Best Business Credit Cards With No Annual Fees
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Looking for an easy, inexpensive spending solution for your business? Credit cards offer a variety of valuable rewards and perks, plus benefits to help your business run more smoothly — like expense tracking tools, year-end summaries, and account alerts so you're never left in the dark. And with no annual fee, you'll never have to worry about making sure your card is worth the cost.
- High Cash Back Rates: Ink Business Cash® Credit Card (Review)
- Travel Rewards: The Blue Business® Plus Credit Card from American Express (Review)
- Flat-Rate Rewards: American Express Blue Business Cash™ Card (Review)
- 0% Introductory APR: U.S. Bank Business Platinum
- Fair Credit: Capital One Spark Classic for Business (Review)
- Bad Credit: Wells Fargo® Business Secured Credit Card
- Flexible Business Rewards: Bank of America® Business Advantage Customized Cash Rewards Credit Card (Review)
- No Personal Guarantee: Brex Daily Card (Review)
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to The Blue Business® Plus Credit Card from American Express, Capital One Spark Classic for Business, The Business Platinum Card® from American Express, American Express Blue Business Cash™ Card, U.S. Bank Business Platinum, Capital One Spark Miles Select for Business, and Capital One Spark Cash Select - $500 Cash Bonus have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
- High Cash Back Rates: Ink Business Cash® Credit Card (Review)
- Travel Rewards: The Blue Business® Plus Credit Card from American Express (Review)
- Flat-Rate Rewards: American Express Blue Business Cash™ Card (Review)
- 0% Introductory APR: U.S. Bank Business Platinum
- Fair Credit: Capital One Spark Classic for Business (Review)
- Bad Credit: Wells Fargo® Business Secured Credit Card
- Flexible Business Rewards: Bank of America® Business Advantage Customized Cash Rewards Credit Card (Review)
- No Personal Guarantee: Brex Daily Card (Review)
How We Picked These Cards
Aside from having no annual fee, of course, here are some of the qualities we looked for to give you the very best of the best.
- Good reward rates: Why earn 1% cash back when you can earn 2%? Or 5%? We’ve winnowed out the low offers to show you the best rates available.
- Introductory bonuses: They won’t seem like much for large businesses, but small businesses and sole proprietors could get a lot of value from a credit card signup bonus.
- Introductory interest rates: A card with a 0% intro APR for purchases and/or balance transfers can help you pay off some large expenses, before the regular variable APR kicks in.
- Perks and benefits: Rewards are great, but some business cards deliver their primary value through perks, like statement credits and discounts for popular business services.
- Business management tools and services: They’re not as exciting as rewards and perks, but some decent expense tracking and management tools can be very handy, especially around tax season.
- Solid customer support: Bad credit card customer support can be a nightmare, and you don’t want that touching your business. With the occasional exception, the major credit card issuers will usually treat you well.
Is a No Annual Fee Business Card Right for You?
Small business credit cards without annual fees can be quite valuable, giving you an easy way to manage your spending and take advantage of rewards and benefits. There could be no cost to you at all, as long as you avoid interest and other fees.
Cards without annual fees are less likely to stress you out, or make you feel like you need to use them. If you don’t happen to use a no annual fee card for a while, it won’t burn a hole in your pocket. (It may actually help out your credit.)
But really, the annual fee shouldn’t usually be a huge factor — if you’ll get enough out of the card, a fee could easily be worth it. And, since cards with annual fees tend to have better features, you may benefit much more from a card with a fee compared to one without.
Consider your options — including other great business cards — to see which would provide the most value for your business, after any associated costs.
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Frequently Asked Questions
Best Pick For...
- Min. credit levelExcellent
- Annual Fee$0
- Purchase APR0% Intro APR on Purchases for 12 months, then 13.24% - 19.24% Variable
- Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- 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
The Ink Business Cash® Credit Card (Review) is an easy favorite, with an excellent 5% cash back rate on some common business expenses. If you frequent office supply shops and pay for internet/phone services, this card should be on your radar.
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It’s made all the more appealing by the ability to transfer your rewards to other Chase Ultimate Rewards cards, like the Ink Business Preferred® Credit Card or Chase Sapphire Preferred® Card. From there you could redeem for a better value, potentially getting a 10% return on your spending, or more!
- Free employee cards
- Shop through Chase and Chase Offers: Earn extra cash back at select retailers with Shop through Chase or get discounts with Chase Offers.
- Shopping and travel protections: Purchase Protection, Extended Warranty Protection, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Service
- Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
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- Perks: $100 annual software credit, for services like QuickBooks and FreshBooks
- Purchase APR: 0% Intro APR for 15 billing cycles on purchases, then 13.99% - 22.99% Variable
- Annual fee: $0
Bank of America® Business Advantage Customized Cash Rewards Credit Card
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- Perks: Preferred Rewards for Business
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
- Min. credit levelGood
- Annual FeeNo annual fee
- Purchase APR0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
The Blue Business® Plus Credit Card from American Express is handy if you have a variety of spending, or tend to make purchases outside of typical credit card bonus categories. And the redemption options could be perfect for the avid traveler.
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2X points per dollar is good when it comes to non-category purchases, but it’s not too exciting. Thankfully you can kick things up a notch by transferring your points to airline and hotel partners, like Delta JetBlue, Hilton, and Marriott Bonvoy, where they could be worth 2 cents each or more.
- Amex Offers: Earn extra points and find discounts with a changing selection of merchants.
- Point transfer: To a variety of hotel and airline partners.
- Connect to QuickBooks: Enroll to automatically tag your card transactions with your QuickBooks categories.
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (Rates & Fees)
Capital One Spark Miles Select for Business
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- Purchase APR: 0% intro on purchases for 9 months, then 13.99% - 23.99% Variable
- No foreign transaction fee
- Annual fee: $0
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24%
- No foreign transaction fee
- Annual fee: $0.00
Bank of America® Business Advantage Customized Cash Rewards Credit Card
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- Perks: Preferred Rewards for Business
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
The information related to The Blue Business® Plus Credit Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelGood
- Annual FeeNo annual fee
- Purchase APR0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
Sometimes you just want a simple, hassle-free way to make business purchases and earn some rewards. No fancy redemptions, no time spent transferring points and looking for the best travel deals.
The American Express Blue Business Cash™ Card might be just what you’re looking for; with easy rewards and and automatic cash back redemptions, you’ll hardly need to give it a second thought.
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There are other 2% business cards, like the Capital One Spark Cash Plus, but they typically have annual fees (check out our favorite cash back business cards for a few other options).
- Amex Offers: Earn extra cash back and find discounts with a changing selection of merchants.
- Lowest Hotel Rates Guarantee: Valid for qualifying prepaid hotels booked with Amex Travel
- Connect to QuickBooks: Enroll to automatically tag your card transactions with your QuickBooks categories.
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
American Express Blue Business Cash™ Card (Rates & Fees)
Ink Business Unlimited® Credit Card
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- Perks: Shop through Chase and Chase Offers; Free employee cards
- Shopping and travel protections: Purchase Protection; Extended Warranty Protection; Roadside Dispatch; Auto Rental Collision Damage Waiver; Baggage Delay Insurance; Lost Luggage Reimbursement; Travel Accident Insurance; Travel and Emergency Assistance Services
- Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
Capital One Spark Cash Select – $500 Cash Bonus
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- Purchase APR: None for None, then 13.24% - 19.24% (Variable)
- No foreign transaction fee
- Annual fee: $0
The Blue Business® Plus Credit Card from American Express
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- Perks: Amex Offers; Point transfer; Connect to QuickBooks
- Shopping and travel protections: Extended Warranty, Purchase Protection, Car Rental Loss and Damage Insurance, Global Assist Hotline
- Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
- Annual fee: No annual fee
Enrollment required for select benefits; terms and limitations apply.
The Blue Business® Plus Credit Card from American Express (Rates & Fees)
Enrollment required for select benefits; terms and limitations apply.
Bank of America® Business Advantage Unlimited Cash Rewards Card
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- Perks: Up to 75% more cash back for being a Bank of America Preferred Rewards for Business member
- Shopping and travel protections: Auto Rental Collision Damage Waiver; Travel Accident Insurance; Lost Luggage Assistance
- Purchase APR: 0% for 9 billing cycles, then 12.24%–22.24% Variable
- Annual fee: $0
Capital One Spark Miles Select for Business
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- Purchase APR: 0% intro on purchases for 9 months, then 13.99% - 23.99% Variable
- No foreign transaction fee
- Annual fee: $0
Discover it® Business Card
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- Perks: FICO Credit Scorecard; Cash at Checkout; Social Security number alerts; Credit inquiry alerts
- Purchase APR: See Terms for See Terms, then See Terms
- No foreign transaction fee
- Annual fee: $0
The information related to American Express Blue Business Cash™ Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Min. credit levelFair
- Annual Fee$0*
- Purchase APR0%* for 15 billing cycles on purchases, then 9.99%-17.99%* Variable
- 0% Intro APR* on purchases and balance transfers for the first 20 billing cycles. After that variable APR currently 9.99% – 17.99%*
- No annual fee*
- Free employee cards
- Zero fraud liability* protects you against unauthorized transactions
With extra-long intro periods for both purchases and balance transfers, the U.S. Bank Business Platinum gives you more time to pay off debt than any other business card.
Either pay off new business expenses — good for buying ads, or stocking up on merchandise — or use a balance transfer to pay off other credit cards at a lower rate. Just be sure to factor in the transfer fee.
- Purchase APR: 0%* for 15 billing cycles on purchases, then 9.99%-17.99%* Variable
- Balance Transfer APR: 0%* intro on BTs for 15 billing cycles on balance transfers*, then 9.99%-17.99%* Variable
- Balance Transfer fee: 3%
- Purchase APR: 0%* for 15 billing cycles on purchases, then 9.99%-17.99%* Variable
- Balance Transfer APR: 0%* intro on BTs for 15 billing cycles on balance transfers*, then 9.99%-17.99%* Variable
- Balance Transfer Fee: 3%
- Annual fee: $0*
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
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- Perks: $100 annual software credit, for services like QuickBooks and FreshBooks
- Purchase APR: 0% Intro APR for 15 billing cycles on purchases, then 13.99% - 22.99% Variable
- Annual fee: $0
Bank of America® Platinum Plus® Mastercard® Business Credit Card
- Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
- Annual fee: $0
Bank of America® Business Advantage Customized Cash Rewards Credit Card
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- Perks: Preferred Rewards for Business
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24%
- No foreign transaction fee
- Annual fee: $0.00
The information related to U.S. Bank Business Platinum has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Credit scores not quite where you’d like them to be? Don’t worry, you may still be able to qualify for some decent cards even if your credit history isn’t the best.
Consider the Capital One Spark Classic for Business, designed for business owners with fair credit. It’s not too fancy, as you’d expect, but cardholders can earn cash back rewards, distribute employee cards, and take advantage of some shopping and travel benefits.
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- Perks: Free employee cards; Quarterly and year-end summaries
- Shopping and travel protections: Purchase Security; Extended Warranty; Auto Rental Collision Damage Waiver; Travel and Emergency Assistance Services
- No foreign transaction fee
- Annual fee: $0
The information related to Capital One Spark Classic for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
- Up to 10 cards for you & employees
- Your choice of a cash back rewards program or a point rewards program
- More Bonus Points: When you shop online or in person at the Earn More Mall.
- Card Design Studio: Design your own card.
- No annual fee
There aren’t many business cards for bad credit; the Wells Fargo® Business Secured Credit Card is one of your only options, although it’s not too bad.
With simple rewards and some basic features, this card isn’t exactly a money maker. But it could be a convenient payment option and a route to building your credit. You’ll need to provide a security deposit of $500 to $25,000, and the amount you provide will determine your credit line.
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Take a look at personal secured credit cards for more options.
BBVA Compass Business Secured Visa Credit Card
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- Perks: Visa Savings Edge; Free employee cards
- Shopping and travel protections: Purchase Security, Extended Warranty Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, Travel and Emergency Assistance
- Annual fee: $40, $0 first year
- Security deposit: $500 minimum (credit limit is 90% of security deposit)
Business Edition® Secured Visa® Card
- Cell Phone Protection: Pay your cell phone bill with the card to receive coverage against damage and theft, with a $50 deductible.
- Visa Savings Edge: Get discounts at qualifying merchants.
- Business management features: Management reports to track expenses, monitor spending, and prepare tax filings
- Annual fee: $39
- Security deposit: $2,200–$110,000, subject to credit approval (security deposit is 110% of credit line)
Brex 30 Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- 30-day payment terms
- Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Expense management and receipt reconciliation tools
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
- $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
Brex Daily Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Daily payment terms
- Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Expense management and receipt reconciliation tools
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
- $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
Divvy Credit Card
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- Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
- No foreign transaction fee
- Annual fee: $0
Divvy Credit Builder
- Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
- No foreign transaction fee
- Annual fee: $0
Stripe Corporate Card
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- Perks: $5,000 in Amazon Web Services credits, three months of Basic Shopify for free, $436 in Zendesk credits per month for the first year, 40% off HubSpot for the first year, 50% off Expensify for six months, and more
- Annual fee: $0
- Available by invite only (you can request an invite)
- Min. credit levelExcellent
- Annual Fee$0.00
- Purchase APR0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don’t expire.
- Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
- You’ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 0% Introductory APR on purchases for your first 9 billing cycles.
- Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
- Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.
Stocking up on office supplies this month? Gearing up to travel the next?
Get a credit card with flexible bonus categories to meet your needs as they change throughout the year, like the Bank of America® Business Advantage Customized Cash Rewards Credit Card. You’ll be able to choose a 3% category each month, out of six common business expenses. And eligible Preferred Rewards for Business Platinum members can even get a 75% boost on all rewards.
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- Bank of America Preferred Rewards for Business: Get a 25%–75% bonus on all rewards if you have enough money in eligible BofA or Merrill Lynch bank accounts.
- Purchase APR: 0% for 9 billing cycles, then 12.24% - 22.24% Variable APR
- Annual fee: $0.00
- Min. credit levelEligibility determined by business financials
- Annual Fee$0
- Purchase APRNot Applicable - Paid in Full Daily
- Choose either Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- $5,000 in Amazon Web Services credit over a year
- $150 in Google Ads credit
- 5% rebate on Microsoft ad products
- 40% off your first 12 months of QuickBooks
- 25% off an annual Monday.com subscription
- No foreign transaction fee
- No annual fee
- Not available to consumers, sole proprietors, unregistered businesses, and other non-individual liability companies
Most business credit cards require a personal guarantee — meaning they use your personal credit, just like any other credit card, and you’ll be liable for the debt (you “personally guarantee” it).
But a few cards don’t require a personal guarantee, and instead rely on your business’ credit profile. These cards usually provide big services for big businesses, like multimillion-dollar credit limits and payment reconciliation systems.
A hot contender is the Brex Daily Card, with a solid rewards program (you can choose one of three) and a massive selection of cost-saving perks. Those include statement credits and discounts to a variety of products like Amazon Web Services, Google Ads, ZenDesk, Twilio, SendGrid, and more.
The Brex Daily card must be paired with a Brex Cash account; see the Brex 30 Card (Review) for a similar option that doesn’t require such an account. Consumers, sole proprietors, and unregistered businesses are ineligible for Brex cards.
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- Perks: Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Employee cards: First 5 cards for free; $5 fee per card after that
- Virtual cards: After you’re approved, Brex gives you immediate access to virtual cards, which you can use for online or phone purchases.
- No foreign transaction fee
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
Divvy Credit Card
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- Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
- No foreign transaction fee
- Annual fee: $0
Divvy Credit Builder
- Perks: Budget and expense management tools; Tools to manage employee spending; Unlimited virtual cards; Thousands of dollars in special offers and discounts
- No foreign transaction fee
- Annual fee: $0
Brex 30 Card
- Choose Tech Rewards, Life Science Rewards, or Remote Workforce Rewards
- Perks: Thousands of dollars in credits and discounts, like $5,000 in AWS credits, $150 in Google Ads credits, 50% discount on Dropbox plans, and a 20% Zoom subscription discount
- Point transfer: At a 1:1 rate to select airline loyalty programs
- Expense management and receipt reconciliation tools
- Annual fee: $0
- Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
- $50,000 minimum bank account balance required for venture-backed companies; $100,000 otherwise
Stripe Corporate Card
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- Perks: $5,000 in Amazon Web Services credits, three months of Basic Shopify for free, $436 in Zendesk credits per month for the first year, 40% off HubSpot for the first year, 50% off Expensify for six months, and more
- Annual fee: $0
- Available by invite only (you can request an invite)
Frequently Asked Questions
What’s the best no annual fee credit card for small businesses?
You don’t need to pay an annual fee to get a great business card. Our favorites include:
- Ink Business Cash® Credit Card (Review): For high cash back rates in common business categories like office supplies and internet services
- The Blue Business® Plus Credit Card from American Express (Review): Flat-rate rewards for everything you buy, with point transfer options
- Bank of America® Business Advantage Customized Cash Rewards Credit Card (Review): To pick your own 3% cash back category, from gas, travel, computer services, and more
- Capital One Spark Classic for Business (Review): If you’re working with fair credit and still want to earn some cash back
- Brex Daily Card (Review): Excellent rewards and perks; no personal guarantee required
- Divvy Credit Card (Review): For small to midsize businesses, comes equipped with rewards and the Divvy budgeting and expense management platform
What is a no annual fee business credit card?
No annual fee business cards are easy to explain — they have no annual fee or membership fee for the privilege of using them. But they typically do have credit card fees of other kinds, like late payment fees and interest charges.
Are there business credit cards with annual fees?
Yes — there are plenty of valuable business cards with annual fees. You can check out the best business cards here, some of which have annual fees.
But why would you pay an annual fee for a card, if there are other good options available? There are plenty of good reasons.
You might be paying for high-end travel perks, like the airport lounge access and exclusive services you’d get from The Business Platinum Card® from American Express (Review). Perhaps you want great rewards and point transfer opportunities from the Ink Business Preferred® Credit Card (Review). Or maybe your credit isn’t the best, so you have to go with a secured business card like the Wells Fargo® Business Secured Credit Card.
For rates and fees of the American Express Blue Business Cash™ Card, please click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
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