Best no annual fee business credit cards

There are plenty of reasons to pick up a dedicated business credit card, and the benefits extend far beyond the rewards you can earn. Having a dedicated business credit card makes it considerably easier to keep business expenses separate for tax purposes, and the best business cards even come with cardholder perks like extended warranties and auto rental coverage.

Business credit cards can also be a valuable financial tool if your business income fluctuates or cash flow is occasionally tight. If you’re waiting on a client or vendor to pay a big invoice, for example, a business credit card can cover bills and expenses while you wait to get paid.

Fortunately, there are plenty of no-annual-fee credit cards for businesses that can help you enjoy the rewards of having a business card without having to pay for the privilege. Not only do the best business credit cards with no annual fee offer rewards, but many come with introductory APR offers as well.

Best no annual fee business credit cards

  • American Express Blue Business Cash™ Card: Best for earning flat-rate cash back
  • The Blue Business® Plus Credit Card from American Express: Best for earning Amex Membership Rewards points
  • Ink Business Unlimited® Credit Card: Best for its welcome bonus
  • Ink Business Cash® Credit Card: Best for earning cash back in business categories

American Express Blue Business Cash™ Card: Best for earning flat-rate cash back
Known as one of the best business credit cards for startups, the American Express Blue Business Cash™ Card makes it easy to earn a generous flat rate of rewards for each dollar you spend. As a cardholder, you’ll earn 2 percent cash back on the first $50,000 you spend on eligible purchases each year, then 1 percent back. There’s no annual fee, and you’ll also get 0 percent introductory APR on purchases for 12 months on purchases, followed by a variable rate of 13.24 percent to 19.24 percent.

Cardholder benefits you should be aware of include extended warranties, purchase protection against damage or theft, dispute resolution, access to Amex Offers and more.

The Blue Business® Plus Credit Card from American Express: Best for earning Amex Membership Rewards points
The Blue Business® Plus Credit Card from American Express works similarly except that you earn 2X Amex Membership Rewards points on the first $50,000 you spend, then 1X points. Unlike cash back, points earned in the American Express Membership Rewards program can be redeemed for a range of options including merchandise, gift cards, travel through AmexTravel.com and transfers to Amex airline and hotel partners. This card is free of an annual fee, yet you’ll qualify for the same 0 percent introductory APR on purchases for 12 months, followed by a variable rate of 13.24 percent to 19.24 percent.

This card also comes with extended warranties, purchase protection against damage or theft, dispute resolution, access to Amex Offers and additional cardholder benefits.

Ink Business Unlimited® Credit Card: Best for its welcome bonus
While the Ink Business Unlimited® Credit Card doesn’t offer the highest rate of rewards among flat-rate cash back credit cards for business, you do earn 1.5 percent back for each dollar you spend. Meanwhile, this card is currently offering the most generous bonus so far—$750 in bonus cash back when you spend $7,500 on purchases within three months of account opening or $2,500 per month in spending for three months in a row.

This card also comes with a 0 percent introductory APR on purchases for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent. You can also qualify for primary rental car coverage when you rent a car for business purposes, roadside dispatch, purchase protection against damage or theft, extended warranties and travel and emergency assistance services.

Ink Business Cash® Credit Card: Best for earning cash back in business categories
The Ink Business Cash® Credit Card is another top business credit card with no annual fee, yet this card offers tiered rewards rates that can help you cash in if you spend a lot in specific business-related categories. As a cardholder, you’ll earn 5 percent back on up to $25,000 spent in combined purchases at office supply stores and on Internet, cable and phone services each account anniversary year (then 1 percent back), 2 percent back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year (then 1 percent back) and 1 percent back on other purchases. You can also qualify for the same generous bonus offer of $750 in cash back when you spend $7,500 on your card within three months of account opening.

This no annual fee business credit card also comes with generous benefits including primary auto rental coverage for business rentals, extended warranties, purchase protection, travel and emergency assistance services and roadside dispatch. New cardholders can also save money with a 0 percent introductory APR on purchases for 12 months, followed by a variable APR of 13.24 percent to 19.24 percent….Read More>>

Source:- bankrate

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