Best No Annual Fee Credit Cards for Business

NerdWalletApr 27, 2021

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Paying an annual fee on a credit card can when it unlocks rich rewards and valuable perks, and the annual fee on a business credit card can even be a tax-deductible expense. Even so, many entrepreneurs have, well, zero desire to pay more than zero dollars to carry a credit card. If you're one of them, you have a wide selection of no-annual-fee business credit cards lined up below.

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The is a solid choice for entrepreneurs whose spending doesn't fall neatly into the bonus categories on many business credit cards. You'll get unlimited 1.5% cash back, a 0% introductory APR period for purchases and a rich sign-up bonus:

The is another excellent option for flat-rate cash-back. You'll earn unlimited 1.5% cash back on purchases. You'll enjoy an introductory APR of . And you'll get Discover's signature bonus offer for new cardholders, which the issuer puts this way: ""

Flexible rewards make the a great choice for business travelers who don't confine themselves to any single airline or hotel chain. You earn unlimited 1.5 points per dollar spent on purchases, and 3 points per dollar on bookings through the issuer's Travel Center. Points can be redeemed for credit against any travel purchase. There's a solid sign-up bonus, too: .

The earns 5% cash back on on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% on all other purchases. Throw in a nice 0% introductory APR period and a bonus offer worth $, and it's a great choice — assuming your spending fits the bonus categories.

The  pays 3% cash back in a category of your choice and 2% at restaurants, on up to $50,000 a year in combined 3%/2% spending, plus 1% cash back on all other purchases. The 3% categories, which you can change once a month, are travel; gas stations; TV, telecom and wireless; office supply stores; computer services; and business consulting services. Sign-up bonus: .

The  offers one of the better 0% introductory APR offers among business cards. You get an introductory . This card also earns 2% cash back on the first $50,000 in eligible purchases each year, and 1% after that. Cash back is automatically applied to your statement as a credit each month. Terms apply (see ). 

is nearly identical to the , except that it gives you points instead of cash back. You earn 2 points per dollar spent on the first $50,000 in eligible purchases each year, and 1 point per dollar after that. The introductory 0% offer is the same. Terms apply (see ).

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.

To view rates and fees of the , see . To view rates and fees of , see .

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