A no-annual-fee business credit card is easy to stash in your wallet. These business credit cards are free to hold on to, and the best options put extra cash in your pocket with rewards and perks like an intro APR period.
Most business cards with no fee are cash-back cards. You can earn anywhere from 1% to 5% back on your business spending, with the bulk of that going right back into your business (provided you don’t carry a balance). A few select business travel cards also have no annual fee, though these tend to offer fewer perks than business travel cards with fees.
Here are our picks for best business credit cards with no annual fee, which include cash-back cards from Chase, AmEx and U.S. Bank, as well as a business travel card from Bank of America.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and others cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
A no-annual-fee business credit card is easy to stash in your wallet. These business credit cards are free to hold on to, and the best options put extra cash in your pocket with rewards and perks like an intro APR period.
Most business cards with no fee are cash-back cards. You can earn anywhere from 1% to 5% back on your business spending, with the bulk of that going right back into your business (provided you don’t carry a balance). A few select business travel cards also have no annual fee, though these tend to offer fewer perks than business travel cards with fees.
Here are our picks for best business credit cards with no annual fee, which include cash-back cards from Chase, AmEx and U.S. Bank, as well as a business travel card from Bank of America.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections can be applied for through NerdWallet, and others cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.
Find the right credit card for your business
Answer a few quick questions, and we’ll match you to personalized card recommendations.
Here are the best no annual fee business credit cards
Here are the best no annual fee business credit cards
Sort By
2025 BEST CREDIT CARD SMALL BUSINESSAnnual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
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
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
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 Welcome bonus + cash-back bonus categories (up to 5%)
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$350
Apply now
on Chase's website
Rates & Fees
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
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
Apply now
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
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
Apply now
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
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
Apply now
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
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
Apply now
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
The American Express Blue Business Cash™ Card
Best for Intro APR period + flat-rate cash-back rewards (2%)
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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 Intro APR period + flat-rate cash-back rewards (2%)
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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 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
Apply now
on American Express' website
Rates & Fees
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
Apply now
on American Express' website
Rates & Fees
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%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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 0% intro APR on purchases
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases
- 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
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$500
Apply now
on Capital One's website
Rates & Fees
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
Apply now
on Capital One's website
Rates & Fees
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%
Intro offer
N/A
Apply now
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
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
Apply now
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
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
Apply now
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
Brex Card
Best for Corporate credit card
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
Apply now
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
Before applying, confirm details on the issuer’s website.
Ink Business Unlimited® Credit Card
Best for: Welcome bonus + cash-back rewards (1.5%)
NerdWallet star rating: 4.9
The
Ink Business Unlimited® Credit Card
earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Learn more and apply.Ink Business Cash® Credit Card
Best for: Welcome bonus + cash-back rewards (up to 5%)
NerdWallet star rating:
4.6
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, including 5% cash back on spending at office supply stores, you can rack up some serious cash back. (If not, then look elsewhere.) There's an excellent sign-up bonus for a no-annual-fee cash-back card, plus an introductory APR period for purchases. Learn more and apply.U.S. Bank Triple Cash Rewards Visa® Business Card
Best for: 0% intro APR on purchases
NerdWallet star rating:
4.4
The
U.S. Bank Triple Cash Rewards Visa® Business Card
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
Plus, the card offers a competitive welcome bonus and 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 17.99%-26.99% Variable APR
— all with a $0
annual fee. Learn more and apply.Capital One Spark Cash Select
Best for: Flat-rate cash-back rewards (1.5%)
NerdWallet star rating:
4.6
The
Capital One Spark Cash Select
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards. (See rates and fees.) Businesses that expect to spend $30,000 or more in their first three months should look to the Capital One Spark Cash Plus
, which offers a higher bonus and rewards rate (for a higher annual fee). (See rates and fees.) Learn more and apply.The American Express Blue Business Cash™ Card
Best for: Intro APR period + flat-rate cash-back rewards (2%)
NerdWallet star rating:
4.5
The American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also a $0
annual fee. Terms apply. Learn more and apply.The Blue Business® Plus Credit Card from American Express
Best for: Flexible rewards redemption (cash back or travel)
NerdWallet star rating:
4.4
The Blue Business® Plus Credit Card from American Express
is a near-twin to The American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for: Flexible cash-back bonus categories (up to 3%)
NerdWallet star rating:
3.9
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
gives entrepreneurs a little control over their credit card rewards by letting them choose which category earns the highest cash-back rate. Options include gas (EV charging stations qualify as well), office supplies, travel, computer services and more. There are also bonus rewards on dining and no annual fee. Learn more and apply.Capital on Tap Business Credit Card
Best for: Business owners with fair/average credit
NerdWallet star rating:
4.6
The
Capital on Tap Business Credit Card
issues by WebBank offers 1.5
% cash back on all purchases, no annual fee and the potential for a low APR. And it's available to business owners with fair credit: Capital on Tap Business Credit Card
says applicants with a FICO score of 670 or higher have the best chance of approval. One important note: This card is not available to sole proprietors, which excludes the majority of businesses. Learn more and apply.Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best for: No-fee business travel card
NerdWallet star rating:
4.2
The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.Brex Card
Best for: Corporate credit card for venture-backed startups
NerdWallet star rating:
5
The
Brex Card
doesn't require a personal credit check and business owners can apply with an EIN only. There's also no personal guarantee. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. The Brex card also offers a decent welcome bonus, earns ongoing rewards and offers direct integration with popular accounting and bookkeeping software. Learn more and apply. To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page. To view rates and fees of The Blue Business® Plus Credit Card from American Express
, see this page.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.
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.
🤓 Nerdy Tip
The annual fee on your business credit card can be a tax-deductible expense if you use the card exclusively for business purposes.If you want a cash-back business credit card, for example, choosing an option with no annual fee often makes the most sense. You can earn top-rate rewards and a solid welcome bonus without shelling out for an annual charge.
Eyeing a travel card? Most of the best business travel cards have an annual fee of $95 or higher. But you can easily recoup that cost with the rewards you earn.
The
Ink Business Preferred® Credit Card
, for example, has an annual fee of $95
. The card also has a massive 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 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 worth $187.50 in travel booked through Chase.
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.Last updated on
Methodology
NerdWallet's Credit Cards team selects the best credit cards for small businesses based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn how NerdWallet rates credit cards.
Frequently Asked Questions
No. Cash back business cards typically don’t have an annual fee. The same is true for many corporate cards and secured business credit cards.
Hotel and airline credit cards, on the other hand, almost always have an annual fee. As do many business travel cards. But these cards often offer lucrative rewards, like free hotel stays and airline credits, which helps offset the cost of the annual fee.
