Editor’s note: This is a recurring post with regularly updated card details.
The best business credit cards with no annual fee offer features that allow you to save more money. Consider credit cards with valuable rewards, introductory annual percentage rates (APRs), and welcome bonuses. Make sure to check the ongoing APRs, other fees, and additional perks to find the no-annual-fee business credit card that fits your needs. Our recommended list includes business credit cards, a secured business credit card, and a charge card.
Here are the 10 best business credit cards with no annual fee:
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best overall business credit card with no annual fee and 15-month 0% APR period
- American Express Blue Business CashTM Card: Best for earning unlimited cash back with expanded buying power
- Bank of America Business Advantage Customized Cash Rewards Mastercard®: Best for earning 3% cash back in your chosen category
- Amazon Business American Express Card: Best for frequent Amazon shoppers without a Prime membership
- Bank of America Business Advantage Travel Rewards World Mastercard®: Best for earning unlimited travel rewards
- Chase Ink Business Cash® Credit Card: Best for recurring purchases on office supplies, internet, and phone services, including a generous welcome bonus
- PNC Bank Cash Rewards® Visa Signature® Business Credit Card: Best for those who want a low ongoing APR and generous introductory bonus
- Capital One® Spark® Classic for Business: Best for business owners with fair credit who want fixed-rate cash back
- Valley Visa® Secured Business Credit Card: Best for business owners with low credit who need a 0% APR period and cash back
- Ramp Credit Card: Best corporate charge card with unlimited 1% cash back
Overview of the Best Business Credit Cards With No Annual Fee
Best For | Intro APR | Welcome Offer | Ongoing Rewards | ||
---|---|---|---|---|---|
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | (Overall best) business credit card with no annual fee and 15-month 0% APR period | 0% APR on purchases and balance transfers for 15 billing cycles | Up to 5% cash back | ||
American Express Blue Business CashTM Card | Earning unlimited cash back with expanded buying power | 0% APR on purchases for the first 12 billing cycles | Up to 2% cash back | ||
Bank of America® Business Advantage Customized Cash Rewards Mastercard® | Earning 3% cash back in your chosen category | 0% APR on purchases for the first 9 billing cycles | Up to 3% cash back | ||
Amazon Business American Express Card | Frequent Amazon shoppers without a Prime membership | None | Up to 3% cash back | ||
Bank of America® Business Advantage Travel Rewards World Mastercard® | Earning unlimited travel rewards | 0% APR on purchases for the first 9 billing cycles | Unlimited 1.5x points on all purchases | ||
Chase Ink Business Cash® Credit Card | Recurring purchases on office supplies, internet, and phone services and generous welcome bonus | 0% APR on purchases for the first 12 billing cycles | Up to 5% cash back | ||
PNC Bank Cash Rewards® Visa Signature® Business Credit Card | Those who want a low ongoing APR and a generous introductory bonus | 0% APR on purchases for the first 9 billing cycles | Unlimited 1.5% cash back on all purchases | ||
Capital One® Spark® Classic for Business | Business owners with fair credit who want fixed-rate cash back | None | None | Up to 5% cash back | |
Valley Visa® Secured Business Credit Card | Those who want to rebuild their credit history | 0% APR on purchases and balance transfers for first 6 billing cycles | None | Unlimited 1% cash back | |
Ramp Credit Card | Corporate charge card with unlimited 1% cash back | None | None | Unlimited 1.5% cash back |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best Business Credit Card With No Annual Fee & 15-Month 0% APR Period
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Who Should Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Business owners who need a card with a long 0% introductory period and the ability to earn rewards may want our best business credit card with no annual fee. Not only does it come with a 0% introductory period on purchases and balance transfers for the first 15 billing cycles—the longest period in the list—but it also lets you earn up to 5% cash back rewards. These are our reasons for also recommending it as our top fuel card for small businesses and is also included in our roundups of the best small business credit cards and the best cash back business credit cards.
Other benefits:
- Secure $500 in cash back after spending $4,500 within the first 150 days from the date of account opening
- Earn up to 5% cash back on selected spending categories
- Receive a $100 credit for recurring software subscription expenses like FreshBooks and QuickBooks
- Pay eligible purchases in equal monthly installments through the U.S. Bank’s ExtendPay® Plan
Take note of the following considerations:
- Its premium rewards are only limited to selected spending categories
- It does not offer a 0% introductory period for cash advances
- It charges a balance transfer fee even during its introductory period
American Express Blue Business CashTM Card: Best for Earning Unlimited Cash Back With Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- 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
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- 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
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Who Should Consider the American Express Blue Business CashTM
This is ideal for those who want a business credit card with Expanded Buying Power, which is an adjustable credit limit that is based on your usage, payment history, credit record, and financial resources. It also lets you earn 2% fixed-rate cash back rewards on the first $50,000 in purchases. For this reason, this card is our leading cash back business credit card and our top credit card for startups.
Other benefits:
- Receive a $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- Earn up to 2% cash back on all purchases on the first $50,000 annual spend (1% cash back after the cap is met)
- Have your earned cash back rewards be credited to your statement automatically
Take note of the following considerations:
- Does not offer a 0% introductory period on balance transfers
- Its 2% cash back is capped on the first $50,000 in annual spending
- It charges foreign transaction fees
Bank of America Business Advantage Customized Cash Rewards Mastercard®: Best for Earning 3% Cash Back in Your Chosen Category
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 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 on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 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 on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 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 Preferred Rewards for Business Platinum Honors 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 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 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% 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.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Who Should Consider the Bank of America Business Advantage Customized Cash Rewards
If you want to earn premium rewards on the category of your choice while still being charged $0 in annual fees, then this card is great for your business. It lets you earn a combined 3% cash back on your chosen category and 2% cash back on dining purchases for the first $50,000 purchase each calendar year, then 1% cash back thereafter. This is why we also prefer this as one of our recommended credit cards for startups and one of our top business credit cards for consultants.
Other benefits:
- Have a 0% introductory period on purchases for the first nine billing cycles
- Earn a $300 online statement credit bonus after spending $3,000 in purchases within the first 90 days from the date of account opening
- Redeem earned cash back as a statement credit or a check mailed to you
Take note of the following considerations:
- Its 0% introductory period is short as compared to others
- It does not offer a 0% introductory period on balance transfers
- Its premium rewards are capped on selected spending categories
Amazon Business American Express Card: Best for Frequent Amazon Shoppers Without Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Who Should Consider the Amazon Business American Express Card
Those who spend frequently on Amazon and have no need of its Prime Membership may think this card is their best choice. It gives you the option to choose either 3% back or 60-day terms on United States purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market. Choosing to earn rewards will let you earn 3% back on the first $120,000 in purchases each year, then 1% back after the cap is met. Its option to choose between 60-day terms and premium cash back is why it’s our most-recommended business store credit card.
Other benefits:
- Earn a $100 Amazon gift card upon card approval
- Earn the following rewards:
- 3% back (after choosing rewards) at Amazon Business, AWS, Amazon.com, and Whole Foods Market
- 2% back on US purchases at restaurants, gas stations, and wireless phone services
- 1% back on other purchases
- Issue employee cards at no additional cost
Take note of the following considerations:
- It offers one of the lowest 0% introductory periods in the list
- Its premium rewards are capped at $120,000 in annual spending
- It does not allow balance transfers
Bank of America Business Advantage Travel Rewards World Mastercard®: Best for Earning Unlimited Travel Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
9 billing cycles
- 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 18.49% to 28.49% 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.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
9 billing cycles
- 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 18.49% to 28.49% 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.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Who Should Consider the Bank of America Business Advantage Travel Rewards World Mastercard®
If you travel frequently and have an active Bank of America business checking account, then you would want this business credit card with no annual fee. Not only does it let you earn 1.5X points on all purchases, but it also lets you earn an additional 2.62 points for every dollar spent through the Preferred Rewards for Business program. It’s no surprise this card made it in our roundups of the best business credit cards for travel and the best credit cards for self-employed.
Other benefits:
- Gain 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days from the date of account opening
- Earn 1.5X points on all purchases
- Secure a 0% introductory period on purchases for the first 9 billing cycles
- Redeem earned cash back as a deposit to your Bank of America checking or savings account, a statement credit, or a check mailed to you
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers
- It charges foreign transaction fees
- Its premium rewards are capped at $50,000
Chase Ink Business Cash® Credit Card: Best for Recurring Purchases on Office Supplies, Internet, and Phone Services and Generous Welcome Bonus
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- Earn $900 bonus cash back after you spend $6,000 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
- 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.
- 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
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
- Earn $900 bonus cash back after you spend $6,000 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
- 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.
- 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
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Who Should Consider the Chase Ink Business Cash®
Those who have recurring expenses on office supply stores, internet, and phone services, as you can earn premium cash back on these categories may think this card is excellent. It also offers a 0% introductory period on purchases for the first 12 billing cycles. Its premium cash back rewards, 0% introductory period, and $0 annual fees are why we included it in our lists of the best business credit cards for consultants and the best high-limit business credit cards.
Other benefits:
- Get a $750 bonus cash back after spending $6,000 on purchases within the first 3 months from the date of account opening
- Earn the following cash back rewards:
- 5% on the first $25,000 in combined purchases at office supply stores, internet, cable, and phone services
- 2% on the first $25,000 in combined purchases at gas stations and restaurants
- 1% on all other purchases
- Issue employee cards at no additional cost
- Redeem earned cash back for gift cards, travel through the Chase Ultimate Rewards®
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers
- It charges a high balance transfer fee
- Its premium rewards are only limited to selected spending categories
PNC Bank Cash Rewards® Visa Signature® Business Credit Card: Best for Those Who Want A Low Ongoing APR and Generous Introductory Bonus
PNC Cash Rewards® Visa Signature® Business Credit Card
BEST FOR:
PNC Bank account holders who want to earn fixed-rate cash back rewards
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- Does not charge an annual fee
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires having an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
- Earn $400 bonus after spending $3,000 in qualifying purchases within the first three billing cycles after opening an account
- 0% APR on purchases for the first nine billing cycles after opening an account
- Earn 1.5% cash back on all purchases
- Does not charge an annual fee
Pros
- Charges $0 annual fees
- Welcome offer
- Has a low regular APR for both purchases and balance transfers
Cons
- Does not have a 0% introductory period on balance transfers
- Requires having an active PNC Bank account to qualify for the card
- Cash Flow Insight®: An online account management that is designed to help monitor and plan cash flow, send invoices through email, pay online, and manage payables digitally.
- Travel accident insurance: You can obtain a maximum of $500,000 in principal sum coverage if the covered person’s injuries occurred while on a covered trip.
- Cellphone protection: You are provided with up to $800 per claim with a maximum of two claims and $1,600 per twelve-month period in the event of a theft, damage, or involuntary and accidental parting of your cellphone.
Who Should Consider the PNC Cash Rewards® Visa Signature® Business Credit Card
Business owners may think of getting this card if you are looking for a card with a low ongoing APR and a generous introductory bonus after meeting a low spending requirement. You can also maximize your business spending as it offers 1.5% fixed-rate cash back rewards. Its low ongoing APR, low spending requirement to secure the introductory bonus, and fixed-rate cash back rewards are our reasons for including it in our lists of the best sole proprietorship business credit cards and the best credit cards for nonprofits.
Other benefits:
- Get a $400 bonus after spending $3,000 in qualifying net purchases within the first three months from the date of account opening
- Secure a 0% introductory period on purchases on the first nine billing cycles
- Receive protection while traveling through Visa Signature® Benefits
- Redeem earned cash back as a statement credit or direct deposit to an eligible PNC business checking or savings account
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers
- It has a high penalty interest rate
Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit Who Want Fixed-Rate Cash Back
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No welcome offer
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Who Should Consider the Capital One® Spark® Classic for Business
If you have fair credit standing, you may qualify for this card as it lets you earn unlimited fixed-rate cash back rewards on all purchases. Aside from charging $0 annual fees, this card can help you build your credit history—which can increase your chances of getting another unsecured credit card. As the only unsecured business credit card in the list that only requires at least fair credit to qualify, it’s not a surprise that this card is our top business credit card for fair credit and one of our best sole proprietorship business credit cards.
Other benefits:
- Choose your preferred monthly due date, making it easier to manage your finances
- Issue employee cards at no additional cost
- Charges $0 foreign transaction fees
Take note of the following considerations:
- It does not have a 0% introductory period on purchases and balance transfers
- It does not offer a sign-up bonus for its new cardholders
Valley Visa® Secured Business Credit Card: Best for Business Owners With Low Credit That Need a 0% APR Period & Cash Back
Valley Visa® Secured Business Credit Card
BEST FOR:
Those who need a secured business credit card with fixed-rate cash back rewards
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
- 1% unlimited cash back on all purchases
Pros
- Customers with limited credit history or credit issues can still qualify
- Offers 0% APR on both purchases and balance transfers for six billing cycles
- $0 annual fee
- Offers 1% unlimited cash back on all purchases
Cons
- Credit limits are up to $25,000 only
- Requires a security deposit equivalent to 110% of requested credit limit
- Up to 25 free employee cards only
- Online account access
- Immediate fraud protection alerts for suspected fraudulent transactions
- Visa purchase alerts
- The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use
Who Should Consider the Valley Visa® Secured Business Credit Card
Those who have poor credit history would want this business credit card with no annual fee. Not only does it offer a 0% introductory period on purchases and balance transfers (for the first six billing cycles), but it also lets you earn an unlimited 1% cash back on all purchases. Despite it requiring a 110% security deposit of your desired credit limit, its 0% introductory period, rewards, and the ability to build up your credit history are why this is our leading secured business credit card.
Other benefits:
- Issue up to 25 cards at no additional cost
- Provides immediate fraud protection alerts via text and email
- Be assured that your account information and transactions are reported to major credit bureaus each month
Take note of the following considerations:
- It does not offer a signup bonus
- Its maximum requested credit limit is $25,000
- It can only issue 25 employee cards
Ramp Credit Card: Best Corporate Charge Card with Unlimited 1% Cash Back
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
- Unlimited 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for new and existing cardholders
- Does not charge additional fees
- Offers direct integrations to notable accounting tasks
Cons
- Requires paying balances in full each month
- Ramp is not available to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Who Should Consider the Ramp Credit Card
If you want a corporate charge card that has a strong expense management system with useful features, then this is the card for you. Not only does the card let you earn 1.5% cash back on all purchases, but it also offers exclusive partner discounts which are valued at $350,000. For this reason, this card made it in our roundups of the best high-limit business credit cards and the best purchasing cards.
Other benefits:
- Redeem earned rewards as a statement credit
- Secure up to 20x higher credit limit compared to most business credit cards
- Issue unlimited virtual and physical cards
Take note of the following considerations:
- It requires you to pay your balances in full each month
- It is not available for sole proprietors and unincorporated businesses
- It does not have a welcome bonus for its new cardholders
How We Selected Business Credit Cards With No Annual Fee
The best business credit cards with no annual fee often come with valuable features such as a 0% introductory period, a generous welcome bonus, and premium rewards and unique features. Additionally, we considered the ongoing interest rates, rewards redemption options, other features, and other costs associated with the cards.
Frequently Asked Questions(FAQs)
A business credit card with no annual fee is better for those who want to save on overall credit costs. If you choose a card that offers other perks—like ongoing rewards, a signup bonus, and a 0% introductory APR period—you can benefit more from a no-annual-fee credit card. However, business credit cards that charge annual fees also tend to offer richer rewards, offsetting the annual fee cost after a few purchases. Some provide shopping and travel perks—such as exclusive dining experiences, access to airport lounges, and special discounts on flights, hotels, rental cars, and restaurants.
A business credit card with no annual fee means you can use the card for life without having to pay a fee just for being a cardholder. However, while they are essentially free to use, they come with an APR. This means that if you carry a balance to another billing cycle, you’ll be charged with interest. Also, business credit cards with no annual fees typically come with other fees—some cards charge for balance transfers, cash advances, foreign transactions, late payments, and spending over credit limits.
When choosing one, consider the expense categories your business usually spends on, whether you need a 0% APR period, and other perks that may be valuable to you, such as sign-up bonuses and no foreign transaction fees. Additionally, take your personal credit score into account, as issuers will use this as a major factor when deciding whether or not to approve your application.
Bottom Line
A business credit card with no annual fee is a good choice if your goal is to save on unnecessary fees. Make sure to take advantage of introductory APRs, introductory bonuses, and ongoing rewards. Cash back that’s redeemed as a statement credit is typically the fastest way to benefit from rewards. Points-based rewards are also valuable especially if redeemed for certain expenses important to your business.