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Business Credit Cards With Cash Back and No Annual Fee

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In 2007, I plan on creating an official business entity (LLC) to handle any income not coming to me from my day-job employer. As I do more work online, I’m dealing with more expenses, so I’m going to look into getting a business credit card. Having a card with no annual fee is important to me, while interest rate is not. My business expenses should remain well below income, but as a Type B credit card user, I make the most of the grace period. So here are my best options:

Discover Business Card
Discover® Business Card
APR: 12.99%
Introductory APR: 0% for 12 months
Annual Fee: $0

This card offers 5% cash back on office supplies, 2% back on gas, and 1% back on everything else. This is probably my first choice card.

Here’s one more card to round out the collection.

Chase Business Rebate Visa CardChase Business Rebate Visa Card
APR: 14.24%
Introductory APR: 0% for 12 months on purchases and balance transfers
Annual Fee: $0

If you entertain clients, which I do not, this may be a good choice for your small business. Here you get 3% cash back on purchases at restaurants, gas stations, office supply stores, building supply stores, and hardware and home improvement stores. Everywhere else, the card offers 1% cash back.

In some cases, the best solution may be a combination of cards. For example, I might use the Chase card when paying for dining out and filling up the tank, the Discover® Card for office supplies, and either for everyday purchases.

Updated January 7, 2016 and originally published December 27, 2006.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

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{ 3 comments… read them below or add one }

avatar 1 Anonymous

Thanks for the information. I will be needing a new credit card soon because my current one is going to start to charge interest from the day of purchase.

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avatar 2 Luke Landes

Nagel: That’s tricky. At least you were able to catch the change before they started.

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avatar 3 Anonymous

I would go forDiscover Business card. There cash rewards are not supposed to expire. But do you spend that much on office supplies?

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