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Looking for an easy, inexpensive spending solution for your business? Credit cards offer a variety of valuable rewards and perks, plus benefits to help your business run more smoothly — like expense tracking tools, year-end summaries, and account alerts so you're never left in the dark. And with no annual fee, you'll never have to worry about making sure your card is worth the cost.
By Brendan Harkness
Aside from having no annual fee, of course, here are some of the qualities we looked for to give you the very best of the best.
By Brendan Harkness
Small business credit cards without annual fees can be quite valuable, giving you an easy way to manage your spending and take advantage of rewards and benefits. There could be no cost to you at all, as long as you avoid interest and other fees.
Cards without annual fees are less likely to stress you out, or make you feel like you need to use them. If you don’t happen to use a no annual fee card for a while, it won’t burn a hole in your pocket. (It may actually help out your credit.)
But really, the annual fee shouldn’t usually be a huge factor — if you’ll get enough out of the card, a fee could easily be worth it. And, since cards with annual fees tend to have better features, you may benefit much more from a card with a fee compared to one without.
Consider your options — including other great business cards — to see which would provide the most value for your business, after any associated costs.
The information related to American Express Blue Business Cash™ Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to The Blue Business® Plus Credit Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
You don’t need to pay an annual fee to get a great business card. Our favorites include:
No annual fee business cards are easy to explain — they have no annual fee or membership fee for the privilege of using them. But they typically do have credit card fees of other kinds, like late payment fees and interest charges.
Yes — there are plenty of valuable business cards with annual fees. You can check out the best business cards here, some of which have annual fees.
But why would you pay an annual fee for a card, if there are other good options available? There are plenty of good reasons.
You might be paying for high-end travel perks, like the airport lounge access and exclusive services you’d get from The Business Platinum Card® from American Express (Review). Perhaps you want great rewards and point transfer opportunities from the Ink Business Preferred® Credit Card (Review). Or maybe your credit isn’t the best, so you have to go with a secured business card like the Wells Fargo® Business Secured Credit Card.
For rates and fees of The Business Platinum Card® from American Express, please click here.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to American Express Blue Business Cash™ Card, The Blue Business® Plus Credit Card from American Express, Capital One Spark Classic for Business, The Business Platinum Card® from American Express, Capital One Spark Cash Select for Business, Discover it® Business Card, Capital One Spark Miles Select for Business, and American Express® Corporate Platinum Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.