Best Business Credit Cards With No Annual Fees

The Ink Business Cash 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.

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!

Take note that the spending limits are per account anniversary year, rather than annual.

• Extra reward opportunities: Earn more cash back via the Shop through Chase and Chase Offers programs.
• Shopping and Travel protections: Including Purchase Protection, Extended Warranty Protection, Travel and Emergency Assistance Services, and more.
• Purchase APR: 0% for 12 months, then 13.24% - 19.24% Variable
• Annual fee: $0

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 2% back on every purchase (up to $50K spent per year) and automatic cash back redemptions, you’ll hardly need to give it a second thought.

There are other 2% business cards, like the Capital One Spark Cash for Business, but they typically have annual fees (check out our favorite cash back business cards for a few other options).

And that’s that. A pretty simple way to earn a decent rate on any purchase.

Just take note of the annual limit; if you’ll spend more than that you may want another credit card to help out, perhaps one with some bonus categories to cover your common expenses.

• Amex Offers: Earn extra cash back and find discounts with a changing selection of merchants.
• Shopping and Travel protections: Like Car Rental Loss and Damage Insurance, Extended Warranty, and Purchase Protection
• Annual fee: No annual fee

American Express Blue Business Cash™ Card (Rates & Fees)

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 Cash Rewards Mastercard® credit card. You’ll be able to choose the eligible purchases to earn 3% back on each month, out of six popular business-related categories. And eligible Preferred Rewards for Business Platinum members can even get a 75% boost on all rewards.

The 3% category will be set to gas stations by default.

• Bank of America Preferred Rewards for Business: Get a 25%–75% bonus on all rewards if you have 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

• 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.

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.

The Blue Business Plus is our top pick thanks to Amex’s expansive selection of airline and hotel partners, which includes names like Delta, JetBlue, Hilton, and Marriott Bonvoy. And there’s a pretty lengthy 0% introductory APR (for a business card), giving small business owners some time to pay off upfront expenses.

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, where they could be worth 2 cents each or more.

That’d give you a cash back equivalent of at least 4% on everything you buy at the 2X rate — and that’s quite the lucrative deal when it comes to credit cards.

• Amex Offers: Earn extra points and find discounts with a changing selection of merchants.
• Point transfer: To a variety of hotel and airline partners.
• Purchase APR: 0% for 12 months from date of account opening, then 13.24% - 19.24% Variable
• Annual fee: No annual fee

The Blue Business® Plus Credit Card from American Express (Rates & Fees)

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 some cash back rewards, distribute employee cards, and take advantage of some shopping and travel benefits.

• Shopping and Travel protections: Including Purchase Security, Extended Warranty, and Auto Rental Collision Damage Waivers
• Quarterly and year-end summaries
• Free employee cards
• No foreign transaction fee
• Annual fee: $0

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.

• 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

• 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