6 Low-Fee Business Credit Cards That Are Great for Small Businesses

6 Low-Fee Business Credit Cards That Are Great for Small Businesses

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You don’t need to spend a lot of money to get a great small business credit card. In fact, there are plenty of cards for small businesses that offer generous rewards and valuable benefits, with no annual fee. Also, these cards come with all the same expense tracking and reporting features found on the issuer’s premium cards that cost hundreds of dollars a year.

The Case for No-Fee Business Credit Cards

The small business credit cards that have pricey annual fees are typically the ones that offer premium travel rewards and benefits. These cards are great for road warriors, but many businesses operate entirely within their community, and their owners have little or no need for these travel perks. And while most of the premium small business credit cards offer rewards in the form of airline miles or hotel points that can be difficult to use, the no-fee cards typically return good old cash back that’s simple to redeem. Finally, the small business credit cards that have no annual fee and offer no rewards will typically have lower interest rates than reward cards.

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Here are six of the best small business credit cards with no annual fees:

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This card starts off with a very generous sign-up bonus. Offermeta "Welcome Offer" not found in API data.. You can Offermeta "Rewards Rate" not found in API data.. Other benefits include purchase protection, extended warranty coverage and a roadside dispatch service. There’s no annual fee for this card, but there is a foreign transaction fee of Offermeta "Foreign Transaction Fee" not found in API data..

2. The Blue Business® Plus Credit Card from American Express

This card offers very competitive travel rewards, but still has no annual fee. 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.. Points are earned in the American Express Membership Rewards program, which offers gift cards, merchandise or travel reservations. Or, you can transfer your points to airline miles with 16 different frequent flyer programs. New applicants also receive 0% on purchases for 12 months. There’s no annual fee, but foreign transaction fees are 2.7% of each transaction after conversion to US dollars.

The Blue Business® Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

The Blue Business® Plus Credit Card from American Express

Get rewarded for business as usual. Earn 2X Membership Rewards® points on everyday business purchases Learn More

3. Capital One® Spark® Cash Select for Business

This card offers small business owners 1.5% Cash Back on every purchase.. You’ll get $200 Cash Back once you spend $3,000 on purchases within the first 3 months from account opening. You also receive 0% on purchases for 9 months. There’s no annual fee for this card, and no foreign transaction fees.

Capital One® Spark® Cash Select for Business

Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category Learn More

4. American Express® Blue Business Cash Card

This no-fee card offers very strong cash back returns on many common business purchases. You Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. There’s a $0 annual fee for this card, but there is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.. It also has a compelling introductory APR, with 0% on purchases for 12 months.

American Express® Blue Business Cash Card
American Express is a Nav Partner
Terms, Rates & Fees

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 Learn More

5. Bank of America® Business Advantage Cash Rewards Mastercard® credit card

This card allows you to get 3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), 2% cash back on dining, and 1% cash back on all other purchases.. New applicants can $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening.. There’s no annual fee for this card, and no foreign transaction fees.

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 Learn More

6. U.S. Bank Business Edge™ Platinum Card

When small businesses are looking to save money on financing purchases rather than earning rewards, this is a card to consider. It offers new accounts 12 months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee. Once the promotional financing period expires, the standard APR will apply, which is 11.49% to 19.49%, depending on the applicant’s creditworthiness. There’s no annual fee for this card, but there is a 3% foreign transaction fee.

Ready to see your credit data and start building better business credit? Check Your Personal and Business Credit For Free (No Credit Card Required).

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