No annual fee business credit cards are free to carry, and the best options put extra cash in your pocket with rewards and perks like an intro APR period. Since they have no fee, using more than one of these business credit cards can maximize your rewards — for instance, by combining a flat-rate cash-back card and one with bonus categories that fit your spending.
Best business credit cards with no annual fee
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000 annually.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for flexible cash-back bonus categories (up to 3%).
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best no-fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best secured business credit card.
- BILL Divvy Corporate Card: Best for corporate spend and expense management.
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemption (cash back or travel).
- Brex Card: Best for corporate card with no personal guarantee.
- Capital on Tap Business Credit Card: Best for business owners with fair/average credit.
- Capital One Spark Cash Select: Best for flat-rate cash-back rewards (1.5%).
- Ink Business Cash® Credit Card: Best for businesses setting up an office.
- Ink Business Unlimited® Credit Card: Best for welcome bonus + cash-back rewards (1.5%).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 3% cash back on gas and other business essentials.
- Wells Fargo Signify Business Cash℠ Card: Best for cash-back rewards (2%).
While all of our picks for no annual fee business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
No annual fee business credit cards are free to carry, and the best options put extra cash in your pocket with rewards and perks like an intro APR period. Since they have no fee, using more than one of these business credit cards can maximize your rewards — for instance, by combining a flat-rate cash-back card and one with bonus categories that fit your spending.
Best business credit cards with no annual fee
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000 annually.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for flexible cash-back bonus categories (up to 3%).
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best no-fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best secured business credit card.
- BILL Divvy Corporate Card: Best for corporate spend and expense management.
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemption (cash back or travel).
- Brex Card: Best for corporate card with no personal guarantee.
- Capital on Tap Business Credit Card: Best for business owners with fair/average credit.
- Capital One Spark Cash Select: Best for flat-rate cash-back rewards (1.5%).
- Ink Business Cash® Credit Card: Best for businesses setting up an office.
- Ink Business Unlimited® Credit Card: Best for welcome bonus + cash-back rewards (1.5%).
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 3% cash back on gas and other business essentials.
- Wells Fargo Signify Business Cash℠ Card: Best for cash-back rewards (2%).
While all of our picks for no annual fee business credit cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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Here are the best no annual fee business credit cards
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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 Businesses setting up an office
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
The American Express Blue Business Cash™ Card
Best for New businesses spending less than $50,000 annually
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 New businesses spending less than $50,000 annually
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
1.5%-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
U.S. Bank Triple Cash Rewards Visa® Business Card
Best for 3% cash back on gas and other business essentials
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 3% cash back on gas and other business essentials
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
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
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 card (no personal guarantee)
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
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
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
Apply now
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
BILL Divvy Corporate Card
Best for Corporate spend and expense management
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
Apply now
on BILL Spend & Expense's website
Pros
- No annual fee
- Card-level spending controls
- No personal guarantee
- Available to sole proprietors
Cons
- Complicated rewards structure with limits on redemption
- Rewards rate varies depending on user activity
Before applying, confirm details on the issuer’s website.
Wells Fargo Signify Business Cash℠ Card
Best for: Cash-back rewards (2%)
NerdWallet star rating: 5
Among big-name card issuers, the Wells Fargo Signify Business Cash℠ Card is the only no-annual-fee business credit card to offer all business owners unlimited 2% back on all purchases. Combine that high rewards rate with a long intro APR period and a competitive welcome offer — earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first three months — and you have a top-notch card that is unmatched on simplicity and ongoing value. Note: You need to have a Wells Fargo checking or savings account to apply for the Wells Fargo Signify Business Cash℠ Card. Other applicants need to visit a branch location. Read our full review.
- Welcome offer:Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
- Rewards: Unlimited2%cash back on purchases.
- Annual fee: $0.
- Intro APR period: 0% intro APR for 12 months from account opening on purchases, then17.49%-25.49% Variable APR.
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.
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 huge 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 the first $150,000 of combined spending in the following areas: 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.🤓 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.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.The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on April 15, 2025
Methodology
NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business 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.
