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If you have a business or make business purchases, having a business credit card can be beneficial in several ways. For one, being able to keep your business and personal expenses separate can save you time and money when it comes time for taxes. Additionally, business credit cards are geared towards business purchases and therefore often offer rewards for them. For instance, you may be able to earn more rewards for purchases like office supplies, advertising costs, and even for telephone and internet services.

best business credit cards

The best business credit cards that earn rewards without having to pay an annual fee can be a winning proposition. No annual fee business credit cards let you earn bonus points on your business purchases that can be redeemed for cash or travel rewards.

Things to Consider Before Applying for the Best Business Credit Cards

Before you apply for a business credit card, you have a few factors to consider:

  • What are the bonus categories?
  • What are your point redemption options?
  • Is there a sign-up/welcome bonus?

Though you might only be considering no annual fee business credit cards, there are many differences.

These differences go on beyond the business credit card design and the issuing bank. Taking a few extra minutes to compare your business needs to the credit card benefits can help you make the best decision.

If you’re not ready to pay an annual fee yet, consider these business credit cards first.

Chase Ink Business Cash

Pros: Earns Chase Ultimate Rewards and up to 5% on business purchases on the first $25,000 spent at office supply stores and on internet, cable, and phone services in combined purchases each account anniversary year

Welcome Bonus:$500 cash back after spending $3,000 in the first 3 months of account opening

The Ink Business Cash℠ Credit Card lets you earn 5% back each account anniversary year on the first $25,000 in combined spending on the following business purchases:

  • Office Supply Stores
  • Internet, Phone and Cable Services

You will also earn 2% back each account anniversary year on the first $25,000 in combined spending at:

  • Gas Stations
  • Restaurants

If you max out the $25,000 earnings cap for the year, you will earn 1% on all remaining purchases for that bonus category.

You will always earn 1% back on all non-bonus category purchases.

Another added perk is primary rental car collision damage waiver protection which the Chase Sapphire travel rewards cards also offer.

Even though the Ink Business Cash is labeled as a cash rewards card, you can redeem your Ultimate Rewards points for travel and gift cards too for one cent each (10,000 points=$100). If you also own other Chase credit cards that earn Ultimate Rewards points, you can pool your points with the Chase Trifecta.

To earn more rewards, you can always upgrade to the Ink Business Preferred℠ Credit Card to earn bonus points on travel purchases and have direct 1:1 point transfer opportunities too. You can compare the Ink Cash and Ink Preferred here. 

Blue Business Plus Cash Card from American Express

Pros: Earns 2X Membership Rewards® points on everyday business purchases on the first $50,000 spent each calendar year; after spending $50,000, earn 1 point per dollar for the remainder of the year

If you want a no annual fee (See Rates & Feesbusiness credit card for travel rewards, the Blue Business℠ Plus Credit Card from American Express earns up to 2x Membership Rewards that you can transfer on a 1:1 basis to frequent flyer account like Delta, British Airways Avios (American Airlines), JetBlue, Emirates, and Etihad.

Additionally, you will have more flexibility to spend on this card thanks to Expanded Buying Power. With Expanded Buying Power, you can use your card beyond its credit limit, though the amount you can spend is not unlimited. Essentially, the amount will adjust as you use your card but will also take into consideration your payment history, credit record, known financial resources, and other factors. The goal is to give you more buying power and the ability to earn more points.

Your most valuable rewards with the Blue Business Plus are transferring your points to a travel partner or other award travel rewards.

SimplyCash Plus Business Credit Card

Pros: Earn 5% cash back on the first $50,000 spent on eligible wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores

When all you want are cash rewards instead of Membership Rewards for award travel, you will like the SimplyCash® Plus Business Credit Card from American Express.

The SimplyCash Plus purchase rewards are very similar to the Chase Business Cash, but you might like the earning opportunities more because of the higher spending caps:

Each year, you will earn 5% on the first $50,000 spent on eligible purchases at U.S. office supply stores and U.S. wireless telephone providers.

You can also earn 3% on the first $50,000 spent on eligible purchases for one of the categories below:

  • Airfare purchased directly from the airline
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental agencies
  • U.S. gas stations, U.S. restaurants, U.S. purchases for advertising in select media, U.S. purchases for shipping, and U.S. computer hardware, software, and cloud computing purchases from select providers

All remaining eligible purchases earn 1% for non-bonus categories and bonus spending in excess of $50,000.

By maxing out the 5% and 3% bonus each year, you can earn $4,000 in bonus cash back fee-free (See Rates & Fees)! With Expanded Buying Power, you can spend beyond your credit limit to make those large purchases while still earning rewards. Just know that the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the card, your payment history, your credit record, financial resources known to American Express, and other factors. 

Capital One Spark Cash Select

Pros: Earns 1.5% cash back on all purchases

Welcome Bonus: $200 cash bonus after spending $3,000 in the first 3 months

For a simple, flat-rate cash back credit card, you can consider the Capital One® Spark® Cash Select for Business. You will earn 1.5% cash back on every purchase.

Another unique feature of this card is that you won’t pay a foreign transaction fee. Most no annual fee business credit cards still charge the 2.7% foreign transaction fee that erases any potential rewards you earn.

To make your bookkeeping easier, you will also receive a quarterly and annual spending report. All spending activity can be imported directly to QuickBooks, Quicken, and Excel.

Capital One Spark Miles Select

Pros: Earns 1.5 miles per $1 on all purchases

Welcome Bonus: 20,000 bonus miles ($200) after spending $3,000 in the first 3 months

The Capital One® Spark® Miles Select for Business is the business card version of the Capital One Venture.

You will earn unlimited 1.5 miles per $1 spent for every purchase category. Your miles can be redeemed as a statement credit for travel purchases or you can redeem them through the Capital One travel portal for award flights, hotels, and vacation packages.

Your miles don’t expire and when there are no minimum redemption requirements, blackout dates, or seat restrictions. In other words, Capital One might not let you transfer your miles directly to a travel partner, but you will still have your choice of award travel. All miles are worth 1 cent each, regardless of which type of award travel you book.

In addition to no annual fee, there is no foreign transaction fee either. If you make a lot of international purchases, either Capital One card can be a good option because they waive the foreign transaction fee.

Summary of Best Business Credit Cards with No Annual Fee 

Any of these best business credit cards will maximize your business spending and let you keep the entire reward because you won’t pay an annual fee. As you can redeem your rewards points for cash or travel, these business cards might not offer as many benefits as a business credit card with an annual fee, but you will still be rewarded with every purchase.

For rates and fees of the Blue Business℠ Plus Credit Card from American Express, please click here.

For rates and fees of the Simply Cash Plus Business Credit Card from American Express, please click here.

Advertising

What of the Best Business Credit Cards Should I Put Advertising Spending On?

Almost every business has an advertising budget. Just like you care about the cost-per-click and the number of impressions for your advertising campaigns, you might be overlooking this return on investment factor, credit card rewards points. You don’t advertise on just any platform, so why wouldn’t you use the best business credit cards to put advertising spending on?

If you currently only earn 1 point per $1 spent on advertising, these small best business credit cards are a must for your business.

Chase Ink Business Preferred

The Ink Business Preferred℠ Credit Card earns 3x Ultimate Rewards points on your social media and search engine advertising. In fact, you will also earn 3x points in combined spending on the following purchase types:

  • Search engine and social media advertising
  • Shipping
  • Travel
  • Internet, cable, and phone services

After you reach $150,000 in annual spending, your remaining purchases continue to earn 1 point per $1.

You will always earn 1 point per $1 on all non-bonus spending.

The Ink Business Preferred costs $95 a year. You can redeem your rewards points for cash statement credits, gift cards, Amazon.com shopping rewards, or award travel.

Redeeming your points for award travel with the Chase Ultimate Rewards travel portal is the most valuable option as your points are worth 1.25 cents each that make 10,000 points worth $125; your Chase points are only worth 1 cent each with the other redemption options making the same 10,000 points only worth $100.

What’s even more valuable than the 25% travel redemption bonus is transferring your Ultimate Rewards points directly to your favorite airline or hotel loyalty program on a 1:1 basis. Your points can be worth at least 2 cents each, making 10,000 points worth $200 or more.

If you travel on a routine basis, you might find more value in the 1:1 point transfer option if you book travel with:

  • Southwest Airlines
  • United
  • Hyatt
  • Marriott
  • IHG

These are only five of the 13 Chase Ultimate Rewards travel partners and you can transfer to all of them in 1,000 point increments.

If you max out the $150,000 annual limit, you can earn 450,000 Chase Ultimate Rewards points.

These points are worth at least $5,625 in award travel through the Chase Ultimate Rewards portal.

Earn a $1,000 Bonus From Your Advertising Spending

As a new Ink Business Preferred℠ Credit Card member, you also have the opportunity to earn the most valuable Chase Ultimate Rewards sign-up bonus by earning 80,000 bonus points when you spend $5,000 in the first 3 months. This bonus is worth $1,000 in award travel in addition to the regular purchase rewards you earn.

Pool Your Personal Credit Card Rewards to Achieve Award Travel Sooner

If you also own a personal Chase credit card that earns Ultimate Rewards points like the Chase Sapphire Preferred or Chase Freedom, you can combine your Ultimate Rewards points together to book your next award ticket sooner.

If you own the Chase Freedom that earns 5% on rotating categories, those points receive the 25% travel redemption bonus when redeemed through your Ink Business Preferred. You can also transfer your points on a 1:1 basis too as only the Ink Business Preferred, Sapphire Preferred, and Sapphire Reserve have this option.

Additional Cell Phone Protection Benefits Too

In addition to the 3x purchase rewards on your cell phone service, you can also get automatic cell phone protection from Chase. If a company cell phone is damaged or stolen, Chase will reimburse up to $600 in costs after you pay a $100 deductible. This benefit can be used three times in a 12-month period to cover multiple employees if necessary.

American Express SimplyCash Plus Business

If you prefer a business credit card without an annual fee that earns cash back, the SimplyCash® Plus Business Credit Card from American Express earns up to 5% cash back on select business purchases and potentially 3% back on advertising.

The only “catch” is that you must opt-in to advertising to be your 3% bonus category.

On the first $50,000 in combined bonus spending each year, you will earn bonus cash back as follows:

  • U.S. office supply stores (5%)
  • U.S. wireless cell phone providers (5%)

Plus your choice of one of the below categories to earn 3% back:

  • U.S. purchases for advertising for online, television, and radio media providers
  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased directly from select rental agencies
  • U.S. gas stations, U.S. restaurants, U.S. purchases for shipping, U.S. computer hardware, software, and cloud computing from select providers

You will earn 1% on all remaining purchases.

You will also earn 1% on any spending in the three bonus categories after you exceed the $50,000 spending threshold for the year.

The SimplyCash® Plus Business Credit Card from American Express might be a better option if you advertise on other digital platforms besides social media and search engines and also focus on non-online media providers as well.

You won’t have to pay an annual fee (See Rates & Fees) which makes this card an easy addition to your wallet as well, even if you only use it for advertising and the two 5% bonus categories.

Capital One Spark Miles

One final recommendation is if you prefer a flat rewards card that earns the same number of points on every dollar spent regardless of what you buy. If that’s the case, the Capital One® Spark® Miles for Business earns an unlimited 2 miles per $1 on every purchase, everywhere. You’ll also get up to $100 credit towards one Global Entry or TSA PreCheck application fee.  

You can choose between the Capital One® Spark® Miles for Business or Capital One® Spark® Cash for Business for $95 per year, although the annual fee is waived the first year. The Spark Miles is the business card version of the Capital One Venture where you always earn 2 miles per $1 and each mile is worth 1 cent each. They can be redeemed for award travel through Capital One or as a travel statement credit.

If you’re okay with only earn 1.5 miles per $1, the Capital One® Spark® Miles Select for Business and Capital One® Spark® Cash Select for Business don’t charge an annual fee. While these four options aren’t as flexible as the Chase Ink Business Preferred, you might benefit more from the straightforward reward if your business and advertising spending don’t exactly benefit from a tiered rewards program.

Summary of Best Business Credit Cards for Ad Spending

These three best business credit cards options will help you earn more on your advertising spending than you currently do. Picking the right credit card helps you know you make every business purchase count to grow your brand while making every dollar count.

Which of these best business credit cards do you like?

For rates and fees of the Simply Cash Plus Business Credit Card from American Express, please click here.

Related Posts:

How Does Chase’s 5/25 Rule Impact Business Credit Cards?

Everything You Need to Know Before Applying for a Business Credit Card

The Best Business Credit Card Offers

Johnny Jet Editorial

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Best Business Credit Cards With No Annual Fees, Advertising Perks, & More
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