If you’re a small business owner or sole proprietary, you need a card that’s reliable with your expenses. Sometimes, it’s best to have a business credit card that can yield you the most cash back on your purchases to provide you with not only the most optimal savings, but practicality within separating your personal and business expenses as well. Let’s face it, a good sum of us aren’t looking for that big annual fee attached to most business credit cards because it’s not justified for how much we spend on our business, which is why it’s a complete necessity on my end, to implement a list of Business Credit Cards with no annual fee, we find to suit you and your business the best.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
The Blue Business Plus® Card is American Express’s does prove itself quite attractive with an ultimately flexible rewards set at 2X Membership Rewards Points on all purchases for the first $50,000 that you spend each calendar year. Fingers crossed that we get a sign-up bonus attached to this card this year!
If you can value Membership Rewards Points at 2 cents a point, then you’ll be looking at a pretty attractive 4% return on your spending.
Blue Business Plus Credit Card from American Express Summary:
 With the Blue Business® Plus Credit Card from American Express: Earn 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% Earn 2X points on everyday business purchases such as office supplies or client dinners. You'll earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
What makes this an absolutely brilliant card to date is the 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores with the 3% cash back being on a category of your choosing. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% thereafter. Cash back received is automatically credited to your statement.
SimplyCash Plus Business Credit Card from American Express Summary:
 With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |
The Chase Ink Business CashSMCredit Card from Chase Bank will always be a staple card in my wallet just for how reliable it is for just about any and all of your business expenses.
What sets this card apart from other no annual fee business cards is the rewards structure: 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Not only that but you’ll be able to add employee cards at no additional cost.
Ink Cash Business Credit Card Summary:
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
The Spark® Cash Select for Business will earn you 1.5% cash back on every purchase for your business. You’ll also be able to add employee cards at no additional cost, and earn all the rewards from their purchases. One notable feature on this card is that there’s no foreign transaction fees, making it a breeze to do your purchasing abroad.
Editor’s Note: Most of the cards mentioned above have a Foreign transaction fee, so this card is a sigh of relief for those of you sole proprietaries that travel abroad quite often.
Spark Cash Select for Business Summary:
 The Capital One Spark Cash Select offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
Conclusion:
Capitalize on your business spending with a list of cards we believe to be the Best No Annual Fee Business Credit Cards of 2018. When it comes to evaluating each cards attributes, the cards mentioned are ranked by flexibility and overall rewards. The newly launched Blue Business Plus® Card may be quite the attractive card for you to try out, however, I do also recommend that you give our whole list some consideration as well since all the cards mentioned offers some pretty solid aspects. If there’s a card we did not mention in this post that you wanted us to add to the renditions, then be sure to let us know in the comment section below! We’d really appreciate it. Also, find out which card is right for you by checking out our complete list of Credit Card Promotions today!
