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.
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 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.
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 | $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 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 | $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
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
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. 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. Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 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
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.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.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 $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
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
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
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.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
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.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.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
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.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®
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. 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. 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
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.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
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
- 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
- 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 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.
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.
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.
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). 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
- Complicated rewards structure
- High capital requirement for approval
- Daily repayment may be required
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.
- Credit limits 10-20x higher than traditional small business corporate cards.
- Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.
- Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.
- Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.
- Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
- Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.
- 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.
- Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.
- Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.
- Contactless pay with Apple Pay, Google Pay, and Samsung Pay.
- Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.
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. (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 Business Triple Cash Rewards World Elite Mastercard®
Best for: 0% intro APR on purchases + balance transfers
NerdWallet star rating:
5
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
is a solid cash-back card for business owners. Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases
. Plus, the card offers a competitive welcome bonus and 0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR
— all with a $0
annual fee. Learn more and apply.Capital One Spark Cash Select for Excellent Credit
Best for: Flat-rate cash-back rewards (1.5%)
NerdWallet star rating:
5
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. (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:
4.9
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. 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:
4.6
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:
4.1
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:
3.9
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:
3.8
This is the business version of the issuer's excellent no-annual-fee travel card. 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.Ramp Card
Best for: Corporate credit card + flat-rate cash-back rewards (1.5%)
NerdWallet star rating:
3.7
The
Ramp Card
is easier to obtain than other corporate cards, which often require annual revenue in the millions. Ramp is available to incorporated businesses that have strong revenue and at least $75,000 in a business bank account. There's no personal guarantee or credit check. Plus, Ramp offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.Brex Card
Best for: Corporate credit card for venture-backed startups
NerdWallet star rating:
3.1
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 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.
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 April 16, 2024
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.
