The 8 Finest No Annual Charge Enterprise Credit score Playing cards of September 2022

Insider’s consultants select the perfect services to assist make good choices together with your cash (right here’s how). In some circumstances, we obtain a fee from our our companions, nonetheless, our opinions are our personal. Phrases apply to presents listed on this web page.

You need not fear about paying a excessive annual price to open a small-business bank card that is worthwhile. There’s a wide array of no-annual-fee enterprise playing cards to select from, from choices that earn money again to versatile rewards factors, and a few even supply substantial advantages and an introductory 0% APR that may assist you get monetary savings. 

Evaluate the perfect no-annual-fee enterprise bank cards

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be price it should you’re paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.

Why the Amex Blue Enterprise Plus card is price it: The Blue Enterprise® Plus Credit score Card from American Categorical presently presents a stable welcome bonus supply and earns worthwhile Amex Membership Rewards factors, which you’ll be able to redeem for flights, accommodations, and extra by means of the Amex journey portal or switch to airline and resort companions.

Welcome bonus supply: Earn 15,000 Membership Rewards® factors after you spend $3,000 in eligible purchases on the cardboard inside your first 3 months of card membership. 

The Blue Enterprise® Plus Credit score Card from American Categorical means that you can earn 2x factors on the primary $50,000 you spend every calendar yr (1x factors after). The cardboard additionally comes with a 0% intro APR on purchases for the primary 12 months from account opening (then a 15.49% – 23.49% Variable APR). 

You may usually get essentially the most worth if you switch factors to Amex switch companions (like Delta SkyMiles, Air Canada Aeroplan, British Airways Govt Membership, Marriot Bonvoy, and Hilton Honors). You too can redeem factors by means of American Categorical Journey to ebook airfare, accommodations, and rental automobiles. Different redemption choices embody reward playing cards, assertion credit, merchandise, and meals supply.  

You may obtain extra card advantages comparable to buy safety, prolonged guarantee, automobile rental loss and injury insurance coverage, dispute decision, expanded shopping for energy, entry to the World Help Hotline, and Amex Provides**. 

Evaluate: Amex Blue Enterprise Plus card evaluation

Why the Amex Blue Enterprise Money card is price it: The American Categorical Blue Enterprise Money Card earns cardholders easy cash-back on all eligible purchases. Plus, you’ll be able to earn a stable welcome bonus supply and reap the benefits of a great introductory 0% APR. 

In case you’re seeking to redeem your rewards as assertion credit to decrease your month-to-month bills, you must positively think about the American Categorical Blue Enterprise Money Card. If not, there are many different no-annual-fee playing cards on the market which have extra versatile redemption choices. 

Welcome bonus supply: Earn $250 assertion credit score after you spend $3,000 in purchases in your card in your first 3 months 

The American Categorical Blue Enterprise Money Card earns 2% money again on all eligible purchases as much as $50,000 per yr, then 1% money again (money again is acquired within the type of Reward {Dollars}). What makes the American Categorical Blue Enterprise Money Card distinctive is that it mechanically redeems money again as assertion credit. Assertion credit ought to seem in your subsequent billing cycle and decrease the general value of your invoice, so long as you pay your month-to-month minimal fee. 

The cardboard presents a 0% intro APR on purchases for 12 months from account opening (then a 15.49% – 23.49% Variable APR). You may additionally obtain different advantages comparable to automobile rental loss and injury insurance coverage, entry to the World Help Hotline, prolonged guarantee, buy safety, and Amex Provides**.

Evaluate: Amex Blue Enterprise Money evaluation

Why the Chase Ink Enterprise Limitless is price it: The Ink Enterprise Limitless® Credit score Card earns money again (within the type of factors) on all purchases with no cap, comes with a formidable welcome bonus supply, and has versatile redemption choices. You may additionally obtain free worker playing cards, in addition to journey and buy safety advantages.

Nevertheless, the Ink Enterprise Limitless® Credit score Card is not the one card on the market providing these perks. The Ink Enterprise Money® bank card presents the identical advantages with the potential to earn extra rewards, however solely in sure classes.

Welcome bonus supply: Earn $750 bonus money again after you spend $7,500 on purchases within the first 3 months from account opening.

The Ink Enterprise Limitless® Credit score Card earns a simple 1.5% money again (1.5 Chase Final Rewards® factors per greenback) on all purchases, with no cap. It has probably the most beneficiant welcome bonus presents of any no-annual-fee card, and you may obtain a 0% intro APR on purchases for the primary 12 months (then a 15.49% – 21.49% Variable APR).

You possibly can redeem Chase Final Rewards factors for money, reward playing cards, assertion credit, or journey booked by means of Chase. Plus, you probably have different annual-fee Chase playing cards (just like the Chase Sapphire Most well-liked® Card, Chase Sapphire Reserve®, Ink Enterprise Most well-liked® Credit score Card), you’ll be able to mix your factors in a type of accounts and unlock extra redemption choices, together with transferring factors to Chase’s airline and resort companions.

The cardboard comes with stable advantages like automobile rental insurance coverage, journey and emergency help companies, roadside dispatch, buy safety, and an prolonged guarantee. 

Evaluate: Chase Ink Enterprise Limitless card evaluation

Why the Chase Ink Enterprise Money card is price it: The Ink Enterprise Money® bank card is a good possibility for companies seeking to maximize their spending at workplace provide shops, web, cable, eating places, and extra. It has an awesome welcome bonus supply and a good intro APR deal. The Ink Enterprise Money® bank card additionally has versatile redemption choices and journey and buy advantages.

In case your highest bills aren’t at workplace provide shops — or on any of the opposite choose spending classes — you then’re higher off with a special no-annual-fee enterprise card. Additionally, in case your yearly enterprise bills simply exceed a $25,000 cap on choose spending classes, then you must positively think about a card with the next restrict (or no restrict). 

Welcome bonus supply: Earn $750 bonus money again after you spend $7,500 on purchases within the first 3 months from account opening.

Though the Ink Enterprise Money® bank card is marketed as a cash-back card, it is truly a factors card — Chase Final Rewards factors are price 1 cent every in the direction of money again, journey (booked by means of Chase), or reward playing cards. 

Cardholders earn:

• 5% money again (5 factors per greenback spent) on the primary $25,000 (then 1x) in mixed purchases at workplace provide shops and on web cable, and cellphone companies annually
• 2% money again (2 factors per greenback spent) on the primary $25,000 (then 1x) in mixed purchases at fuel stations and eating places annually
• 1% limitless money again (1 level per greenback spent) on all different purchases

As with the Ink Enterprise Limitless® Credit score Card, you’ll be able to mix your factors with different annual-fee Chase playing cards to extend your reward worth, or redeem for money, assertion credit, reward playing cards, or journey booked by means of Chase.

The Ink Enterprise Money® bank card comes with a 0% intro APR on purchases for 12 months from account opening (then a 15.49% – 21.49% Variable APR). That is nice if you could repay bigger bills over time with out incurring curiosity. You may additionally obtain fraud safety, automobile rental insurance coverage, prolonged guarantee, and journey and emergency help companies.

Evaluate: Ink Enterprise Money card evaluation

Why the Triple Money Rewards Mastercard is price it: The U.S. Financial institution Enterprise Triple Money Rewards Card is right should you’re searching for a card with a beneficiant bonus and intro APR. Plus, it earns respectable rewards with no cap, and you may obtain annual software program credit score. 

Sadly, you will not earn the welcome bonus except you have met the excessive spending requirement. Subsequently, it might not be attainable for some companies, particularly smaller companies or people with facet gigs.

Welcome bonus supply: Earn $500 money again after spending $4,500 on purchases on the account holder’s card within the first 150 days of opening your account. 

Cardholders earn:

• 5% money again on pay as you go accommodations and automobile leases booked by means of the Journey Rewards Middle
• 3% money again at fuel stations and EV charging stations, workplace provide shops, cellphone service suppliers, and eating places 
• 1% money again on all different eligible purchases

You possibly can redeem rewards as assertion credit, Actual-Time Rewards (to cowl eligible purchases as you spend), or a direct deposit (a minimal of $25 to redeem). Plus, the U.S. Financial institution Enterprise Triple Money Rewards Card will get you $100 software program credit score yearly in the direction of subscriptions like FreshBooks or Quickbooks. 

The cardboard has a 0% intro APR on purchases and steadiness transfers for 15 billing cycles (then a 16.24% – 25.24% (Variable) APR), which is nice for folk paying off debt or eager to repay giant purchases over time.

The U.S. Financial institution Enterprise Triple Money Rewards Card gives cardholders with World Elite Mastercard advantages, in addition to entry to the Rewards Middle Earn Mall. 

Evaluate: US Financial institution Triple Money Rewards card evaluation

Why the Enterprise Platinum Card is price it: The U.S. Financial institution Enterprise Platinum Card would not earn rewards or include a welcome bonus supply. However it does have an extra-long 0% intro APR, which is very interesting to companies seeking to keep away from incurring excessive curiosity on their debt — or these needing to repay giant purchases over a number of billing cycles.

Except you want a considerably lengthy intro APR, there are many higher playing cards in the marketplace additionally with 0% APR offers (not almost as lengthy) that additionally earn rewards and welcome bonus presents for no annual price. 

Welcome bonus supply: N/A

The U.S. Financial institution Enterprise Platinum Card has a 0% Intro APR on purchases and steadiness transfers for the primary 20 billing cycles (then a 14.24% – 23.24% (Variable) APR). 

Cardholders additionally get $0 fraud legal responsibility, 24/7 fraud monitoring, the US Financial institution ExtendedPay plan, and administration over worker bank cards. 

Why the Enterprise Benefit Custom-made Money Reward card is price it: The Enterprise Benefit Custom-made Money Rewards Credit score Card earns 3% money again in a class of your selecting (from six predetermined classes) and comes with a stable welcome bonus supply and intro APR.

This can be a nice card for companies searching for customizable money rewards. However should you’re not fascinated about selecting your individual rewards classes, you must think about a special no-annual-fee enterprise card. 

Welcome bonus supply: Earn a $300 assertion credit score after making $3,000 in purchases within the first 90 days of your account opening. 

The Enterprise Benefit Custom-made Money Rewards Credit score Card is exclusive because it permits cardholders to decide on which spending class they’d wish to earn 3% money again in (fuel stations, workplace provide shops, journey, TV/telecom and wi-fi, laptop companies, or enterprise consulting companies). It additionally earns you 2% money again on eating. However remember the fact that 3% and a couple of% earnings are capped at a mixed $50,000 per yr (then 1% money again).

You may get a 0% intro APR on purchases for the primary 9 billing cycles (then a 14.49% – 24.49% Variable APR). 

You possibly can redeem rewards as assertion credit, a direct deposit, or credit score to a qualifying Merrill (Financial institution of America’s wealth administration division) account. Financial institution of America Most well-liked Rewards clients may also earn as much as 75% extra rewards (quantities rely on deposit/funding with Financial institution of America or Merill). 

The cardboard presents extra advantages like money circulate administration instruments, journey accident insurance coverage, and automobile rental insurance coverage. It does cost a international transaction price, so it isn’t perfect for touring. 

Why the Enterprise Benefit Journey Rewards World Mastercard is price it: The Financial institution of America® Enterprise Benefit Journey Rewards World Mastercard® Credit score Card
earns easy flat-rate rewards on all purchases, plus bonus rewards on journey booked by means of the Financial institution of America Journey Middle. You may additionally get an enormous welcome bonus and a good 0% intro APR deal.

Financial institution of America Most well-liked Rewards members will earn essentially the most rewards (as much as 75% extra on purchases), so should you’re not a member you may miss out on the very best rewards alternative.

Welcome bonus supply: Earn 30,000 bonus factors after you spend $3,000 in purchases within the first 90 days of your account opening.

The Financial institution of America® Enterprise Benefit Journey Rewards World Mastercard® Credit score Card earns limitless 3x factors per greenback spent on eligible journey bookings (automobile, resort, and airways) by means of the Journey Middle website. You may additionally earn easy 1.5x factors per greenback spent on all purchases. 

The cardboard has a 0% intro APR on purchases for the primary 9 months from account opening (then a 14.49% – 24.49% variable APR). The deal solely applies to purchases, so it will not assist people making an attempt to pay down bank card debt. 

You possibly can redeem rewards earned with the Financial institution of America® Enterprise Benefit Journey Rewards World Mastercard® Credit score Card as an announcement credit score in the direction of journey or dining-related purchases, journey on the Financial institution of America Journey Middle, money again, or reward playing cards. 

The cardboard would not cost a international transaction price, which suggests it is a good possibility for worldwide journey. Different advantages embody money circulate administration instruments and journey and emergency companies. 

Evaluate: Enterprise Benefit Journey Rewards World Mastercard evaluation

Why the Spark Traditional for Enterprise is price it: The Capital One®️ Spark®️ Traditional for Enterprise is important as a result of these with truthful credit score scores can get it, and it earns 1% flat-rate money again on all purchases, with no cap.

Nevertheless, there is no welcome bonus supply or intro APR deal and it solely features a few extra perks. However you probably have restricted credit score historical past and wish a starter card to assist develop your enterprise, the Capital One®️ Spark®️ Traditional for Enterprise is defiantly price contemplating. 

Welcome bonus supply: N/A

The Capital One®️ Spark®️ Traditional for Enterprise earns limitless 5% money again on accommodations and leases automobiles booked by means of Capital One Journey, in addition to 1% money again on all purchases.

Though another enterprise playing cards have increased rewards charges, higher advantages, and embody a welcome bonus (all issues that the Capital One®️ Spark®️ Traditional for Enterprise would not have), what makes this card particular is that people with truthful credit score are eligible. Most small-business bank cards require you to have at the very least good credit score, so should you’re somebody with restricted credit score, this card might be an awesome place to begin.

You possibly can redeem your rewards as an announcement credit score or verify, as credit in the direction of earlier purchases, or reward playing cards. You too can arrange automated redemption preferences by means of your Capital One account. 

The common APR is a 26.99%. The Capital One®️ Spark®️ Traditional for Enterprise additionally has advantages like no international transaction charges, prolonged guarantee, and roadside help. 

No-annual-fee enterprise playing cards continuously requested questions (FAQ)

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