The Best Business Credit Cards No Annual Fee: The best business credit cards with no annual fee provide you with business-related benefits that every business owner needs, such as the feature to earn reward points on spending, tracking of purchases, no annual fee, and allowing you to build credit.
There are plenty of options of no annual fee credit cards to choose from, from rewards to cashback with some cards offering 0% APR, so you can save money.
So, if you are looking for the best business credit cards with no annual fee for maximizing the rewards on business-related spending, then check out the following credit card offers.
The Best Business Credit Cards No Annual Fee
Here is the list of the best no-annual fee business credit cards:
| Credit Card | Annual Fee | Regular APR | Best for |
|---|---|---|---|
| The Blue Business® Plus Credit Card from American Express | $0 | 18.49% – 26.49% | Flexible Rewards |
| Ink Business Unlimited® Credit Card | $0 | 18.49%–24.49% | Cashback |
| The American Express Blue Business Cash™ Card | $0 | 18.49% – 26.49% | Cashback |
| Ink Business Cash® Credit Card | $0 | 18.49% – 24.49% | Cashback for Business Expenses |
| Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card | $0 | 18.49% to 28.49% | Cashback |
| Capital One Spark Classic for Business | $0 | 30.74% | Cashback |
| Capital One Spark Miles Select for Business | $0 | 18.49% – 24.49% | Travel Rewards |
| Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card | $0 | 18.49% – 28.49% | Travel Rewards |
| Amazon Business Prime American Express Card | $0 | 19.49% – 27.49% | Cashback |
Compare the Best No Annual Fee Business Credit Card
1. Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express is one of the best credit cards for business financing and a worthy consideration for small and large businesses. You’ll get 2X points on all eligible business spending up to $50,000 per calendar year and 1X on other eligible purchases.
This credit card is best if your business is small and spends less than $50k in a year. This credit card has a $0 annual fee and offers 0% APR for 12 months from the account opening date. Get this credit card if your business’s annual spending is less than $50,000 per year.
Welcome Offer: You will get 15,000 Membership Rewards Points on the purchase of $3,000 from your card in the first 3 months.
Regular APR: 18.49% – 26.49% (on purchases and balance transfers).
Credit Score: 750 – 850.
Key Features
- No Annual Fee
- 0.0% intro APR on the purchase for 12 months from the account opening date. After that, a variable rate of 18.49% – 26.49% will be charged based on your credit score. However, APR will not exceed 29.99%.
- Get 2X Points on eligible business spending up to $50,000 per calendar year.
- Get 1X Points for other eligible purchases.
- You have the power to use your credit card beyond its limit. But, the amount you can spend beyond your credit card limit is not unlimited. This limit adjusts with your card usage, payment history, credit report, and other factors.
Pros
- No Annual Fee
- 15,000 Bonus Rewards
- 0% APR for 12 months
Cons
- High Foreign Transaction Fee
- High Regular APR
More: Best Credit Cards for Young People
2. Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is a perfect option for small and busy businesses and owners due to its simple and flat-rate reward program. With this credit card, you can earn 1.5% Cash Back rewards on every purchase made for your business. There is also no annual fee and a 0% intro APR for 12 months.
You can also earn a bonus of $900 if you spend $6,000 in the first 3 months after account opening. You can redeem your rewards for cash back, gift cards, and travel through Chase Ultimate Rewards. If your credit score is at least 700, then Chase Ink Business Unlimited might be your right credit card.
Welcome Offer: Get $900 as bonus cash back, on spending $6,000 in the first 3 months after account opening.
Regular APR: 18.49%–24.49% variable.
Credit Score: 700 – 749.
Key Features
- No Annual Fee.
- Get $900 as bonus cash back, on spending $6,000 in the first 3 months after account opening.
- Earn unlimited 1.5% cash back on every eligible purchase made for your business.
- You can redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.
- 0.0% intro APR for 12 months for purchases from the date of account opening. Thereafter, 18.49%–24.49% variable APR will be charged.
- You can earn 200,000 Points per year.
- Get rewards faster with employee cards at zero additional costs and set the individual purchase limit.
- Get 5% cash back on Lyft rides through March 2025 with your credit card (3.5% in addition and 1.5% already earned on travel).
- 24/7 monitoring for unusual or fraudulent transactions.
Pros
- No Annual Fee
- 0.0% intro APR for 12 months from the account opening date.
- Unlimited 1.5% cash back on all your business-related spending.
- Welcome bonus of $900.
Cons
- Balance transfer fee
- High Foreign transaction fee
3. The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is a great credit card for small businesses. This is a no-annual-fee credit card with 0% intro APR. With this credit card, you will get 2% cash back on all everyday eligible purchases up to $50k per calendar year and 1% cash back on other purchases.
If the majority of your expenses are related to your business, then this credit card might be the right choice for you. You will be rewarded for your business spending.
Welcome Offer: Earn a $250 statement credit after you spend $3,000 with your card in the first 3 months from the card activation.
Regular APR: 18.49% – 26.49%
Credit Score: 700 – 749
Key Features
- Welcome bonus of $250 statement credit after you spend $3,000 on your credit card in the first 3 months of card activation.
- 0.0% intro APR on purchases for 12 months from the date of account opening. After that, a variable rate of 18.49% – 26.49% will be charged. The APR will not exceed 29.99%.
- You will get 2% cash back on all everyday purchases up to $50,000 per calendar year related to your business. On other eligible purchases, you will get 1% cashback.
- With this credit card, you have the power to spend above your credit limit. Just remember, it is not unlimited. It changes according to your usage, payment history, credit score, and some other factors.
- You have Expense Management tools to manage your card.
Pros
- No annual fee
- 0.0% intro APR on purchases.
- 2% cash back on eligible business spend and 1% cash back on other spend.
- Expense Management Tool
- Extra benefits like car rental insurance and purchase protection.
Cons
- Not suitable for purchases above $50,000 per year.
- High foreign transaction fee.
4. Ink Business Cash Credit Card
The Ink Business Cash Credit Card is a great choice if you are looking for a cashback business credit card. You can earn 5% cash back on the first $25,000 spent at office supply stores, internet cable, and phone services in a calendar year, and 2% cash back on gas stations and restaurants. This credit card is worth considering its $0 annual fee.
This credit card also offers you $900 as a welcome offer, if you spend $6,000 on purchases in the first 3 months of card activation. You can redeem your reward points for cash back, gift cards, and travel through Chase Ultimate Rewards.
Welcome Offer: Get a $900 bonus cash back on your purchase in the first 3 months after the account opening.
Regular APR: 18.49%–24.49% variable.
Credit Score: 700 – 749
Key Features
- No annual fee.
- Get $900 bonus cash back on the purchase of $6,000 in the first 3 months from the date of account opening.
- You can earn 5% cash back on $25,000 spent at office supply stores, internet cable, and phone services in the calendar year.
- Get 2% cash back on the first %25,000 spent at gas stations and restaurants in a calendar year.
- Get 1% cash back on all other purchases.
- You can redeem your reward points for cash back, and gift cards, and travel through Chase Ultimate Rewards.
- 0.0% intro APR for 12 months.
- Get 5% cash back on Lyft rides.
- Get Employee cards and set individual spending limits to earn reward points faster.
Pros
- No annual fee
- High cashback rate on different purchases.
- Welcome bonus of $900.
- 0.0% intro APR for 12 months on purchase.
- Redeem reward points for cash back, gift cards, travel, and much more.
Cons
- Capping on bonus categories.
- High charges for balance transfer.
» MORE: Best Credit Cards for Truck Drivers
5. Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card
With no annual fee credit card, Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit card is a great pick for small business owners. If your business’s annual spending is about $50k, then this credit card might be the right choice for you.
You can earn 3% cash back on the category of your choice, 2% cash back on dining purchases, and 1% on all purchases. You can earn up to 75% more cash back on purchases with this credit card. The card also has good welcome offers with solid reward redemption options.
Remember, if you don’t spend in these bonus categories, then you should consider a different credit card.
Welcome Offer: As a welcome bonus, you will get a $300 online statement credit when you spend at least $3,000 on purchases in the first 90 days of your account opening.
Regular APR: 18.49% to 28.49% variable.
Credit Score: 750 -850.
Key Features
- As a welcome bonus, you will get a $300 online statement credit after sending $3,000 in purchases in the first 90 days of account opening.
- You will get 3% cash back in the category of your choice like gas stations, EV charging stations, office supply stores, travel, TV & telecom, etc. Enjoy 2% cash back on dining purchases.
- Enjoy 3% and 2% cash back on the first $50,000 spent in the combined choice category.
- Enjoy 1% cash back on all other purchases.
- You can get 75% more cashback on every purchase if you have a business checking account at the Bank of America Preferred Rewards for Business Platinum Honors tier. Get 5.25% cash back in the selected categories, 3.5% cash back on dining purchases, and 1.75% cash back on all other purchases.
- No annual fee.
- 0.0% intro APR for 9 billing cycles. After that, a variable APR of 18.49% to 28.49% will apply.
- You can choose reward redemption options like a bank deposit, savings account, or card statement.
Pros
- No annual fee
- 0.0% intro APR for 9 billing cycles.
- Earn 3% cashback on the category of your choice, 2% cashback on dining purchases, and 1% cashback on all other purchases.
- You can earn 75% more cashback if you are a Business member.
- Different reward redemption options.
Cons
- Foreign Transaction fee.
- 3% and 2% cashback categories have a spend capping of $50,000.
- Balance transfer charges.
6. Capital One Spark Classic for Business
If you have a limited credit history and a small business, then Capital One Spark Classic for Business is one of the best credit cards for you. This credit card also has a $0 annual fee and offers good cashback benefits.
You will get 1% cash back on all purchases for your business and 5% cash back on hotels and rental cars booked through Capital One Travel. However, the reward rate is average as compared with other credit cards. You can get cashback & rewards for any amount at any time with no expiration date.
If you have a fair credit report, you can easily get approval for this credit card.
Welcome Offer: None
Regular APR: 30.74% variable.
Credit Score: 700 – 749.
Key Features
- Enjoy 1% cash back on every purchase for your business with no limits or category restrictions.
- You can earn 5% cash back on hotels and rental cars booked through Capital One Travel.
- Get employee cards, and get 1% cash back on all other purchases.
- Get cashback & reward points at any amount that never expires.
- No annual fee
- Earn rewards and build your credit history.
Pros
- No annual fee
- Get approved if you have limited credit history.
- Earn 1% cash back on all your business expenses.
- Get 5% cash back on hotels and car rental.
- Get $0 fraud liability
- No foreign transaction fee.
Cons
- High annual APR.
- No welcome bonus.
- Low reward rate.
7. Capital One Spark Miles Select for Business
Capital One Spark Miles Select for Business is an excellent fit for small and mid-sized business owners. This credit card is suitable for those business owners who are looking for a credit card with a simple reward rate.
This credit card has a $0 annual fee and offers unlimited 1.5X miles on every purchase. In addition, you can earn 50,000 bonus miles on spending $4,500 in the first 3 months.
You’ll also get unlimited 1.5X miles on every purchase related to your purchase and earn 5X miles on hotels and car rentals through Capital One Travel.
Welcome Offer: You’ll earn 50,000 bonus miles if you spend $4,500 on purchases in the first 3 months after the account opening.
Regular APR: 18.49% – 24.49% variable.
Credit Score: 700 – 749
Key Benefits
- No annual fee.
- As a welcome Bonus, you will get 50,000 miles if you spend 42500 on purchases in the first 3 months from the account activation.
- You will earn 1.5X miles on every purchase related to your business.
- Enjoy unlimited 5X miles on hotels and car rentals booked through Capital One Travel.
- A variable 18.49% – 24.49% of AP will be charged based on your credit history.
- You can use your miles on flights, vacation packages, hotels, and much more. Even you can easily transfer miles for more than 15 + travel partners.
- You can redeem your miles easily for any travel-related spending, flights, and hotels to ride-sharing services with this credit card.
- Get free employee cards which also earn unlimited 1.5 X miles on every type of purchase.
Pros
- No annual fee.
- Get never-expiring miles.
- Welcome bonus of 50,000 miles.
- You will get 5X miles on hotels and car rentals through Capital One Travel.
- Enjoy a low APR of up to 24.49% based on your credit history.
- No foreign transaction fee.
- Credit card management tools.
Cons
- No intro APR offer.
» MORE: Best Credit Card for Utilities & Monthly Bills
8. Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card
The Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card is a great choice for business owners who have very good credit reports. You can get bonus reward points on travel without any type of annual charge. This credit card is suitable for you if you have a business checking account in the Bank of America.
With a 0% intro APR offer you can on unlimited 1.5 points for every $1 you spend on all purchases for your business. No matter how much you spend, you will get an unlimited number of points that never expire.
As a welcome offer, you will get 30,000 online business points, if you spend at least $3000 on all purchases in the first 90 days of your credit card activation. If you love the ecosystem of Bank of America, then this credit card can be a great pick for you.
Welcome Offer: Enjoy 30000 online business points after you spend at least $3,000 on all purchases in the first 90 days of credit card activation. Redeem these online points for $300 statement credits for the category of travel online purchases.
Regular APR: 18.49% – 28.49% variable.
Credit Score: 750 – 850.
Key Benefits
- This credit card has no annual fee or foreign transaction fee.
- Enjoy 30,000 online bonus points after spending at least $3,000 on purchases, in the first 90 days of your account opening. These points can be redeemed for a $300 statement credit for the travel and dining category.
- Enjoy unlimited 1.5 points for every $1 on all purchases, no matter how much you spend. There is no limit to the number of points you earn.
- If you have a business checking account with the Bank of America, you can earn 75% more points on all purchases. Plus, you can earn unlimited 2.62 points for every $1 spent on all types of purchases.
- 0% intro APR for the first 9 billing cycles and then a variable APR of 18.49% to 28.49% will be charged.
- You can redeem points for a statement credit to travel or dining purchases with no blackout dates, cash back, or gift cards.
- This is a contactless card with a security chip and the convenience of a tap.
Pros
- No annual fee
- No international transaction fee.
- You can earn 75% more points if you have a business checking account with the Bank of America.
- Unlimited 1.5 points on all purchases.
Cons
- The intro APR period is relatively short.
- Only offer travel-related benefits.
9. Amazon Business Prime American Express Card
Get this credit card if your business majorly runs on Amazon.com EWS or Whole Foods, because this credit card offers an unbeatable reward date of 5% cashback. This credit card will fulfill your business needs if you are spending mostly on the Amazon ecosystem.
This credit card offers unlimited 5% cash back on Amazon Business, AWS, Amazon.com, or Whole Foods on all eligible U.S. purchases on 90-day terms. As a welcome offer, you will get a $125 Amazon.com Gift Card.
However, this credit card does not offer 0% intro APR, so this credit card is not suitable for long-term financing.
Welcome Offer: Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
Regular APR: 19.49% – 27.49% variable.
Credit Score: 700 – 749.
Key Benefits
- No annual fee.
- As a welcome offer, you will get a $125 Amazon.com approval for the Amazon Business Prime American Express Credit Card.
- Enjoy 5% cashback on all eligible U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
- Enjoy 2% cash back on all eligible U.S. purchases at restaurants, gas stations, and wireless phone services.
- Get 1% cash back on all other purchases with the Amazon Business Prime American Express Card.
Pros
- No annual fee.
- No foreign transaction fee.
- 5% cash back on all eligible U.S. purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market.
- Free employee cards.
Cons
- No intro APR.
- Amazon Prime Membership is required.
- Not suitable for long-term.
Bottom Line – Best Business Credit Cards No Annual Fee
There are many no-annual-fee business credit cards available that offer lucrative cash back and rewards. However, not all credit cards offer the best rewards and benefits, but these credit cards will fulfill all your business needs.
If you are looking for a credit card that offers cashback, and rewards and want to redeem points for travel and dining purchases, then you’ve got the options here.