Credit Cards

Roundup: Business Cards with Cash Rewards and No Annual Fees

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I don’t know about you, but I like my cash rewards card to come without an annual fee. It really diminishes the value of getting cash back when you have to fork over a chunk of money just to use the card for a year. So I found three cash back cards for small business owners that have excellent cash rewards and no annual fees. If you use one of these cards for your business expenses and pay your balance off monthly, you’ll reap plenty of cash rewards.

SimplyCash® Business Card from American Express OPEN

I like the way this credit card helps you pay for your operating expenses. Up to $12,000, you get 5 percent cash back rewards for wireless telephone service and office supplies, and 3 percent cash back on gas. After you spend $12,000, you get 1 percent cash back on these categories. But you also get 1 percent on all other eligible purchases.

There are no limits to the amount of cash back you can earn. This card offers a zero percent introductory APR on purchases for six, nine, or 12 months. After that, you’ll get a 13.24 percent, 16.24 percent, or 19.24 percent (V) APR, depending on your credit history.

At publishing time, SimplyCash® Business Card from American Express OPEN is offered on Credit.com product pages and Credit.com may be compensated if our users apply for and ultimately sign up for the card. However, this relationship does not result in ANY preferential editorial treatment.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Cash Rewards for Business Visa® Credit Card from Bank of America

You get 3 percent cash back for each $1 spent on purchases at office supply stores, computer network services and gas stations. Earn 1 percent cash back on all other purchases. You can earn unlimited cash rewards, but the rewards expire after three years. You have an option to directly deposit cash back rewards into a Bank of America checking account. Note: Cash rewards checks expire 90 days after date of issue.

This card offers a zero percent introductory APR on purchases for the first nine billing cycles. After that, you’ll get an 11.24 percent to 21.24 percent (V) APR.

Ink Cash (SM) Business Card with Unlimited Cash Back

After your first purchase, you earn 10,000 bonus points, which is worth $100 cash back (1 point = $.01). You earn 1 point for each $1 of purchases. Get two extra points per $1 spent—a total of three points–on eligible business purchases, including hardware stores, dining, and gas stations. There are no limits to the amount of purchases that earn one point; but the maximum amount of purchases that earn three points is capped at $2,000 (4,000 points) per billing cycle.

This card offers a zero percent introductory APR on purchases for the first six billing cycles. After that, you’ll get a 13.24 percent to 19.24 percent (V) APR.

At publishing time, Ink Cash (SM) Business Card with Unlimited Cash Back is offered on Credit.com product pages and Credit.com may be compensated if our users apply for and ultimately sign up for the card. However, this relationship does not result in ANY preferential editorial treatment.

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