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You don’t need to worry about paying a high annual fee to open a small-business credit card that’s worthwhile. There’s a wide selection of no-annual-fee business cards to choose from, from options that earn cash back to flexible rewards points, and some even offer substantial benefits and an introductory 0% APR that can help you save money.
Compare our top picks for the best no annual fee business cards
Best for maximizing Chase points
$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.
Best for business expenses like office supplies and internet
$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.
Best for rewards plus a generous intro 0% APR
$500 cash back after spending $4,500 on purchases on the account holder’s card in the first 150 days of opening your account
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.
Best ultra-long introductory APR offer
0% intro APR on purchases and balance transfers for 20 billing cycles
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Best for earning travel points: The Blue Business® Plus Credit Card from American Express
Regular APR
15.49% – 23.49% Variable
Recommended Credit Score
Good to Excellent
- 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 us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 15.49% – 23.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Best for earning cash back: American Express Blue Business Cash Card
Regular APR
15.49% – 23.49% Variable
Recommended Credit Score
Good to Excellent
- Good choice for earning 2% cash back on all your eligible purchases up to $50,000 a year
- Intro APR offer
- No annual fee
- If your business spends more than $50,000 a year, you’ll want to use a different card to earn bonus cash back once you meet that threshold
Read Our Review
- 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 us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 15.49% – 23.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
- See Rates & Fees
Best for maximizing Chase points: Ink Business Unlimited® Credit Card
Regular APR
15.49% – 21.49% Variable
Recommended Credit Score
Good to Excellent
- 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
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- 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
Best for business expenses like office supplies and internet: Ink Business Cash® Credit Card
Regular APR
15.49% – 21.49% Variable
Recommended Credit Score
Good to Excellent
- Broad 5% and 2% cash-back categories (you can earn bonus cash back at office supply stores and at gas stations and restaurants)
- Intro APR offer for purchases
- No annual fee
- You can pair this card with a card that earns Ultimate Rewards to redeem your cash back for travel
- Annual cap on bonus categories
Read Our Review
- 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
- 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
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
- 0% introductory APR for 12 months on purchases
Best for rewards plus a generous intro 0% APR: U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Regular APR
16.24% – 25.24% (Variable)
Recommended Credit Score
Excellent/Good
- Strong welcome bonus and bonus categories for a no-annual-fee card
- Introductory 0% APR on both purchases and balance transfers for 15 billing cycles, then 16.24% – 25.24% (Variable)
- World Elite Mastercard benefits including cell phone protection
- Foreign transaction fees
- Relatively high minimum spending requirement to unlock bonus
- Authorized user purchases don’t count toward minimum spending requirement
- 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 16.24% – 25.24%.
- 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
- Terms and conditions apply
Best ultra-long introductory APR offer: U.S. Bank Business Platinum Card
Regular APR
14.24% – 23.24% (Variable)
Recommended Credit Score
Good to Excellent
- Extra-long 0% introductory APR on purchases and balance transfers
- No annual fee
- No rewards or welcome bonus
- Few benefits compared to other small-business cards
- Foreign transaction fees
- Limited time offer: 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.24% – 23.24%.
- 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
Best for customizing rewards: Bank of America Business Advantage Customized Cash Rewards Credit Card
Bank of America Business Advantage Customized Cash Rewards Credit Card
Regular APR
14.49% – 24.49% Variable
Recommended Credit Score
Excellent
- Good welcome bonus for a no-annual-fee business card
- Cardholders can choose their own 3% cash-back category from a list
- Bank of America Preferred Rewards for Business customers can earn up to 75% more rewards
- 3% and 2% cash back categories are capped at $50,000 in combined purchases per year (then 1%)
- Card only earns 1% back in non-bonus categories
- Foreign transaction fees
- The information related to the Bank of America Business Advantage Customized Cash Rewards Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
- Earn a $300 statement credit online bonus after making $3,000 in net purchases in the first 90 days of your account opening
- No annual fee
- 3% cash back in the category of your choice (gas stations is the default category) and 2% cash back on dining purchases on the first $50,000 spent in both categories combined each calendar year
- Unlimited 1% cash back on all other purchases
- 0% intro APR on purchases for your first 9 billing cycles, then 12.99% to 22.99% variable APR
- Earn up to 75% more cash back on every purchase if you have a business checking account with Bank of America and qualify for the highest Preferred Rewards for Business tier
Best for travel purchases: Bank of America Business Advantage Travel Rewards World Mastercard® Credit Card
Regular APR
14.49% to 24.49% variable
Recommended Credit Score
Good to Excellent
- You can earn 30,000 welcome bonus points
- 1.5 points per dollar on every purchase with no cap
- No annual fee/foreign transaction fee
- Some cards offer longer intro APR
- There are no airline or hotel partners to transfer points to
- The information related to the Bank of America Business Advantage Travel Rewards World Mastercard® Credit Card has been collected by Business Insider and has not been reviewed by the issuer.
- Earn 30,000 bonus points after you spend $3,000 in purchases in the first 90 days of your account opening
- Earn 3x points when you book your travel (car, hotel, airline) through the Bank of America® Travel Center. Earn 1.5x points on all other purchases
- No annual fee
