6 Best Business Credit Cards With No Annual Fee [2024]

Updated: August 6, 2024, 5:07pm CDT

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6 Best Business Credit Cards With No Annual Fee [2024]

The 6 Best Business Credit Cards With No Annual Fee — Overview
What To Look For in a Business Credit Card With No Annual Fee
Best Business Cards
Final Thoughts

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Getting a business credit card is one of the very first steps you should take when starting a new business. And when you’re just starting, you might not think too much of choosing the best business credit card since you’re spending very little.

However, starting on the right foot can lay the foundation for smooth business operations and good overall business hygiene; and if you’re looking for a low-risk way to get your business a credit card, you should consider one without an annual fee.

In this guide, we’ll walk you through all of the best business credit cards with no annual fee — let’s get right into it!

The 6 Best Business Credit Cards With No Annual Fee — Overview

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Card	Welcome Bonus and Annual Fee	Benefits
The Blue Business^® Plus Credit Card from American Express	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. Annual fee of $0 (rates & fees)	2x points on everyday business purchases, up to $50,000 per calendar year Expanded Buying Power
Ink Business Unlimited^® Credit Card	Earn $750 cash back after spending $6,000 in the first 3 months. Annual fee of $0	1.5% cash-back on all purchases with no caps or limits 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter 5% cash-back on Lyft through March 31, 2025 Primary rental car insurance
Ink Business Cash^® Credit Card	Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months. Annual fee of $0	5% cash-back on the first $25,000 in combined purchases every cardmember year on office supplies and internet, cable, and phone services 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter 2% cash-back on the first $25,000 in combined purchases every cardmember year at gas stations and restaurants Primary rental car insurance
The American Express Blue Business Cash™ Card	Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Annual fee of $0 (rates & fees)	2% cash-back on everyday business purchases, up to $50,000 per calendar year
Capital One Spark Miles Select for Business	Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening. Annual fee of $0	5x miles on hotels and rental cars booked through Capital One Travel 1.5x miles on other purchases Roadside assistance
Capital One Spark Cash Select for Excellent Credit	Earn $500 cash back bonus after you spend $4,500 on purchases in your first 3 months. Annual fee of $0	5% cash-back on hotels and rental cars booked through Capital One Travel 1.5% cash-back on other purchases Roadside assistance

What To Look For in a Business Credit Card With No Annual Fee

When looking for a business credit card with no annual fee, you should, quite simply, look to make sure that the card you’re considering is a business credit card and that it doesn’t have an annual fee.

Also, make sure the annual fee is actually $0, instead of the card having an introductory annual fee.

Other than that, getting a credit card that earns the most rewards will yield the highest overall return.

Benefits are also important, but there aren’t that many ultra-valuable benefits afforded to cards with no annual fee, so there’s less distinction in that realm.

Now, let’s talk about the best business credit cards with no annual fee!

Best Business Cards

The Blue Business Plus Credit Card^® from American Express

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points

UP's Bonus Valuation*:
$330

Annual Fee

No annual fee

APR

18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status

Read Full Review

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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards^® 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.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is the winner when it comes to the best business credit card with no annual fee.

The real reason why you want to hold it is that you can get 2x Membership Rewards points per dollar on everyday purchases for your business, up to $50,000 per calendar year. Beyond that, earn 1x points.

The Amex Blue Business Plus card gets you access to the Membership Rewards program, which is worth noting because getting access to a transferable program without having to pay an annual fee (rates & fees) is rare.

Also, you’ll get access to Amex Offers, purchase protection, extended warranty, secondary rental car insurance, and employee cards for no additional annual fee (rates & fees).

Why We Like Earning Amex Membership Rewards Points

According to our valuations, Amex points are the most valuable type of transferrable points available, worth 2.2 cents each.

By transferring your points to the Amex transfer partners, you can get upwards of 10 cents per point, especially if you book award travel like Emirates first class or Lufthansa first class.

You can also use your points to book flights through AmexTravel.com or get statement credits, gift cards, charitable donations, online merchandise, and more.

Hot Tip: Here’s a look at even more ways to earn tons of Amex Membership Rewards points!

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750

UP's Bonus Valuation*:
$750

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Credit Recommended

Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Cons

3% foreign transaction fee

Read Full Review

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

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Unlimited card is the runner-up pick because it offers outsized returns on all purchases without compromising on the flexibility of your rewards.

The biggest selling point of this card is the unlimited 1.5% cash-back on business purchases with no caps. That means you don’t need to worry about bonus categories, caps on earnings, and blackout dates.

In addition, you can earn 5% cash-back on Lyft purchases through March 31, 2025.

This credit card covers you with purchase protection, extended warranty, primary car rental insurance, roadside assistance, zero liability fraud protection, and employee cards for no additional fees. Don’t forget the card has a 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter.

But one of the most important attributes of this card is that if you have the right credit card pairing, you can convert your cash-back to valuable Ultimate Rewards points at a 1% to 1x ratio.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are worth 2 cents each, based on our valuations.

That means if you happen to have an Ultimate Rewards card like the Chase Sapphire Preferred^® Card or the Ink Business Preferred^® Credit Card, you can convert your 1.5% cash-back to 1.5x points, which is equal to a 3% return on spending.

Of course, the best way to get outsized value from your points is to transfer them to airline and hotel partners for luxury award travel.

You can also use your Chase points for Chase travel portal bookings, Pay Yourself Back, gift cards, cash-back, Amazon.com purchases, online shopping, and more.

Ink Business Cash^® Credit Card

UP TO $750 BACK

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $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.
Up to $750

UP's Bonus Valuation*:
Up to $750

Annual Fee

APR

0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.

Credit Recommended

Good to Excellent (670-850)

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

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
10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
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

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Another great business credit card with no annual fee is the Ink Business Cash card, which is a fellow member of the family of Ink credit cards issued by Chase.

The major difference between the Ink Business Cash card and the Ink Business Unlimited card is in the earning structure:

Earn 5% cash-back at office supply stores and on internet, cable, and phone services on the first $25,000 spent in combined purchases each account anniversary year
Earn 5% cash-back on Lyft purchases through March 31, 2025
Earn 2% cash-back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year
Earn 1% cash-back on other purchases

As a reminder, these rewards can be converted to Ultimate Rewards points if you have an Ultimate Rewards card like the Chase Sapphire Preferred card or Ink Business Preferred card.

That will transform your 1%, 2%, or 5% cash-back into 1x, 2x, or 5x points, respectively. That means you’ll max out at a 10% return on spending!

Just like the Ink Business Unlimited card, you’ll get benefits like primary car rental coverage, purchase protection, extended warranty, zero liability protection, no additional fee employee cards, and roadside assistance.

The American Express Blue Business Cash™ Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Welcome OfferEarn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250

Annual Fee

APR

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%

Credit Recommended

Good to Excellent (670-850)

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros

2% cash-back on up to $50,000 in spend, then 1% back thereafter
No annual fee
Travel and purchase protection

Cons

Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

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, 18.49% – 26.49%, 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 up to $50,000 per calendar year, then 1%. 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.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply

Financial Snapshot

APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

The Amex Blue Business Cash card is the only featured credit card that strictly focuses on cash-back.

The Ink Business Unlimited card and Ink Business Cash card both earn rewards that can be converted to transferrable points, whereas the Amex Blue Business Cash card earns only cash-back.

This card could be a great choice if you don’t need (or want) to earn travel rewards.

Then, earn 2% cash-back on everyday business purchases, up to $50,000 per year. After that, earn 1% cash-back on other purchases.

The cash-back is automatically credited to your statement every billing cycle, so you don’t actually even need to worry about redeeming your rewards.

The Amex Blue Business Cash card also includes a benefit known as Expanded Buying Power, which gives you the ability to spend beyond your credit limit to get business done.

There’s also purchase protection, extended warranty, secondary rental car insurance, and no-additional-fee employee cards (rates & fees).

Capital One Spark Miles Select for Business

U.P. Rating

(Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles Select for Business

(Information collected independently. Not reviewed by Capital One.)

UP's Bonus Valuation*:
$360

Annual Fee

APR

0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable

The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.

Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
Earn 5X miles on hotel and rental car bookings through Capital One Travel.
Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.

Financial Snapshot

APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
Foreign Transaction Fees:

Rewards Center

Capital One Miles

The Capital One Spark Miles Select card is packed with value and doesn’t have an annual fee.

You’ll earn up to 5x Capital One miles on purchases:

5x Capital One miles on hotels and rental cars booked via Capital One Travel
1.5x Capital One miles on other purchases

This is one of the few cards where you can access a full list of transfer partnerships without paying an annual fee.

Beyond that, there’s an extended warranty, secondary rental car insurance, roadside assistance, zero fraud liability, no foreign transaction fees, and employee cards for no additional annual fee.

Why We Like Earning Capital One Miles

Many don’t know that Capital One miles can be just as useful as Amex points or Chase points, which is why we value them at 1.8 cents apiece.

By accessing Capital One’s list of transfer partners, you can book flights like British Airways business class or Etihad first class.

Other ways to use Capital One miles include Capital One Travel bookings, Amazon.com purchases, PayPal transactions, gift cards, and cash-back. However, the redemption methods will almost always lead to a lower value.

Capital One Spark Cash Select for Excellent Credit

Terms Apply / Rates & Fees

Capital One Spark Cash Select for Excellent Credit

U.P. Rating

The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.

Capital One Spark Cash Select for Excellent Credit

The Capital One Spark Cash Select card is a great no-annual-fee business credit card that earns 1.5% cash-back on all purchases.

Welcome OfferEarn a $750 bonus when you spend $6,000 in the first 3 months of account opening.
$750

Annual Fee

APR

18.49% - 24.49% Variable

If you’re looking for a cash-back business card with no annual fee, Capital One Spark Cash Select card offers 1.5% cash back on every purchase.

Pros

Unlimited 1.5% cash back on every purchase
5% cash-back on hotels and rental cars booked through Capital One Travel
No annual fee

Cons

Lack of bonus categories

Read Full Review

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 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

Financial Snapshot

APR: 18.49% - 24.49% Variable
Foreign Transaction Fees:

The last card we’ll be discussing is the Capital One Spark Cash Select card. Currently, this lovely card offers a welcome bonus, which will accelerate the rewards you initially earn.

Also, you are eligible to get up to 5% cash-back on purchases:

5% cash-back on hotels and rental cars booked through Capital One Travel
1.5% cash-back on other purchases

Additionally, you can get access to roadside assistance, zero fraud liability, virtual card numbers with Eno, extended warranty, no foreign transaction fees, and no-additional-fee employee cards.

Final Thoughts

Finding a business credit card with no annual fee is easy. Finding one that actually meets your needs and earns substantial rewards is surprisingly difficult.

That’s why we put all of the products to the test and ranked them all in this guide. That way, you can get the highest ROI possible from business purchases you’d be making anyway.

Other benefits like 0% introductory APR on purchases, purchase protection, and no foreign transaction fees add even more value to the equation.

The best business credit cards with no annual fee are offered by Chase, Amex, and Capital One.

Now, you have all of the information you need to get yourself a fantastic no-annual-fee business credit card with the confidence of knowing you’re picking the best option.

For the car rental collision damage coverage benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the extended warranty and purchase protection benefit of The Blue Business^® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental collision damage coverage benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the extended warranty and purchase protection benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Select for Excellent Credit was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Blue Business^® Plus Credit Card from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.

Featured Image Credit: Alicia Christin Gerald via Unsplash

Frequently Asked Questions

Do all business credit cards have an annual fee?

No, there are plenty of business credit cards with no annual fee! Our favorites are the Amex Blue Business Plus card, Ink Business Unlimited card, Ink Business Cash card, Amex Blue Business Cash card, Capital One Spark Miles Select card, and Capital One Spark Cash Select card.

What is the most prestigious business credit card with no annual fee?

The most prestigious business credit card with no annual fee (rates & fees) is likely the Amex Blue Business Plus card, which earns 2x Membership Rewards points on up to $50,000 in everyday business purchases per calendar year.

Can my small business get a credit card?

Yes, most small businesses can get a business credit card. If you just want to dip your toes in the world of business credit cards, a good idea is to start small and get a business card with no annual fee.

Are no-fee business credit cards worth it?

For some people, a business credit card with no annual fee is totally worth it, especially if you want the lowest cost possible and are willing to sacrifice on rewards.

That being said, there are plenty of business cards with no annual fee offering awesome rewards, too!

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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