business credit cardsUpdated: Oct. 17, 2017

When you run your own business, you quickly discover that there are costs associated with just about everything. Little costs can add up over time, so it’s nice to get a break from the extra fees when you can. That’s why choosing a business credit card with no annual fee is a smart move — in addition to taking advantage of features like cash back rewards on purchases, you’ll be able to save money each year by not paying to own your credit card. While the advantages offered by some credit cards can make the annual fee worthwhile, if you’re running a small business, chances are you can use every extra dollar you can save. Which are the best business credit cards without an annual fee? Keep reading to find out.

Our picks for annual fee-less business credit cards

business credit cardsGreat for startups as well as established businesses, the Ink Business Cash Credit Card is our top-rated choice for a number of reasons. First, you’ll earn 5% cash back on up to $25,000 spent on office supplies, cable, Internet & telecom purchases a year, 2% on gas & dining (up to $25,000/year) and 1% on everything else. After you spend $3,000 on purchases in your first 3 months, you’ll get a bonus of $300 back. You get free employee cards with your account, which means you can increase your earning potential, and in addition to redeeming your rewards for cash back, you can also redeem them for gift cards or travel. Next, this card offers a generous 0% intro APR on both purchases and balance transfers for the first 12 months (note there is a 5% balance transfer fee), which is a great asset to have for standard business purchases as well as those you make when you’re just getting started and need to invest a bit more. Rounding out this versatile card are perks including purchase protection, extended warranty protection and a mobile app for easy receipt recording.

business credit cardsThe SimplyCash Plus Business Credit Card from American Express (a NextAdvisor advertiser) is a versatile cash back rewards card that lets you earn 5% cash back at U.S. office supply stores and on wireless phone services purchased directly from U.S. service providers (on up to $50,000 combined per year, then it’s 1%) and a standard 1% cash back on all purchases, along with 3% cash back on up to $50,000 in purchases per year in a category of your choice. You can change your category once per year, choosing from airfare, hotel rooms, car rental purchases, gas, restaurants, shipping, advertising in select media or computer hardware, software, and cloud computing purchases. Additionally, you can earn a $200 statement credit after spending $5,000 on purchases in the first 6 months and an additional $200 statement credit after spending an additional $10,000 on purchases in the first year you have the card — that’s essentially $400 bonus cash for spending just $15,000 in 12 months. Other great features of this card include the ability to overspend your monthly credit limit without penalty (the amount over your limit will be added to your minimum payment due for the next month), 0% intro APR on purchases for the first 9 months, free employee cards and a Receipt Match feature to help you manage business expenses and keep an eye on employee spending.

business credit cardsFinally, Capital One Spark Cash Select for Business offers your business a winning combination of fixed, unlimited cash back rewards and 0% intro APR on purchases for 9 months. Every purchase you make earns 1.5% cash back, with no caps on how much you can earn and rewards that don’t expire. Depending on how much you spend on business purchases, this could really add up, especially as you can get free employee cards to help expedite the earnings. As an added bonus, new cardholders who spend $3,000 on purchases within the first 3 months of approval will get $300 back. Other perks of this card include no foreign transaction fees, extended warranty protection, purchase security, travel assistance and auto rental collision coverage. You’ll also get a quarterly and year-end itemized report of your spending, to help make budgeting and taxes a breeze. There is a sister card, Capital One Spark Cash for Business, which earns 2% unlimited cash back on purchases, but it comes with a $95 annual fee (though it’s waived for the first year).

Not seeing what you’re looking for in this list? Check out our reviews of the best business credit card to compare other top names on the market.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.