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Best No Annual Fee Business Credit Cards of April 2024

There is no cost to carry these small-business credit cards.
By Kelsey Sheehy
Last updated on April 19, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 6 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.
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.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best no annual fee business credit cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Welcome bonus + cash-back rewards (1.5%)

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Welcome bonus + cash-back bonus categories (up to 5%)

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

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

Apply now

on Bank of America's website

3.8/5

Best for No-fee business travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

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

Apply now

on Bank of America's website

4.1/5

Best for Flexible cash-back bonus categories (up to 3%)

$0

1%-3%

Cashback

$300

Apply now

on Bank of America's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Intro APR period + flat-rate cash-back rewards (2%)

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Flexible rewards redemption (cash back or travel)

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 0% intro APR on purchases + balance transfers

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Flat-rate cash-back rewards (1.5%)

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Business owners with fair/average credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate credit card + flat-rate cash-back rewards (1.5%)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Corporate credit card for venture-backed businesses

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5

Best for Welcome bonus + cash-back rewards (1.5%)

$0

1.5%

Cashback

$750

Apply now

on Chase's website

Ink Business Cash® Credit Card

Apply now

on Chase's website

5.0/5

Best for Welcome bonus + cash-back bonus categories (up to 5%)

$0

1%-5%

Cashback

$350

Apply now

on Chase's website

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

Apply now

on Bank of America's website

3.8/5

Best for No-fee business travel card

$0

1.5x

Points

30,000

Points

Apply now

on Bank of America's website

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

Apply now

on Bank of America's website

4.1/5

Best for Flexible cash-back bonus categories (up to 3%)

$0

1%-3%

Cashback

$300

Apply now

on Bank of America's website

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Intro APR period + flat-rate cash-back rewards (2%)

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Flexible rewards redemption (cash back or travel)

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Rates & Fees

5.0/5

Best for 0% intro APR on purchases + balance transfers

$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Rates & Fees

5.0/5

Best for Flat-rate cash-back rewards (1.5%)

$0

1.5%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

3.9/5

Best for Business owners with fair/average credit

$0

1.5%

$200

Apply now

on Capital on Tap's website

Ramp Card

Apply now

on Ramp's website

3.7/5

Best for Corporate credit card + flat-rate cash-back rewards (1.5%)

$0

1.5%

Cashback

N/A

Apply now

on Ramp's website

Brex Card

Apply now

on Brex's website

3.1/5

Best for Corporate credit card for venture-backed businesses

$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Discover business products tailored to your needs

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I'M INTERESTED IN:

Our pick for

Welcome bonus + cash-back rewards (1.5%)

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
This
Ink Business Unlimited® Credit Card
is a simple, solid cash back card with a big-time bonus offer for new cardholders.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

Welcome bonus + cash-back bonus categories (up to 5%)

Ink Business Cash® Credit Card

Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350
The
Ink Business Cash® Credit Card
offers the same big sign-up bonus as the Ink Business Unlimited but offers a higher cash back rate on certain bonus categories.

Ink Business Cash® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$350

Our pick for

No-fee business travel card

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

Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
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.

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

NerdWallet rating 

3.8/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points

Our pick for

Flexible cash-back bonus categories (up to 3%)

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

Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300
The
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
lets you pick where you earn the biggest rewards: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; and business consulting services.

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

NerdWallet rating 

4.1/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$300

Our pick for

Intro APR period + flat-rate cash-back rewards (2%)

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The American Express Blue Business Cash™ Card
offers one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Flexible rewards redemption (cash back or travel)

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
This card has the same bonus, intro APR offer and rewards rate as
The American Express Blue Business Cash™ Card
, but
The Blue Business® Plus Credit Card from American Express
earns AmEx Membership Rewards points, which can be redeemed for travel or as a statement credit.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

0% intro APR on purchases + balance transfers

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
There's a lot to like about the
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
, especially its extra-long intro APR period that applies to purchases and balance transfers.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

Our pick for

Flat-rate cash-back rewards (1.5%)

Capital One Spark Cash Select for Excellent Credit

Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750
The
Capital One Spark Cash Select for Excellent Credit
offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.

Capital One Spark Cash Select for Excellent Credit

NerdWallet rating 

5.0/5
Apply now

on Capital One's website

Annual fee
$0
Rewards rate
1.5%-5% Cashback
Intro offer
$750

Our pick for

Business owners with fair/average credit

Capital on Tap Business Credit Card

Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200
The
Capital on Tap Business Credit Card
is one of the few quality cards available to business owners with fair or "average" personal credit (a FICO score between 630-689). The card earns
1.5%
cash back on all purchases, has no annual fee and offers the potential for a low APR.

Capital on Tap Business Credit Card

NerdWallet rating 

3.9/5
Apply now

on Capital on Tap's website

Annual fee
$0
Rewards rate
1.5%
Intro offer
$200

Our pick for

Corporate credit card + flat-rate cash-back rewards (1.5%)

Ramp Card

Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
No credit check or personal guarantee, plus unlimited cash back and several business-friendly tools, make Ramp a solid option for business owners seeking a corporate credit card.

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

Our pick for

Corporate credit card for venture-backed businesses

Brex Card

Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
The
Brex Card
has no personal guarantee and you can apply with an EIN only, provided you meet revenue requirements. If approved, you can earn a welcome bonus and up to 7x rewards (terms apply).

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

NerdWallet's editorial picks: Best no annual fee business credit cards

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:
5

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:
5
If your business's spending matches the bonus categories on the
Ink Business Cash® Credit Card
, you can rack up some serious cash back. (I