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards!

This shows you can get a lot more funding with business credit cards. And it likewise shows you can have personal credit cards at shops. So, you would now have an additional card at the exact same shops for your small business.

And you will not need collateral, cash flow, or financials to get business credit.

The Best Small Business Credit Cards with no Annual Fee: Benefits

Benefits can differ. So, make sure to choose the benefit you would prefer from this selection of alternatives.

The Best Small Business Credit Cards with no Annual Fee

No Annual Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%.

You can get unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more using Chase Ultimate Rewards®.

But you will need outstanding credit scores to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Best Small Business Credit Cards with no Annual Fee for Fair Credit Scores

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem.

While this card is within reach if you have fair credit scores, beware of the APR. However if you can pay on time, and completely, then it’s a good deal.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Best Small Business Credit Cards with no Annual Fee with a 0% Introductory APR – Pay Zero!

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no yearly fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on everyday company purchases like office supplies or client suppers for the first $50,000 spent each year. Get 1 point per dollar afterwards.

But you will need good to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

American Express® Blue Business Cash Card

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. Then get 1%.

It has no annual fee. There is a 0% introductory APR for the first twelve months. Afterwards, the APR is a variable 14.74 – 20.74%.

But you will need good to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Best Small Business Credit Cards with no Annual Fee for Cash Back

Flat-Rate Rewards and No Annual Fee

Discover it® Business Card

Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for one year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match at the end of the first year. There is no minimal spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel.

But keep in mind: you will need good to superb credit scores to get approval for this card.

https://www.discover.com/credit-cards/business/

Best Small Business Credit Cards with no Annual Fee with Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Take a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. Afterwards, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

But you will need superb credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

Flat-Rate Rewards with an Introductory $0 Annual Fee

Capital One ® Spark® Cash for Business

Take a look at the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the first year. After that, this card costs $95 annually. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the initial 3 months from account opening. Get unlimited 2% cash back. Redeem at any time without minimums.

But you will need good to outstanding credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Best Small Business Credit Cards with no Annual Fee for Luxurious Travel Points

Best Small Business Credit Cards with no Annual Fee for Travel Rewards

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no annual fee while still getting travel rewards, take a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the first nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can get 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Get unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.

Likewise get 3 points per every dollar spent when you reserve your travel (car, hotel, airline) via the Bank of America® Travel Center. There is no limit to the number of points you can earn and points do not expire.

But you will need excellent credit scores to get this one (as in, 700s or better).

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Flat-rate Travel Rewards with an Introductory Annual Fee of $0

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which after that rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is wonderful for travel if your costs do not fall into typical bonus categories. You can get unlimited double miles on all purchases, with no limits. Get 5x miles on rental cars and hotels if you book with Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction fee.

But you will need a good to outstanding FICO rating to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

The Best Small Business Credit Cards with No Annual Fee for You

Your outright best small business credit cards with no annual fee will rest on your credit report and scores. This is always going to be the case.

Just you can select which features you want and need. So, make sure to do your homework. What is exceptional for you could be catastrophic for another person.

And, as always, make sure to develop credit in the advised order for the best, quickest benefits. Current economic conditions will not last forever. In the meantime, you can do your best to position yourself and your business better. Come out of the crisis and into the recovery with better financial prospects than ever before. It can be done.

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