Best No Annual Fee Business Credit Cards of June 2025
There is no cost to carry these small-business credit cards.
Apply now No annual fee business credit cards are free to carry, and the best options put extra cash in your pocket with rewards and perks like an intro APR period. Since they have no fee, using more than one of these business credit cards
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Best No Annual Fee Business Credit Cards
| Credit card | Best for | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|---|
 Ink Business Unlimited® Credit Card on Chase's website |  BEST SMALL BUSINESS CREDIT CARD OF 2025 | $0 | 1.5% Cashback | $750 | on Chase's website | |
| Pros
Cons
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 Ink Business Cash® Credit Card on Chase's website | Businesses setting up an office | $0 | 1%-5% Cashback | $350 | on Chase's website | |
| Pros
Cons
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 The American Express Blue Business Cash™ Card on American Express' website | New businesses spending less than $50,000 annually | $0 | 1%-2% Cashback | $250 | on American Express' website | |
| Pros
Cons
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 The Blue Business® Plus Credit Card from American Express on American Express' website | Flexible rewards redemption (cash back or travel) | $0 | 1x-2x Points | 15,000 Points | on American Express' website | |
| Pros
Cons
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 Capital One Spark Cash Select on Capital One's website | Flat-rate cash-back rewards (1.5%) | $0 | 1.5%-5% Cashback | $500 | on Capital One's website | |
| Pros
Cons
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 U.S. Bank Triple Cash Rewards Visa® Business Card on U.S. Bank's website | 3% cash back on gas and other business essentials | $0 | 1%-5% Cashback | $500 | on U.S. Bank's website | |
| Pros
Cons
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 Bank of America® Business Advantage Travel Rewards World Mastercard® credit card on Bank of America's website | No-fee business travel card | $0 | 1.5x Points | 30,000 Points | on Bank of America's website | |
| Pros
Cons
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 Capital on Tap Business Credit Card on Capital on Tap's website | Business owners with fair/average credit | $0 | 1.5% | N/A | on Capital on Tap's website | |
| Pros
Cons
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 Brex Card on Brex's website | Corporate card (no personal guarantee) | $0 | 1x-7x Points | 10,000 Points | on Brex's website | |
| Pros
Cons
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 Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card on Bank of America's website | Flexible cash-back bonus categories (up to 3%) | $0 | 1%-3% Cashback | $300 | on Bank of America's website | |
| Pros
Cons
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 BILL Divvy Corporate Card on BILL Spend & Expense's website | Corporate spend and expense management | $0 | 1x-7x Points | N/A | on BILL Spend & Expense's website | |
| Pros
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Here are the best no annual fee business credit cards
2025 BEST CREDIT CARD
SMALL BUSINESS
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
2025 BEST CREDIT CARD
SMALL BUSINESSInk Business Unlimited® Credit Card
Best for Welcome bonus + cash-back rewards (1.5%)
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
on Chase's website
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Ink Business Cash® Credit Card
Best for Businesses setting up an office
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
on Chase's website
Pros
- Intro APR period
- New cardholder bonus offer
- High reward rate in bonus categories
Cons
- Low rate outside bonus categories
- Spending caps on bonus rewards
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The American Express Blue Business Cash™ Card
Best for New businesses spending less than $50,000 annually
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
on American Express' website
Pros
- High cash-back bonus rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Best for Flexible rewards redemption (cash back or travel)
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
on American Express' website
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
on Capital One's website
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Capital One Spark Cash Select
Best for Flat-rate cash-back rewards (1.5%)
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
on Capital One's website
Pros
- High rewards rate
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Reports all card activity to consumer credit bureaus
- No Intro APR period
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for 3% cash back on gas and other business essentials
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$500
on U.S. Bank's website
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- Reports to Dun & Bradstreet
- New cardholder bonus offer
Cons
- Low rate outside bonus categories
- Activity on employee cards does not count toward bonus spending requirement
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for No-fee business travel card
Annual fee
$0
Rewards rate
1.5x
Points
Intro offer
30,000
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Capital on Tap Business Credit Card
Best for Business owners with fair/average credit
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
on Capital on Tap's website
Pros
- High rewards rate
- No reward caps
- Available with fair credit
- No annual fee.
- No foreign transaction fees.
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- Potential for very high APR
- No new cardholder bonus offer
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Brex Card
Best for Corporate card (no personal guarantee)
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
on Brex's website
Pros
- No annual fee or foreign transaction fees
- New cardholder bonus offer
- No personal guarantee
- Card-level spending controls
Cons
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Not available to sole proprietors
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for Flexible cash-back bonus categories (up to 3%)
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$300
on Bank of America's website
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
BILL Divvy Corporate Card
Best for Corporate spend and expense management
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Other top business credit cards with no annual fee
Before applying, confirm details on the issuer’s website.
Wells Fargo Signify Business Cash℠ Card
Best for: Cash-back rewards (2%)
NerdWallet star rating: 5
Among big-name card issuers, the Wells Fargo Signify Business Cash℠ Card is the only no-annual-fee business credit card to offer all business owners unlimited 2% back on all purchases. Combine that high rewards rate with a long intro APR period and a competitive welcome offer — earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first three months — and you have a top-notch card that is unmatched on simplicity and ongoing value. Note: You need to have a Wells Fargo checking or savings account to apply for the Wells Fargo Signify Business Cash℠ Card. Other applicants need to visit a branch location. Read our full review
See card details
What is a no-fee business credit card?
A no-fee business card typically refers to a business credit card with no annual fee. However, these cards still have other costs, including interest on purchases (avoidable if you pay your balance in full) and incidental fees, such as foreign transaction fees, balance transfer fees or late payment fees.
Should you get a business credit card with no annual fee?
The annual fee is only one factor to consider when comparing business credit cards. And in some cases, you can earn more rewards if you opt for a card with a higher annual fee.
If you want a cash-back business credit card
Eyeing a travel card? Most of the best business travel cards
The Ink Business Preferred® Credit Card, for example, has an annual fee of $95. The card also has a huge welcome offer: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Beyond that bonus, you earn 3 points per $1 spent on the first $150,000 of combined spending in the following areas: travel, shipping, advertising (social media and search engines), and internet, cable and phone service. Spend just $5,000 per year in those categories and you’ll net 15,000 Chase Ultimate Rewards points
While there are a few business travel cards that don’t charge an annual fee — Bank of America® Business Advantage Travel Rewards World Mastercard® credit card, for example — you typically earn fewer points and a smaller signup bonus.
To view rates and fees of The American Express Blue Business Cash™ Card, see this page this page
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service .