No Annual Fee Credit Cards for Business | LendingTree
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No Annual Fee Credit Cards for Business

  • Trim costs with no annual fee
  • Compare top no annual fee business credit cards from our partners

While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.

Capital One Spark Cash Select
 

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  • Annual Fee $0
  • $500 Cash Back
  • Rewards Rate
    • Earn 1.5% Cash Back on every purchase
    • Earn 5% Cash Back on hotels and rental cars booked through Capital One's travel booking site
    1.5% - 5% Cash Back
  • Credit Needed Excellent

OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $750
  • Est. Monthly Rewards
    $156
  • Est. First Year Rewards
    $2,618

The Bottom Line

The rewards program for the Capital One Spark Cash Select Card is user-friendly so you don’t have to worry about limitations on how many dollars in cash back you can earn. There are also some nice features for those running a business, like tools to set spending limits on additional cards and helpful expense reports.

Our Take

The Good

The card comes with no annual fee and you earn cash back on all purchases, all the time. and come with the option of automatic redemption.

The Not So Good

The card is designed for those who want cash back rewards, so if that’s not your priority then you might want to choose a different card.


Card Details

  • Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
  • No annual fee
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One's travel booking site
  • Rewards won't expire for the life of the account
  • Redeem your cash back rewards for any amount
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • $0 Fraud Liability for unauthorized charges
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Revenued Business Card
 

Rated 4.5/5.0 stars by our editorial team

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OFFER VALUATION

Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.

Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.

  • Est. Intro Rewards
    $0
  • Est. Monthly Rewards
    $0
  • Est. First Year Rewards
    $0

The Bottom Line

This card is a great option for business owners who are expecting growth and need access to funding. It’s especially helpful if you have imperfect credit. Just make sure you review your repayment terms carefully and know your factor rate.

Our Take

The Good

We like that the spending limit for this business card grows as your revenue grows, and you can get your funds deposited straight into your bank account.

The Not So Good

This card does not earn rewards, and it also presents some risks since you can sell a portion of your future earnings to get funds now.


Card Details

  • No annual fee and no draw fee
  • Includes flex line, similar to a line of credit and only pay for what you use
  • Access cash on demand with funds deposited straight into your bank account
  • Fast and easy application process - apply online and receive a funding decision in as little as an hour
  • Approvals based on your business revenue and not personal credit
  • As your revenue increases, spending limits also increase
  • Access to business credit tools - Revenued reports to D&B to help build your business credit
  • Access to a dedicated U.S-based account manager to help you make the most of being a Revenued card holder
  • Rated Excellent on Trustpilot with 800+ reviews

The Blue Business® Plus Credit Card from American Express
 

Rated 4/5.0 stars by our editorial team

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Rates & Fees

 | Terms Apply


  • Annual Fee No annual fee
  • Regular APR 17.49% - 27.49% Variable
  • Rewards Rate
    • Earn 2X points on everyday business purchases such as office supplies or client dinners.
    • Earn 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • Terms and limitations apply.
    1X - 2X points
  • Credit Needed Good / Excellent

The Bottom Line

With The Blue Business® Plus Credit Card from American Express, you can get bonus points for the purchases you make without worrying about an annual fee. If you're looking for a credit card with a nice intro APR to help you pay for business expenses, this could be a great option. To see rates & fees for The Blue Business® Plus Credit Card from American Express, please click here.

Our Take

The Good

Enjoy the benefits of earning points and having intro APR all while paying no annual fee. You can add other card holders to the account for free and you can get great spending bonuses from any one of them.

The Not So Good

There is a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.


Card Details

  • 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. 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.
  • No Annual Fee
  • Terms Apply.

The American Express Blue Business Cash™ Card
 

Rated 4/5.0 stars by our editorial team

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Rates & Fees

 | Terms Apply


  • Annual Fee No annual fee
  • Regular APR 17.49% - 27.49% Variable
  • Rewards Rate
    1% - 2% cash back
  • Credit Needed Good / Excellent

The Bottom Line

The American Express Blue Business Cash™ Card has no annual fee and lots of cash back opportunities, so this card has one of the most profitable cash back programs on the market. This card is a nice option for business owners who already have established credit. To see rates & fees for The American Express Blue Business Cash™ Card, please click here.

Our Take

The Good

Cash back opportunities are vast and you can earn cash back on all other purchases.

The Not So Good

You'll need to have excellent-good credit to get approved.


Card Details

  • 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%
  • 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.
  • 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.
  • No Annual Fee
  • Terms Apply

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
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