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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Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months See details for transfer fee
Regular APR
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14.74% - 20.74% (V)
Rewards Details
- Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
- Named "Best Rewards Card for Small Business Owners" by Kiplinger's Personal Finance, July 2017
- 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 card purchases with no limit to the amount you can earn
Additional Info
- 0% introductory APR for 12 months on purchases and balance transfers
- Employee cards at no additional cost
- No Annual Fee
- See More Details & Reviews About TheInk Business Cash℠ Credit Card
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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14.49% - 22.49% (V)
Rewards Details
- Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
- Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
- Get employee cards at no additional cost, and earn rewards from their business spend
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- No annual fee
- See More Details & Reviews About TheCapital One® Spark® Cash Select for Business
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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14.49% - 22.49% (V)
Rewards Details
- Earn 1.5 miles per $1 on every purchase, every day
- Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
- Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
- There's no limit to the amount of miles you can earn
- Fly on any airline, anytime, with no blackout dates or seat restrictions
Additional Info
- Save on interest with 0% intro APR on purchases for 9 months; 14.49% - 22.49% variable APR after that
- Pay no annual fee or foreign transaction fees
- Get online Quarterly and Year-End Summaries
- See More Details & Reviews About TheCapital One® Spark® Miles Select for Business
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.49% (V)
Rewards Details
- Earn 1% cash back on every purchase, every day
Additional Info
- Enjoy no annual fee
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
- See More Details & Reviews About TheCapital One® Spark® Classic for Business
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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12.74% - 20.74% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X 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.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- More buying power for your business* means more opportunities to earn points. That’s everyday business with the new Blue Business Plus Card.
- *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 us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business℠ Plus Credit Card from American Express
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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Not Offered
Regular APR
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12.49% - 22.49% (V)
Annual Fee
None
Rewards Rate
2 points / $1
Minimum Credit
Excellent
Rewards Details
- 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.
Additional Info
- Convenient tools, such as online account management and consolidated statements to help you control expenses
- Benefits like accessCard Command®, Mastercard Easy Savings Program, Travel Assistance and MasterRental® Insurance
- Free employee cards
- See More Details & Reviews About TheCitizens Bank Everyday Points® Business Mastercard®
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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0% for 6 monthsTransfer Fee: 3% (min $5)
Regular APR
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13.49% - 24.49% (V)
Annual Fee
None
Rewards Rate
1.25 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 1 point for every eligible net $1 you spend, plus get a 25% Bonus on all points earned every month, automatically.
- No caps or limits on the points you can earn, plus you have five years to redeem for rewards
- 2,500 bonus rewards points awarded after first purchase.
- Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
- Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325
- Special discounts with Visa SavingsEdge.
Additional Info
- Free employee cards with individual credit limits. Accumulate employee card Rewards points to the business owner's points total.
- Separate business expenses, manage cash-flow and track spending
- Download your annual Account Summary (up to 36 months), View spending by Total Spending, Average Ticket, Merchant and more.
- In order to take advantage of the 0% introductory APR for 6 months on balance transfers, you should submit your balance transfer request within 186 days of account opening.
- See More Details & Reviews About TheFirst Federal Community Bank Visa® Business Bonus Rewards Card
Community Discussion
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 moreshow less
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† 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.
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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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