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Best Business Credit Cards with No Annual Fee
WalletHub makes it easy to find the best credit card for you.
A business credit card with no annual fee is exactly what it sounds like, a credit card that provides the business-oriented utilities that a small business owner needs, such as simplified purchase tracking and the ability to earn rewards on employee spending, without the monthly or annual membership fees that hurt your bottom line. The trade-off for not having an annual fee is that the rewards offered by the cards listed below, while competitive, might not be the most generous. If you are interested in maximizing the rewards you earn on business spending, check out business credit cards with rewards or our Editor’s Best Business Credit Cards. Before deciding on a card, you might also want to look into general-consumer no annual fee credit cards, since being a small business owner does not preclude you from using such a card if it better meets your needs. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- Terms and conditions apply
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 14.74% - 23.74%.
- No annual fee.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- See More Details & Reviews About TheU.S. Bank Business Triple Cash Rewards World Elite Mastercard®
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- Terms Apply
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Capital One Spark Cash Select - 0% Intro APR for 12 Months Capital One Spark Cash Select - 0% Intro APR for 12 Months
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No rewards bonus
- No intro APR on balance transfers
- Requires good/excellent credit
- 0% Intro APR for the first 12 months; 16.24% - 24.24% variable APR after that
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
Ink Business Cash® Credit Card Ink Business Cash® Credit Card
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 13.49% - 19.49% (V) regular APR
- 3% foreign transaction fee
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Cash® Credit Card
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.
- Terms Apply
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $250 initial rewards bonus
- Spending caps on rewards
- No balance transfers allowed
- Foreign fee
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- No Annual Fee
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- See More Details & Reviews About TheInk Business Unlimited® Credit Card
Capital One Spark Cash Select - $500 Cash Bonus Capital One Spark Cash Select - $500 Cash Bonus
- Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- No membership fees
- $500 initial rewards bonus
- No foreign fee
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No annual fee
- $0 fraud liability if your card is lost or stolen
- See More Details & Reviews About TheCapital One Spark Cash Select - $500 Cash Bonus
U.S. Bank Business Platinum Card U.S. Bank Business Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 12.74% - 21.74%.
- U.S. Bank Business Platinum Card
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- See More Details & Reviews About TheU.S. Bank Business Platinum Card
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- 0% intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 12.49% to 22.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Bank of America® Platinum Plus® Mastercard® Business card Bank of America® Platinum Plus® Mastercard® Business card
- Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening.
- No annual fee
- 0% intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- Save on interest with a competitive purchase APR.
- No annual fee.
- 0% Introductory APR on purchases for the first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 10.49% to 21.49% will apply.
- Employee cards at no additional cost to you and with credit limits you set.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
- See More Details & Reviews About TheBank of America® Platinum Plus® Mastercard® Business card
Questions & Answers
Comparing business credit cards with no annual fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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What are the best business credit cards with rewards and no annual fee? Reply
Some of the best business credit cards with rewards and no annual fee are the Ink Business Unlimited® Credit Card from Chase, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® and the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.
With the Chase Ink Business Unlimited, you get 1.5% cash back on all purchases, a 0% introductory APR period for purchases (followed by a standard regular APR), and a rich sign-up bonus.
The U.S. Bank Business Triple Cash offers 5% cash back on prepaid hotels and car rentals booked in the Travel Rewards Center, 3% cash back at restaurants, 3% back on single gas purchases of $200 or less, 3% cash back on cell phone/service provider and office supply purchases, as well as 1% back on all other purchases, a generous 0% introductory APR period for purchases (followed by a standard regular APR).
The Bank of America Customized Cash Rewards Business Card has a slightly different approach, with flexible rewards. You earn 3% cash back on your choice of one out of six categories and 2% cash back on dining (for the first $50,000 combined in these 2 categories per year), as well as 1% back on all other purchases.
Featured Credit Cards
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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