Business Credit Cards with No Annual Fee
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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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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®.
- 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
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 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
The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express
Rates & Fees | Terms Apply
- 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
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
American Express Blue Business Cash™ Card American Express Blue Business Cash™ Card
Rates & Fees | Terms Apply
- 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
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, 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
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
- 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 annual fee
- $0 fraud liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Spark Cash Select - $500 Cash Bonus
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
- 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
- 0% Intro APR for the first 12 months
- No annual fee
- $0 fraud liability if your card is lost or stolen
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Spark Cash Select - 0% Intro APR for 12 Months
Costco Anywhere Visa® Business Card by Citi Costco Anywhere Visa® Business Card by Citi
- Discover the only business credit card designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- *No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
- See More Details & Reviews About TheCostco Anywhere Visa® Business Card by Citi
U.S. Bank Business Cash Rewards World Elite™ Mastercard® U.S. Bank Business Cash Rewards World Elite™ Mastercard®
- Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account.
- Earn up to 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases.
- 1% cash back on all other eligible net purchases.
- No limit on total cash back earned.
- Rewards never expire.
- 25% annual bonus based on your prior year's cash rewards, up to $250.
- 0% Intro APR* on balance transfers for 12 billing cycles. After that, a variable APR currently 13.99% - 22.99%.
- No Annual Fee*
- Great Offer from U.S. Bank, a 2021 World's Most Ethical Company® - Ethisphere Institute, February 2021.
- See More Details & Reviews About TheU.S. Bank Business Cash Rewards World Elite™ Mastercard®
Citizens Bank Everyday Points® Business Mastercard® Citizens Bank Everyday Points® Business Mastercard®
- Earn 25,000 bonus points when you spend $5,000 on purchases within the first 90 days.
- Earn 2 points for every $1 you spend.
- Redeem points for valuable rewards like cash back, travel, merchandise, gift cards and much more.
- Convenient tools, such as online account management and consolidated statements to help you control expenses
- Your business rewards credit card includes extras like Cell Phone Protection, MasterRental Car Insurance and the Mastercard Easy Savings program.
- Free employee cards
- See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®
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 from Chase, the Discover it Business Card and the Bank of America Business Advantage Cash Rewards Mastercard.
With the Ink Business Unlimited, you get unlimited 1.5% cash back, a 0% introductory APR period for purchases and a rich sign-up bonus.
The Discover it Business Card offers the same 1.5% cash back on purchases, a generous 0% APR period for purchases and Discover’s signature bonus offer for new cardholders: unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically.
The Business Advantage Cash Rewards Credit Card has a slightly different approach, with flexible rewards. You earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services and 2% cash back on dining and 1% cash back on all other purchases.
Featured Credit Cards
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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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