Best No Annual Fee Credit Cards for Business

NerdWalletSeptember 23, 2020

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Paying an annual fee on a credit card can make a lot of sense 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.

Ink Business Unlimited℠ Credit Card

1.5% cash back on purchases, 0% intro APR period, big sign-up bonus

The Ink Business Unlimited℠ Credit Card 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: Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening. Read our review.

NerdWallet rating 

4.6

/5
Ink Business Unlimited℠ Credit Card

on Chase's website

Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

$500

Recommended Credit Score

690-850
(Good - Excellent)

Discover it® Business Card

1.5% cash back on purchases, 0% intro APR period, cash-back match

The Discover it® Business Card 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 0% on Purchases for 12 Months, and then the ongoing APR of 14.49% - 22.49% Variable APR. And you'll get Discover's signature bonus offer for new cardholders, which the issuer puts this way: "Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. And no limit to how much we’ll match. So you could turn $350 cash back into $700 with Cashback Match™." Read our review.

NerdWallet rating 

4.8

/5
Discover it® Business Card

Annual Fee

$0

Rewards Rate

1.5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

690-850
(Good - Excellent)

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

1.5 points per dollar, solid sign-up bonus

Flexible rewards make the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card 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: Earn 30,000 bonus points when you make at least $3,000 in net purchases within 90 days of your account opening which can be redeemed for a $300 statement credit towards travel purchases. Read our review.

NerdWallet rating 

4.6

/5
Bank of America Travel Rewards World Mastercard® for Business Credit Card

Annual Fee

$0

Rewards Rate

1.5x-3x

Points

Intro offer

30,000

Points

Recommended Credit Score

720-850
(Excellent)

Ink Business Cash℠ Credit Card

Up to 5% cash back, 0% intro APR period, big sign-up bonus

The Ink Business Cash℠ Credit Card 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 $500, and it's a great choice — assuming your spending fits the bonus categories. Read our review.

NerdWallet rating 

4.4

/5
Chase Ink Business Cash Credit Card Credit Card

on Chase's website

Annual Fee

$0

Rewards Rate

1%-5%

Cashback

Intro offer

$500

Recommended Credit Score

690-850
(Good - Excellent)

Bank of America® Business Advantage Cash Rewards Mastercard® credit card

Customizable cash back up to 3%, good sign-up bonus

The Bank of America® Business Advantage Cash Rewards Mastercard® credit card 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: Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire. Read our review.

NerdWallet rating 

4.0

/5
Bank of America Cash Rewards for Business Credit Card

Annual Fee

$0

Rewards Rate

1%-3%

Cashback

Intro offer

$300

Recommended Credit Score

720-850
(Excellent)

American Express Blue Business Cash™ Card

0% intro APR period, cash rewards

The American Express Blue Business Cash™ Card offers one of the better 0% introductory APR offers among business cards. You get an introductory 0% intro APR on Purchases for 12 months, and then the ongoing APR of 13.24% - 19.24% Variable APR. 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. Read our review.

NerdWallet rating 

4.7

/5
American Express® Blue Business Cash Card

on American Express's website

Annual Fee

$0

Rewards Rate

1%-2%

Cashback

Intro offer

$100

Recommended Credit Score

690-850
(Good - Excellent)

The Blue Business® Plus Credit Card from American Express

0% intro APR period, rewards

The Blue Business® Plus Credit Card from American Express is nearly identical to the American Express Blue Business Cash™ Card, except that it gives you American Express Membership Rewards 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. Read our review.

NerdWallet rating 

4.8

/5
American Express The Blue for Business® Credit Card

on American Express's website

Annual Fee

$0

Rewards Rate

1x-2x

Points

Intro offer

100

Points

Recommended Credit Score

690-850
(Good - Excellent)


To view rates and fees of the American Express Blue Business Cash™ Card, please visit this page.

To view rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this page.

Methodology

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.

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