If you are pretty sure that a business credit card is the solution for your business financial needs, the next question on your mind is probably whether or not paying an annual fee for a credit card is a good investment.

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GET.com's Best Business No Annual Fee Credit Cards

Best ForCredit Card
RewardsThe Blue Business® Plus Credit Card from American Express

Many credit card companies offer the best benefits on cards that have an annual fee. So is getting a no-fee credit card an expensive bargain?

That depends a lot on how you spend, what your business involves, and how you finance your business. Some of our highly-rated business credit cards don't have an annual fee at all, and give you benefits that beat many cards with an annual fee.

You may get more exclusive benefits with The Business Platinum Card® from American Express but whether you need those extra benefits depends a lot on what you do. For example, if you don't travel on business often then the Platinum perks like access to over 1,200 airport lounges worldwide and complimentary Boingo internet access won't do much for you. Terms Apply.

So you can get a lot of great benefits for your business without adding the expense of an annual fee. If you want to maximize your business line of credit or save money on your business travel with free lounge access, hotel discounts or other specific perks, then paying an annual fee for a rewarding business charge card or business travel credit card might be a good idea.

If what you want is a business credit card that lets you earn rewards and enjoy perks designed for day-to-day business, check out our highly-rated no annual fee business credit cards.

The Blue Business® Plus Credit Card from American Express has a $0 annual fee (See Rates & Fees). Get rewarded for business as usual. Earn 2X points on everyday business purchases you make (such as office supplies or dinners with clients). These 2X points apply to the first $50,000 in purchases per year and you earn 1 point per dollar thereafter. Every additional employee card you get will also have $0 annual fee (See Rates & Fees). Terms Apply.

For rates and fees of the The Blue Business® Plus Credit Card from American Express, please click here.
Read our review of The Blue Business® Plus Credit Card from American Express here.

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How We Rate No Annual Fee Business Credit Cards

At GET.com we know that time means money, especially in business. That's why we do the time-consuming work of reading through fine print, terms and conditions for you. We rate business credit cards based on value for money. Benefits we look for when rating business credit cards include time-saving accounting features like electronic spending reports, monthly and annual spending reports, mobile receipt capture technology and mobile access to your account.

Other features that impact our ratings include free or paid employee credit cards, control over employee spending, and limits on the number of employee cards you can get.

Access to credit is also reflected in our ratings, with cards that have lines of credit that can grow with your business receiving higher ratings in that field. Benefits like travel insurance, airport lounge access, airline credit, hotel and airline perks are also taken into account.

At GET.com we love rewards, and the way that a card lets you earn rewards along with the value of rewards earned per dollar play a key role in determining the final rating of a credit card.

The presence or absence of introductory APR periods (0% intro APR periods in particular) also impacts a card's rating. The overall cost of using a card, including APR, annual fees, foreign transaction fees, penalty fees and overlimit fees are also taken into account.