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 cost nothing to hold on to (provided you don’t carry a balance), and many reward your business spending with cash back or even travel rewards.
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.
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 cost nothing to hold on to (provided you don’t carry a balance), and many reward your business spending with cash back or even travel rewards.
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.
Here are the best no annual fee business credit cards from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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 | $900 | 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 | $900 | 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 | 3.7/5 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 | 3.6/5 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 | 5.0/5 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 | 4.9/5 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 | 4.6/5 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 | 3.8/5 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 | 4.0/5 Best for Corporate credit card | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
Brex Card Apply now on Brex's website | 3.2/5 Best for Corporate credit card | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn 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 | $900 | 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 | $900 | 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 | 3.7/5 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 | 3.6/5 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 | 5.0/5 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 | 4.9/5 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 | 4.6/5 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 | 3.8/5 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 | 4.0/5 Best for Corporate credit card | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
Brex Card Apply now on Brex's website | 3.2/5 Best for Corporate credit card | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
I'M INTERESTED IN:
Our pick for
Welcome bonus + cash back rewards (1.5%)
Ink Business Unlimited® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
This
Ink Business Unlimited® Credit Card
is a simple, solid cash back card with a big-time bonus offer for new cardholders. Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
This
Ink Business Unlimited® Credit Card
is a simple, solid cash back card with a big-time bonus offer for new cardholders. Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Welcome bonus + cash back bonus categories (up to 5%)
Ink Business Cash® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
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.Annual fee
$0
Rewards rate
1%-5% Cashback
Intro offer
$900
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.Pros
- No annual fee
- Intro APR period
- New cardholder bonus offer
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Spending caps on bonus rewards
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
No-fee business travel card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
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
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.Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Flexible cash back bonus categories (up to 3%)
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Read Review
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 richest 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
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 richest rewards: gas stations (default category); office supply stores; travel; TV, telecom and wireless; computer services; and business consulting services.Pros
- No annual fee
- High rewards rate
- New cardholder bonus offer
- Rotating bonus categories
Cons
- Requires excellent credit
- Complicated rewards
- Foreign transaction fee
- Spending caps on bonus rewards
- Best rewards limited to certain customers
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Intro APR period + flat-rate cash back rewards (2%)
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus offer.Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The American Express Blue Business Cash™ Card
shines with one of the better 0% intro periods among business cards, plus a strong rewards rate and welcome bonus offer.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Flexible rewards redemption (cash back or travel)
The Blue Business® Plus Credit Card from American Express
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.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.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
0% intro APR on purchases + balance transfers
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
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®
, including its extra-long intro APR period that applies to purchases and balance transfers. 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®
, including its extra-long intro APR period that applies to purchases and balance transfers. Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Flat-rate cash back rewards (1.5%)
Capital One Spark Cash Select for Excellent Credit
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.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.Pros
- No annual fee
- High rewards rate
- No reward caps
Cons
- Requires good/excellent credit
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
View Rates & Fees
Our pick for
Business owners with fair/average credit
Capital on Tap Business Credit Card
Read Review
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. 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. Pros
- Earn unlimited 1.5% cash back on all purchases
- Apply without a hard credit check
- 24/7 customer service
Cons
- Not available to sole proprietors, charities or nonprofits
- Must enroll in automatic payments
- 1.5% rewards on all spend, no caps or restrictions
- Earn $200 cashback when you spend $15,000 in the first 3 months.
- $0 annual fee
- No foreign exchange fees
- Applying has no impact on credit score
- APRs range from 18.49% to 35.99% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
Our picks for
Corporate credit card
Ramp Card
Read Review
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 eyeing a corporate credit card.
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 eyeing a corporate credit card.
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $75,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Brex Card
Read Review
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). 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). Pros
- No annual fee
- New cardholder bonus offer
- Qualify with limited/bad credit
- Bonus categories
- No foreign transaction fees
- No personal guarantee
Cons