Best No Annual Fee Business Credit Cards of April 2026
No annual fee business credit cards are free to carry. But the best ones put extra cash in your pocket. We looked at more than 60 no-fee options. Here are our top picks.
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Best no annual fee business credit cards
Here are our complete picks, in alphabetical order:
- 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 travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best for bad credit.
- BILL Divvy Corporate Card: Best for corporate spend and expense management.
- Brex Card: Best corporate card (no personal guarantee).
- Capital on Tap Business Credit Card: Best for soft credit pull.
- Capital One Spark Cash Select: Best for flat-rate cash-back rewards (1.5%) (see
- Capital One® Spark® Classic for Business: Best for fair credit.
- 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%).
- The American Express Blue Business Cash™ Card: Best for new businesses.
- The Blue Business® Plus Credit Card from American Express: Best for AmEx membership points.
- 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 unlimited 2% cash back.
You can apply for the cards highlighted below via NerdWallet's partners. Those relationships do not influence our editorial team's selections. Our small-business writers and editors chose the best business credit cards with no annual fee based on their independent research and ratings.
Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Welcome bonus + cash-back rewards (1.5%)
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The American Express Blue Business Cash™ Card
Best for New businesses
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
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 AmEx membership points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
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
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
$750
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%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
Ink Business Cash® Credit Card
Best for Businesses setting up an office
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
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
50,000
Points
on Bank of America's website
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for Flexible cash-back bonus categories (up to 3%)
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$500
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
Capital on Tap Business Credit Card
Best for Soft credit pull
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
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
BILL Divvy Corporate Card
Best for Corporate spend and expense management
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
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
Brex Card
Best for Corporate card (no personal guarantee)
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
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
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- No Annual Fee
- 0% intro APR
- Excellent (720+)
- Good (690+)
- Fair (630+)
- Bad (<629)
- No credit check
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Nerdwallet best-of awards
2026 BEST CREDIT CARD SMALL BUSINESS
Ink Business Unlimited® Credit Card
Best for Welcome bonus + cash-back rewards (1.5%)
Annual fee
$0
Rewards rate
1.5%-5%
Cashback
Intro offer
$750
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This Ink Business Unlimited® Credit Card is a simple, solid cash back card with a big-time bonus offer for new cardholders.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
This Ink Business Unlimited® Credit Card is a simple, solid cash back card with a big-time bonus offer for new cardholders.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
The American Express Blue Business Cash™ Card
Best for New businesses
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
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 offers one of the better intro APR periods among business cards, plus a strong rewards rate and welcome bonus.
- 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, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
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 offers one of the better intro APR periods among business cards, plus a strong rewards rate and welcome bonus.
- 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, 16.74% - 26.74%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
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 AmEx membership points
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
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
This card has the same 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. Other AmEx cards can net you more of those — but not without paying an annual fee.
- 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, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
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
This card has the same 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. Other AmEx cards can net you more of those — but not without paying an annual fee.
- 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, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
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
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
$750
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
The Capital One Spark Cash Select offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.
- 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 Business 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
- Top rated mobile app
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
The Capital One Spark Cash Select offers a generous, attainable sign-up bonus, no annual fee and flat-rate cash-back rewards.
- 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 Business 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
- Top rated mobile app
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%-5%
Cashback
Intro offer
$750
on U.S. Bank's website
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
There's a lot to like about the U.S. Bank Triple Cash Rewards Visa® Business Card, especially its elevated, uncapped cash-back rates on common business expenses like gas and office supplies.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
There's a lot to like about the U.S. Bank Triple Cash Rewards Visa® Business Card, especially its elevated, uncapped cash-back rates on common business expenses like gas and office supplies.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Rates & Fees
Pros
- High cash-back bonus rate
- No cap on bonus rewards
- Intro APR period on purchases and balance transfers
- 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
Ink Business Cash® Credit Card
Best for Businesses setting up an office
Annual fee
$0
Rewards rate
1%-5%
Cashback
Intro offer
$750
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 Ink Business Cash® Credit Card offers the same overall sign-up bonus as the Ink Business Unlimited® Credit Card. This card also offers greater cash back on certain bonus categories, including a top-notch rate on office supplies.
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
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 Ink Business Cash® Credit Card offers the same overall sign-up bonus as the Ink Business Unlimited® Credit Card. This card also offers greater cash back on certain bonus categories, including a top-notch rate on office supplies.
- Earn $750 when you spend $6,000 on purchases in the first three 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Complimentary three-month lnstacart+ membership.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
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
Wells Fargo Signify Business Cash® Card
Best for Unlimited 2% cash back
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$500
on Wells Fargo's website
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
This is the only major business credit card with unlimited 2% cash rewards on purchases and no annual fee. There's also a long intro APR period and a solid welcome offer.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
This is the only major business credit card with unlimited 2% cash rewards on purchases and no annual fee. There's also a long intro APR period and a solid welcome offer.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Rates & Fees
Pros
- High rewards rate
- No annual fee
- Intro APR period
- No reward caps
Cons
- No bonus categories
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
50,000
Points
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
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.
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
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
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.
- 50,000 Online Bonus Points Offer: Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend, 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 our highest Preferred Rewards for Business 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.
- Redeem points for a statement credit to offset travel and dining purchases, and for travel when booked through the Bank of America® Travel Center.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Best for Flexible cash-back bonus categories (up to 3%)
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$500
on Bank of America's website
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
The 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.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- 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 our highest Preferred Rewards for Business 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 eligible 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 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
The 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.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 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 (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- 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 our highest Preferred Rewards for Business 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 eligible 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 7 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.74% to 26.74% 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.
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
Capital on Tap Business Credit Card
Best for Soft credit pull
Annual fee
$0
Rewards rate
1.5%
Intro offer
N/A
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 will perform a soft credit pull when you apply. That makes the Capital on Tap Business Credit Card issued by WebBank a rarity. You can vet any credit line Capital on Tap offers you (in terms of limit and APR) without it affecting your personal credit.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
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 will perform a soft credit pull when you apply. That makes the Capital on Tap Business Credit Card issued by WebBank a rarity. You can vet any credit line Capital on Tap offers you (in terms of limit and APR) without it affecting your personal credit.
- 1.5% rewards on all spend, no caps or restrictions
- $0 annual fee
- No foreign exchange fees
- APRs range from 17.24%-79.74% variable
- Unlimited cards for your employees
- Capital on Tap Business Credit Cards are issued by WebBank
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
BILL Divvy Corporate Card
Best for Corporate spend and expense management
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
N/A
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
This no-annual-fee corporate card has a robust expense management platform built into the card, making it easier for business owners to track and manage cash flow. It's also one of the most accessible corporate cards for business owners, as it's available to sole proprietors and has a relatively low capital requirement. While this corporate card does require a personal credit check, it's only a soft pull and won't ding your FICO score. And you can qualify with a personal credit score of 650 or higher, provided you meet other requirements.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
This no-annual-fee corporate card has a robust expense management platform built into the card, making it easier for business owners to track and manage cash flow. It's also one of the most accessible corporate cards for business owners, as it's available to sole proprietors and has a relatively low capital requirement. While this corporate card does require a personal credit check, it's only a soft pull and won't ding your FICO score. And you can qualify with a personal credit score of 650 or higher, provided you meet other requirements.
- Earn up to 7x rewards on restaurants and 5x on hotels with weekly billing. Terms apply.
- Credit lines up to $15 million but based on revenue, cash balance, business history and personal and business credit score.
- No annual fee or foreign transaction fees.
- Unlimited free virtual cards.
- Spend management platform allows business owners to easily set and adjust individual and team budgets.
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
Brex Card
Best for Corporate card (no personal guarantee)
Annual fee
$0
Rewards rate
1x-7x
Points
Intro offer
10,000
Points
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
This corporate charge card has no annual fee, earns up to 7X points and offers steep discounts on popular business tools. There's also no personal guarantee or credit check required. But Brex has other prerequisites, including capital and revenue requirements, and is only available to incorporated businesses.
- 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.
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
This corporate charge card has no annual fee, earns up to 7X points and offers steep discounts on popular business tools. There's also no personal guarantee or credit check required. But Brex has other prerequisites, including capital and revenue requirements, and is only available to incorporated businesses.
- 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.
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
Jump to
Other top business credit cards with no annual fee
How we choose the best no annual fee business credit cards
What no annual fee business credit cards we consider
What rewards do no annual fee business cards offer?
What other benefits do no annual fee business cards include?
How do no annual fee and fee-based business cards differ?
Are there no-fee business credit cards?
Who can get a no annual fee business credit card?
Should you get a business credit card with no annual fee?
What about getting multiple no-fee business cards?
How to calculate if rewards outweigh an annual fee
Table of contents
- Other top business credit cards with no annual fee
- How we choose the best no annual fee business credit cards
- What no annual fee business credit cards we consider
- What rewards do no annual fee business cards offer?
- What other benefits do no annual fee business cards include?
- How do no annual fee and fee-based business cards differ?
- Are there no-fee business credit cards?
- Who can get a no annual fee business credit card?
- Should you get a business credit card with no annual fee?
- What about getting multiple no-fee business cards?
- How to calculate if rewards outweigh an annual fee
Other top business credit cards with no annual fee
These business credit cards aren't available through NerdWallet. Our editorial team would still recommend them.
This is one of the best business cards for bad credit. With no annual fee, this card let you establish a business trade line without having to pay to do so.
Bank of America
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
NerdWallet Rating
4.4
Annual Fee
$0
This card is currently not available to apply for through NerdWallet.
Most business credit cards require at least good personal credit (a FICO score above 690). The Capital One® Spark® Classic for Business is an exception. Business owners with fair credit (FICO scores between 630 and 689) may qualify. You won't get great rewards with this card. But it can let you tap into an unsecured credit line without paying an annual fee.
This card is currently not available to apply for through NerdWallet.
How we choose the best no annual fee business credit cards
NerdWallet's editorial team has looked at almost 70 business credit cards in 2025. For this page, we eliminated any that charged an annual fee. Some cards waive this fee your first year or if you meet a spending threshold. These weren't eligible either. We wanted options that are always free for business owners to carry.
From there, our writers and editors evaluated the remaining cards. We looked at more than a dozen factors to do this, including:
- Welcome bonus.
- Base reward rate.
- Bonus category reward rates.
- Intro APR period.
Use our star ratings as a guide. We certainly consider some business cards to be more valuable overall than others. But since these all have no annual fee, it's hard to not get your money's worth.
Business cards that earn 5 stars are considered exceptional. These cards are best-in-class and deliver the most value for the greatest number of business owners.
Business cards that earn 4.0 to 4.9 stars are good to excellent. They deliver excellent value and might be the best choice for certain businesses, depending on your needs and spending habits.
Business cards that earn 3.0 to 3.9 stars are fine business cards. You'll get some value out of using them, to be sure, but there are other cards that offer better rewards.
Business cards that earn below 3 stars are considered subpar and would generally not be recommended by NerdWallet.
What no annual fee business credit cards we consider
Our editorial team focuses on business credit cards widely available to business owners. Most major issuers have at least one card with no annual fee. Often, they have more than that. (Almost all Bank of America business credit cards have no annual fee, for instance.)
We do research niche cards. But our writers and editors may not fully evaluate these options because of their more limited availability. A regional business card may make sense for you. Jump to how to compare no annual fee cards to find the right fit.
Our team has covered or considered the following no annual fee business cards in 2025 (listed alphabetically by name):
A
Amazon Business American Express Card. Amazon Business Prime American Express Card. American Express® Blue Business Cash Card. American Express Blue for Business Plus. AtoB Unlimited Fuel Card.
B
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card. Bank of America Platinum Plus for Business. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card. Bank of America® Business Advantage Travel Rewards World Mastercard® credit card. BILL Divvy Corporate Card. BILL Divvy Reserve Card. Brex Card.
C
Capital on Tap Business Credit Card. Capital One Spark Cash Select. Capital One® Spark® Classic for Business. Capital One® Spark® Miles Select for Business. Charity Charge Nonprofit Business Card. Charity Charge Nonprofit Secured Business Card. Chase Ink Cash. Chase Ink Business Unlimited. Coast Fleet Card. Corpay World Elite Mastercard®. Costco Anywhere Visa® Business Card by Citi.
D
Devote Visa® Commercial Credit card.
E
Edward Jones Business Plus Mastercard®. Expensify Visa® Commercial Card.
F
FairFigure Card. First Citizens Bank Low-Interest Business Credit Card. First Citizens Premium Rewards Business Card. First Entertainment Visa Platinum Business Card. Fuelman Mixed Fleet Card.
H
Hello Alice Small Business Secured Mastercard®. Huntington Voice Business Credit Card℠.
I
IO Card.
L
Lili BusinessBuild Card.
M
M&T Bank Business Credit Card. Metro Business Builder Visa Credit Card.
N
Navy Federal Go Biz Rewards credit card.
P
Pacific Premier Bank Business Edition Secured Visa Card. PNC Visa® Business Credit Card.
R
Ramp Card. Revenued Business Card Visa Commercial Credit Card. Rho Corporate Card. Rippling Corporate Card.
S
Security Service Power Business MasterCard®. Shell Small Business Card. Shopify Credit. Square Credit Card. State Farm Business Cash Rewards Visa Signature® Card. Stripe Corporate Card. Suncoast Credit Union Business Secured Visa.
T
TD Business Solutions Credit Card. Truist Business Card. Truist Business Cash Rewards Card.
U
U.S. Bank Business Platinum Card. U.S. Bank Commercial Rewards Card. U.S. Bank Triple Cash Rewards Visa® Business Card. UBS Cash Rewards Card. Umpqua Bank Visa Business Card.
V
Valley Bank Visa® Secured Business Credit Card.
W
Wells Fargo Signify Business Cash® Card. WEX Fleet FlexCard.
What rewards do no annual fee business cards offer?
Most no annual fee business cards offer cash-back rewards. That means they give you a percentage back for every dollar you spend.
For instance, the Chase Ink Business Unlimited offers unlimited 1.5% cash back on each purchase. Spend $1,000 and you'll get $15 in rewards. Other cards vary cash-back rates by purchase — like 3% at gas stations, but 1% elsewhere.
Some cash-back business cards have annual fees. But you can get an excellent card without one. That may not be the case if you want rewards like points or miles.
Many of the best business travel cards charge annual fees. These costs may be hundreds of dollars. (The American Express Business Platinum is the most expensive we cover at $895. Terms apply.)
🤓
You can deduct the annual fee on your business credit card if you use the card exclusively for business purposes. (Which you should.) Nerdy Tip
What other benefits do no annual fee business cards include?
You can extract a lot of value from a no annual fee business card. For example, it's common for these cards to include an intro APR period. This can let you avoid interest on new purchases (and potentially, balance transfers) for a set period of time.
Among our top picks, the following currently have such offers:
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card.
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card.
- Ink Business Cash® Credit Card.
- Ink Business Unlimited® Credit Card.
- The American Express Blue Business Cash™ Card.
- The Blue Business® Plus Credit Card from American Express.
- U.S. Bank Triple Cash Rewards Visa® Business Card.
- Wells Fargo Signify Business Cash® Card.
Learn more about the best business credit cards with 0% intro APRs.
All the cards above also include welcome bonuses. The Brex Card does, too. Issuers provide non-monetary features as well. Employee cards, fraud alerts and purchase protection are common among all business cards. They don't depend on whether you pay a fee or not.
How do no annual fee and fee-based business cards differ?
Simply put, business cards with annual fees include more stuff. Issuers aim to justify the cost by amping up a card's overall "value" with things like:
- Higher reward rates.
- Bigger welcome bonuses.
- Statement credits for purchases with certain vendors (Google, Dell, Indeed, etc.).
- Automatic elite status with hotels or car rental companies.
- Airport lounge access.
Of course, such extras may or may not help your business. Things that definitely would? Paying a fee won't improve those.
For instance, fee-based cards don't have higher credit limits or better APRs by default. You won't necessarily get a longer intro APR period or better security features either.
Are there no-fee business credit cards?
A no-fee business card may refer to a business credit card without an annual fee. But even these cards still have other costs, like:
- Interest charges. You'll owe the ongoing APR on any balance you carry month-to-month. Corporate cards may not charge interest. But that's because you have to pay in full each billing cycle.
- Foreign transaction fees. Most no annual fee business cards have these for overseas purchases. Notable exceptions are the Capital One Spark Cash Select (see
- Balance transfer fees. You'll have to pay if you want to consolidate debt. Here are our picks for the best balance transfer cards for business owners.
- Cash advance fees. These short-term loans are notoriously expensive. You'll pay a fee, like the greater of $15 or 5% of the advance amount. Plus, your advances may have a higher APR than your outstanding balance.
- Penalty fees. These include charges for things like paying late or having a payment returned to you.
Consider how you'll use your card to determine the right fit. Ultimately, paying a higher APR or more in foreign transaction fees can make a no annual fee card more expensive than other options.
Who can get a no annual fee business credit card?
Most business credit cards require at least good personal credit to qualify. That's typically a FICO score starting at 690. No annual fee options aren't an exception to that rule. But there are a couple options (the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card and Capital One® Spark® Classic for Business) we'd recommend if your credit score is lower.
Your business performance matters less for approvals. You may be eligible even if you have little revenue or are just starting out. In fact, no annual fee options are great cards for new businesses. There's no point paying a fee until you're positive the rewards outweigh that cost. That may not happen until you're fully up and running.
Should you get a business credit card with no annual fee?
There's little downside to getting a business credit card with no annual fee. The question is more about their upside — especially if you want to maximize rewards. In some cases, you can earn more with a card with a higher annual fee.
For instance, consider the Capital One Spark Cash Select vs. the Capital One Spark Cash.
The Capital One Spark Cash Select has a $0 annual fee and earns unlimited 1.5% cash back (see ). The annual fee on the Capital One Spark Cash, on the other hand, is $0 intro for the first year, then $95. But it earns 2% cash back (see ).
The Capital One Spark Cash Select is the better deal if you spend less than $19,000 on it annually. Once you cross that line, you'll earn more from the Capital One Spark Cash — even with its $95 fee.
What about getting multiple no-fee business cards?
Using more than one business card can make sense if you want to maximize rewards. Issuers may even encourage this with complementary no-annual-fee options.
For example, the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card earns flat-rate cash back on everything. And the Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card elevates rewards for certain purchases, like those at gas stations. You could use that card for its bonus category, then the other for everything else. Neither has an annual fee.
Business owners may not want to juggle cards. But the benefits to having multiple business cards extend beyond rewards. More cards means more capital, for instance.
How to calculate if rewards outweigh an annual fee
Finding the break-even point can help you determine if a card's rewards outweigh its fee. In other words, this will tell you how much you need to spend before you start making a "profit."
You can calculate a break-even point by dividing a card's annual fee by its rewards rate. For instance, 95 divided by 0.02 is 4,750. So, after you spend $4,750 on a card with a $95 annual fee and 2% rewards rate, you'd come out ahead. Spend less than $4,750, and that fee likely isn't worth it for you.
Such calculations are often most useful when comparing cards. Use the calculator below to find out when a no annual fee card is — and isn't — a better deal based on reward rate and spending. Keep in mind that perks like welcome bonuses can change this math.
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 Capital One® Spark® Classic for Business has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
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.
Methodology
NerdWallet's writers and editors monitor more than 70 business credit cards to select the best options 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).
We consider more than 20 data points for each card we score, including detailed information about rewards, credits and fees. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we added a small deduction for cards that don’t allow users to issue virtual cards and removed the small increase for cards with no preset spending limit.
Final star ratings range from one to five stars. A five-star score represents the best available product for the largest number of business owners. Learn how NerdWallet rates small-business credit cards.