9 Best Business Credit Cards With No Annual Fee

• 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, 16.74% – 28.49%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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*.
• * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee. Terms Apply. Learn More.

• 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)

• Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X 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. Terms and limitations apply.
• You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

• 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.

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

• Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
• Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
• 1% cash back on all other eligible purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
• Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
• No limit on total cash back earned.
• Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
• Terms and conditions apply.

• 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.
• U.S. Bank ExtendPay^® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee

• Up to 1.5% cash back on purchases, regardless of spending categories

• 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.

• Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
• No annual fee
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 Fraud Liability for unauthorized charges

• Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
• Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
• Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
• $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
• Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
• Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time

• Up to 9 cents off on every gallon on your statement
• 1% back on nonfuel purchases

• Customizable controls
• Spend reports
• Exclusive discounts from large partner networks
• Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more

• Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
• Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
• No 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.
• 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.

• 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: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
• 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

(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.)

• 1% unlimited cash back on all purchases
• 110% percent of your approved credit limit
• $1,000 to $25,000, based on customer request

• Online account access: Manage your account conveniently through online access.
• Fraud protection alerts: Immediate alerts for suspected fraudulent transactions.
• Visa purchase alerts: Receive near real-time notifications via email or text message for transactions made with your enrolled Visa card.
• Report to major credit bureaus: The card reports account information and transactions to major credit bureaus each month, helping users build credit with responsible use.