Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Best business credit cards with no annual fee
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000 annually.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for flexible cash-back bonus categories (up to 3%).
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best no-fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best secured business credit card.
- BILL Divvy Corporate Card: Best for corporate spend and expense management.
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemption (cash back or travel).
- Brex Card: Best for corporate card with no personal guarantee.
- Capital on Tap Business Credit Card: Best for business owners with fair/average credit.
- Capital One Spark Cash Select: Best for flat-rate cash-back rewards (1.5%).
- Ink Business Cash® Credit Card: Best for businesses setting up an office.
- Ink Business Unlimited® Credit Card: Best for welcome bonus + cash-back rewards (1.5%).
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 3% cash back on gas and other business essentials.
- Wells Fargo Signify Business Cash℠ Card: Best for cash-back rewards (2%).
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Best business credit cards with no annual fee
- The American Express Blue Business Cash™ Card: Best for new businesses spending less than $50,000 annually.
- Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card: Best for flexible cash-back bonus categories (up to 3%).
- Bank of America® Business Advantage Travel Rewards World Mastercard® credit card: Best no-fee business travel card.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card: Best secured business credit card.
- BILL Divvy Corporate Card: Best for corporate spend and expense management.
- The Blue Business® Plus Credit Card from American Express: Best for flexible rewards redemption (cash back or travel).
- Brex Card: Best for corporate card with no personal guarantee.
- Capital on Tap Business Credit Card: Best for business owners with fair/average credit.
- Capital One Spark Cash Select: Best for flat-rate cash-back rewards (1.5%).
- Ink Business Cash® Credit Card: Best for businesses setting up an office.
- Ink Business Unlimited® Credit Card: Best for welcome bonus + cash-back rewards (1.5%).
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for 3% cash back on gas and other business essentials.
- Wells Fargo Signify Business Cash℠ Card: Best for cash-back rewards (2%).
Here are the best no annual fee business credit cards
Best for | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Welcome bonus + cash-back rewards (1.5%) Ink Business Unlimited® Credit Card Apply now on Chase's website | 4.9/5 | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Businesses setting up an office Ink Business Cash® Credit Card Apply now on Chase's website | 4.6/5 | $0 | 1%-5% Cashback | $350 | Apply now on Chase's website |
No-fee business travel card Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 4.2/5 | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
Flexible cash-back bonus categories (up to 3%) Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 3.9/5 | $0 | 1%-3% Cashback | $300 | Apply now on Bank of America's website |
New businesses spending less than $50,000 annually The American Express Blue Business Cash™ Card | 4.5/5 | $0 | 1%-2% Cashback | $250 | |
Flexible rewards redemption (cash back or travel) The Blue Business® Plus Credit Card from American Express | 4.4/5 | $0 | 1x-2x Points | 15,000 Points | |
3% cash back on gas and other business essentials U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | 4.4/5 | $0 | 1%-3% Cashback | $750 | |
Flat-rate cash-back rewards (1.5%) Capital One Spark Cash Select | 4.6/5 | $0 | 1.5%-5% Cashback | $500 | |
Business owners with fair/average credit Capital on Tap Business Credit Card Apply now on Capital on Tap's website | 4.6/5 | $0 | 1.5% | N/A | Apply now on Capital on Tap's website |
Corporate card (no personal guarantee) Brex Card Apply now on Brex's website | 4.3/5 | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Corporate spend and expense management BILL Divvy Corporate Card Apply now on BILL Spend & Expense's website | 3.6/5 | $0 | 1x-7x Points | N/A | Apply now on BILL Spend & Expense's website |
I'M INTERESTED IN:
Our pick for
Welcome bonus + cash-back rewards (1.5%)
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Businesses setting up an office
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
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
No-fee business travel card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Pros
- No annual fee
- Intro APR offer
- New cardholder bonus offer
- No reward caps
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
- Does not include lounge access or travel credits
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
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
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 17.49% to 27.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Flexible cash-back bonus categories (up to 3%)
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Pros
- No annual fee
- High rewards rate in bonus categories
- New cardholder bonus offer
- Bonus rewards for qualifying Preferred Rewards for Business members
Cons
- Requires excellent credit
- Complicated rewards
- Spending caps on bonus rewards
- Multiple accounts, high combined balance required to get Preferred Rewards bonus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
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