10 Best Business Credit Cards With No Annual Fee for 2023

On US Bank's Secure Website

Intro APR

Regular APR

18.49% - 27.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
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 18.49% - 27.49%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No 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.

Intro APR

Regular APR

18.49% - 27.49% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
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 18.49% - 27.49%.
No annual fee.
Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

Pros

0% APR applies to both purchases and balance transfers
Unlimited cash back rewards
No 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.

Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is our best overall business credit card with no annual fee because it offers several ways to save money and earn rewards, such as:

0% APR for 15 months: Do you plan to make a large purchase or transfer a balance from another card? Take advantage of this card’s 0% APR period for 15 billing cycles, which makes it one of our top-recommended business credit cards for balance transfers.
Sign-up bonus: Spend at least $4,500 within 150 days after opening an account to earn a $500 bonus cash back.
Annual software credit: If you pay for recurring software subscriptions, such as FreshBooks or QuickBooks, you can earn a $100 statement credit annually.
Lucrative ongoing rewards: Receive 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center, 3% cash back at eligible gas stations, restaurants, mobile phone service providers, and office supply stores, and 1% cash back on all other purchases.

There’s no limit on the total rewards you can earn, and rewards don’t expire as long as your account remains open and in good standing. You can use your cash back as a statement credit or receive it as a deposit to your U.S. Bank business checking, savings, or money market account. Read our U.S. Bank business checking review if you’re interested in opening an account.

Chase Ink Business Unlimited®: Best for Easy Unlimited Rewards

Ink Business Unlimited® Credit Card

BEST FOR:

Pocketing 1.5% cash back on every single purchase

on Ink Business Unlimited® Credit Card's secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

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

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 less

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

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

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 less

Why we like it: The Chase Ink Business Unlimited® card offers an easy and straightforward rewards program—you’ll earn 1.5% fixed rate cash back for every dollar spent on any business-related purchase. There are no limits to the amount of cash back you can earn, and no spend categories to keep track of. You can redeem your rewards as a statement credit or use them for gift cards or travel. It also offers other benefits, including:

Sign-up bonus: If you spend $6,000 in the first three months of card ownership, you’ll earn a $750 bonus cash back.
0% APR for 12 months: You can benefit from zero-interest financing on purchases for the first 12 months of card ownership. Note that this offer doesn’t apply to balance transfer transactions.

You may qualify for this card even if you’re a new business with no business credit history, as long as you have a good to excellent personal credit score. It’s our leading card for new businesses with no credit history and best business card for sole proprietors because of its simple rewards program and generous sign-up bonus.

American Express Blue Business® Plus: Best for Earning Points Rewards With Flexible Credit Limit

The Blue Business® Plus Credit Card from American Express

BEST FOR:

Pocketing 2x points per $1 and 0% introductory APR for 12 months

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening.
No Annual Fee
Terms Apply

Pros

No annual fee
0% APR for 12 months on purchases and balance transfer
Welcome offer bonus points
Expanded buying power
Fixed-rate rewards

Cons

Cash advances aren’t allowed
Charges foreign transaction fees
2x points rewards are capped at $50,000 in spending

Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.

See Rates and Fees

Why we like it: The American Express Blue Business® Plus card lets you earn points rewards on all purchases, regardless of spending categories. It offers 2x points per dollar on the first $50,000 spent on any business purchase each year, then 1x point thereafter. It also comes with:

Expanded buying power: Do you need to spend beyond your credit limit from time to time? The card’s expanded buying power feature lets you do just that. Your credit limit adjusts based on your spending habits, payment history, credit score, and financial resources.
0% APR for 12 months: Make a large purchase after opening an account and take advantage of the interest-free period of 12 months. This offer doesn’t apply to balance transfers.
Sign-up bonus: Receive 15,000 bonus points when you spend $3,000 in eligible purchases within the first three months of card membership.

You can redeem your points for travel or gift cards, or use Pay With Points at more than a dozen retailers. Because of its easy rewards and other benefits, the card is one of our top business credit cards for startups.

American Express Blue Business Cash^TM: Best for Earning Cash Back with Expanded Buying Power

American Express Blue Business Cash™ Card

BEST FOR:

Those who want better cash back rewards

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates & Fees

Why we like it: The American Express Blue Business Cash^TM offers 2% cash back on any business purchase up to $50,000 each calendar year, then 1% cash back thereafter. Cash back is credited to your statement automatically, and there’s no minimum reward amount to redeem. For these reasons, the card is our overall best cash back business credit card. It also offers:

Expanded buying power: Similar to the American Express Blue Business® Plus card, it features expanded buying power, allowing you to spend over your credit limit when you need to. The amount you can spend adjusts based on your card usage, payment behavior, and financial information.
Sign-up bonus: Receive $250 bonus cash back after spending $3,000 in the first three months after opening an account.
0% APR for 12 months: The card also has a 0% introductory APR on purchases for the first 12 months of card ownership, but this interest-free financing option doesn’t apply to balance transfers.

The card is also our top-recommended business credit card for self-employed business owners because of its generous yet simple rewards program that doesn’t require you to monitor spending categories.

PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR

PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders wanting to earn fixed-rate rewards

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

15.24% to 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.

Intro APR

0% for 9 billing cycles

Regular APR

15.24% to 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

Doesn’t charge annual fees
With sign-up bonus
Has low ongoing APR on purchases and balance transfers

Cons

Doesn’t offer 0% introductory APR on balance transfers
Need to have an active PNC Bank account to qualify for the card

Cash Flow Insight®: Designed to help you monitor and plan your cash flow, send invoices via email, get paid online, and manage payables digitally.
Lost luggage reimbursement: You and your immediate family members can be reimbursed up to $3,000 per covered trip if your luggage was lost or stolen when you charge your entire travel fare to this card.
Travel and emergency assistance services: You can call the toll-free, 24-hour benefit administrator line at (800) 992-6029 to get assistance and referrals while traveling away from home.
Trip delay reimbursement: Covers up to a maximum of $300 per purchased ticket for reasonable additional expenses incurred when a Covered Trip purchased was delayed for more than 12 hours.

Why we like it: If you carry a balance with each billing cycle, the PNC Cash Rewards® Visa Signature® Business Credit Card is your best choice because it has the lowest starting APR on our list. It also offers other ways to save money, such as:

0% APR for nine months: This zero-interest period only applies to purchases. Even though it only lasts for nine months, which is typically shorter than what most business cards offer, it’s still one of our best business credit cards with 0% APR because of its low ongoing APR after the introductory offer ends.
Unlimited cash back: Receive unlimited 1.5% cash back on all eligible business purchases, regardless of spending categories.
Sign-up bonus: Earn $400 if you spend $3,000 in qualifying purchases within the first three months of card ownership.

It’s one of our top business credit cards that don’t report to personal credit bureaus—a great option if you don’t want your business card transactions to affect your personal credit.

Capital One® Spark® Classic for Business: Best for Business Owners With Fair Credit

Capital One® Spark® Classic for Business

BEST FOR:

Those with fair credit

on Capital One® Spark® Classic for Business's secure website.

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

Fair

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 sign-up bonus

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.

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

Fair

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 sign-up bonus

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.

Why we like it: The Capital One® Spark® Classic card is a great option if you have a fair credit score (between 580 and 669). Using this card responsibly can help you grow your credit score while earning unlimited rewards. You’ll also enjoy the following benefits:

Fixed-rate cash back: This straightforward card offers a fixed-rate 1% cash back on all business purchases, with no limits or expense categories. Rewards never expire, and you can choose between redeeming them as a statement credit or as a paper check.
Credit building: With consistent on-time payments, you can build your credit, improve your credit score, and eventually qualify for other credit cards with more favorable terms.
Easy approval process: Since it only requires a fair credit score to get approved, you can qualify for the card easily. It’s our best credit card for fair credit and one of our top instant approval credit cards.

It’s important to note that this card has the highest APR of all the cards listed here. Plan your budget carefully and pay your balance in full every billing cycle to avoid paying a high interest rate, which reduces your cost.

Chase Ink Business Cash®: Best for Earning Up to 5% Cash Back

Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 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 sign-up bonus

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 less.

Intro APR

0% Intro APR on Purchases

Regular APR

17.74% - 23.74% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $750 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 sign-up bonus

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 less.

Why we like it: With the Chase Ink Business Cash®, you can save on office supplies and internet, cable, and phone services by earning 5% cash back on all of these items, up to $25,000 each account anniversary year. It also comes with:

Ongoing rewards on other purchase categories: Aside from the spending categories mentioned above, you can earn 2% cash back on the first $25,000 spent at gas stations and restaurants, then 1% cash back on all other expenses.
Sign-up bonus: Similar to Chase Ink Business Unlimited®, you’ll receive $750 cash back when you spend $6,000 in the first three months of card ownership.
0% APR for 12 months: You’ll enjoy zero-interest financing on purchases for the first 12 months. This offer doesn’t apply to balance transfer transactions.

Its generous rewards made it one of our best cash back business credit cards. It’s also one of our leading limited liability company (LLC) cards, top nonprofit cards, and best cards for real estate agents. You can redeem your rewards as a statement credit, for gift cards, or for travel.

Bank of America Business Advantage Travel Rewards World Mastercard®: Best For Earning 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

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in net 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 on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
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

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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.

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Earn 30,000 online bonus points after you make at least $3,000 in net 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 on all purchases everywhere, every time-no matter how much you spend. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
Earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases and up to 5.25 points per $1 spent at the Bank of America Travel Center.
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

No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
Short 0% APR introductory period: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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.

Why we like it: If you travel for business often, the Bank of America Business Advantage Travel Rewards World Mastercard® is an excellent option because it allows you to earn unlimited rewards that can be redeemed for travel or travel credit. You’ll benefit from:

Unlimited rewards: Earn 1.5x points for every dollar you spend on all purchases and 3x points per every dollar spent when you book car rentals, hotel stays, and flights through the Bank of America® Travel Center.
Sign-up bonus: Receive 30,000 bonus points after making at least $3,000 in purchases within the first 90 days after opening an account.
0% APR for nine months: Take advantage of interest-free financing on purchases for the first nine billing cycles. Note that there’s no 0% APR offer for balance transfers.
Up to 75% more points for Bank of America business account depositors: Do you have a business checking account with Bank of America? Get up to 75% more points if you qualify for a Preferred Rewards for Business membership. Read our review of Bank of America’s business checking for more information.

If you don’t want to redeem your points for travel, you have the option to use your rewards as a statement credit, a deposit into your Bank of America checking or savings account, or a check by mail. It’s one of our best business credit cards for travel because it doesn’t charge a foreign transaction fee and offers unlimited rewards.

Bank of America Business Advantage Customized Cash Rewards: Best for Earning Cash Back in Your Chosen Category

Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card

BEST FOR:

Those wanting to earn 3% cash back in a spending category of your choice

on Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card's secure website.

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% 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.
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
With sign-up bonus

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.

Intro APR

Regular APR

16.49% - 26.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

Get a $300 statement credit online bonus after you make at least $3,000 in net purchases in the first 90 days of your account opening – with no annual fee and cash rewards don't expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining purchases and unlimited 1% cash back on all other purchases.
You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem your cash back as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
Earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% in your selected choice category and up to 3.5% 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.
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
With sign-up bonus

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.

Why we like it: If you have significant expenses in certain spending categories, including gas, office supplies, travel, telecommunication, computer, and business consulting services, the Business Advantage Customized Cash Rewards card from Bank of America is an excellent choice. It allows you to choose the category where you spend the most, from which you’ll earn 3% cash back. You’ll also get to benefit from the following:

Ongoing rewards on other purchase categories: Earn 2% cash back on dining and 1% cash back on all other expenses.
Sign-up bonus: Get a $300 statement credit after making at least $3,000 in purchases in the first 90 days after opening an account.
0% APR for nine months: Enjoy interest-free financing on purchases for the first nine billing cycles.
Up to 75% more rewards for Bank of America business account depositors: If you have a Bank of America business checking account and qualify for Preferred Rewards for Business, you’ll earn up to 75% more rewards.

The feature that lets you choose your preferred spending category where you can earn premium rewards is what makes this card unique—and this is why it earned a spot in our roundup of the best small business credit cards. Keep in mind that the 3% and 2% cash back only apply on the first $50,000 combined purchases each calendar year. When the cap is met, you’ll earn 1%.

Bank of America® Business Advantage Unlimited Cash Rewards Secured Credit Card: Best for Business Owners With Low Credit

Business Advantage Unlimited Cash Rewards Secured Credit Card

BEST FOR:

Those who cannot qualify for unsecured business credit cards

on Business Advantage Unlimited Cash Rewards Secured Credit Card's secure website.

Intro APR

None

Regular APR

26.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lets you earn unlimited rewards
Can help you build your business credit score

Cons

Minimum $1,000 security deposit is required
Has no 0% introductory APR on purchases and balance transfers
No sign-up bonus

Overdraft protection: An optional service available to cardholders who have a Bank of America® business checking account. If you opt-in, link your credit card to your checking account (done through Balance Connect®, their overdraft protection service).
Free access to your business credit score: You can view and monitor your Dun & Bradstreet business credit score free via Business Advantage 360, Bank of America®’s Small Business Online Banking.
Travel and emergency services: Offers travel benefits, including $100,000 in travel accident insurance. You’ll also have access to additional services, such as auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when traveling.
Cash flow management tools: Bank of America® offers a suite of online services to help you manage your business.
Zero liability protection: Protects you against unauthorized transactions. You’ll have additional protection for certain purchases against loss, damage, theft, and fire, and you can enjoy extended warranty coverage.

Intro APR

None

Regular APR

26.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

Doesn’t charge annual and foreign transaction fees
Lets you earn unlimited rewards
Can help you build your business credit score

Cons

Minimum $1,000 security deposit is required
Has no 0% introductory APR on purchases and balance transfers
No sign-up bonus

Overdraft protection: An optional service available to cardholders who have a Bank of America® business checking account. If you opt-in, link your credit card to your checking account (done through Balance Connect®, their overdraft protection service).
Free access to your business credit score: You can view and monitor your Dun & Bradstreet business credit score free via Business Advantage 360, Bank of America®’s Small Business Online Banking.
Travel and emergency services: Offers travel benefits, including $100,000 in travel accident insurance. You’ll also have access to additional services, such as auto rental insurance, emergency ticket replacement, lost-luggage assistance, and legal and medical referrals when traveling.
Cash flow management tools: Bank of America® offers a suite of online services to help you manage your business.
Zero liability protection: Protects you against unauthorized transactions. You’ll have additional protection for certain purchases against loss, damage, theft, and fire, and you can enjoy extended warranty coverage.