10 Best Business Credit Cards With No Annual Fee for 2023

On US Bank's Secure Website

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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
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

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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
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: Make a large purchase or transfer a balance from another card with 0% APR for 15 billing cycles—this is the reason why it is 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: Earn a $100 statement credit annually if you pay for recurring software subscriptions, such as FreshBooks or QuickBooks.
Lucrative ongoing rewards: Receive unlimited cash back on your business-related expenses that don’t expire for as long as your account remains open and in good standing:
- 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
- 1% cash back on all other purchases

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:

Those who want fixed-rate 1.5% cash back on all purchases

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

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $900 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

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $900 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

With interest-free financing option on purchases
Fixed unlimited cash back on all purchases

Cons

Does not have interest-free financing option on balance transfers
Charges high foreign transaction fees

Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

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:

Premium rewards on Lyft rides: Earn 5% cash back on Lyft rides through March 2025.
Sign-up bonus: Spend $6,000 in the first three months of card ownership, you’ll earn a $900 bonus cash back.
0% APR for 12 months: Take advantage of zero-interest financing on purchases for the first 12 months of card ownership. Note that this offer does not 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 is 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 Cash^TM: 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

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

Intro APR

0% on purchases

Regular APR

18.49% - 26.49% 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.
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% intro 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.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

18.49% - 26.49% 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.
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% intro 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.

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: Spend over your credit limit when you need to with its expanded buying power feature. The amount you can spend adjusts based on your card usage, payment behavior, and financial information.
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 does not 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.

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

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

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 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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

18.49% - 24.49% Variable

Annual Fee

Credit Needed

Good - Excellent

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 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 United States 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. You can redeem your rewards or cash back, gift cards, travel, and merchandise through Chase Ultimate Rewards®. It also comes with:

Ongoing rewards on other purchase categories: Earn 2% cash back on the first $25,000 spent at gas stations and restaurants, 5% cash back on Lyft rides through March 2025, and 1% cash back on all other expenses and when the cap is met.
Sign-up bonus: Receive $900 cash back when you spend $6,000 in the first three months of card ownership.
0% APR for 12 months: Enjoy zero-interest financing on purchases for the first 12 months. This offer does not apply to balance transfer transactions.

Its generous rewards made it one of our leading limited liability company (LLC) cards, top nonprofit cards, and best cards for real estate agents. Your rewards don’t expire for the life of your account as long as it remains in good standing.

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

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

Intro APR

0%
9 billing cycles

Regular APR

18.49% - 28.49% 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 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.
No limit to the amount of points you can earn and points don't expire.
You can 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.
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

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: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

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

0%
9 billing cycles

Regular APR

18.49% - 28.49% 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 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.
No limit to the amount of points you can earn and points don't expire.
You can 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.
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

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: This is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory APR only applies to purchases

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 will benefit from:

Unlimited rewards: Earn 1.5x points for every dollar you spend on all purchases.
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 is no 0% APR offer for balance transfers.
Up to 75% more points for Bank of America business account depositors: Get up to 75% more points if you have a business checking account with Bank of America and qualify for a Preferred Rewards for Business membership. Read our review of Bank of America’s business checking for more information.
No foreign transaction fee: Use your card for international purchases without additional costs.

This card is also one of our best business credit cards for travel. 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. If you’d like to open an account with the provider, see our review of Bank of America’s business checking.

Bank of America Business Advantage Customized Cash Rewards: 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

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

Intro APR

0%
9 billing cycles

Regular APR

18.49% - 28.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
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
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

0%
9 billing cycles

Regular APR

18.49% - 28.49% Variable APR on purchases

Annual Fee

$0.00

Credit Needed

Excellent

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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
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
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 stations & EV charging stations (default), 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.

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%.

Redeem rewards for 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. Being able to choose your preferred spending category where you can earn premium rewards is why it earned a spot in our roundup of the best small business credit cards.

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

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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

See Rates
& Fees

Intro APR

N/A

Regular APR

19.49% - 27.49% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

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

See Rates & Fees

Why we like it: If your business makes frequent purchases from Amazon brands, you will benefit from Amazon Business American Express Card without having to pay a membership fee. You can take advantage of either a 60-day term or 3% cash back on the first $120,000 in purchases at Amazon, Whole Foods Market, Amazon Business, and AWS. Plus, you can also enjoy the following benefits:

Ongoing rewards on other purchases: Earn 2% cash back on dining, gas, and wireless phone services purchased directly from service providers and 1% cash back on all other purchases.
Welcome offer: Receive a $100 Amazon Gift Card upon approval without any spending requirements.
No foreign transaction fees: Use your card to make purchases outside of the country without having to pay international fees.

It is one of our leading business cards for Amazon purchases because it comes with a low cost and generous rewards.

PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR With Fixed-rate 1.5% Cash Back & Generous Sign-up Bonus

PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders who want to earn fixed-rate cash back rewards

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

19.24% to 27.24% variable

Annual Fee

Credit Needed

Good - Excellent

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
No annual fee

Pros

Charges $0 annual fees
Has a sign-up bonus
Has a low regular annual percentage rate (APR) for both purchases and balance transfers

Cons

Does not have a 0% introductory period on balance transfers
Requires to have 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.

Intro APR

0% for 9 billing cycles

Regular APR

19.24% to 27.24% variable

Annual Fee

Credit Needed

Good - Excellent

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
No annual fee

Pros

Charges $0 annual fees
Has a sign-up bonus
Has a low regular annual percentage rate (APR) for both purchases and balance transfers

Cons

Does not have a 0% introductory period on balance transfers
Requires to have 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.

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 a low starting APR—the lowest among all other unsecured business cards on our list. It also offers other ways to save money, such as:

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—this is the highest offer among other cards on this guide for this spending requirement.
0% APR for nine months: Benefit from zero-interest period on purchases. Even though it only lasts for nine months, which is typically shorter than what most business cards offer, it is still one of our best business credit cards with 0% APR because of its low ongoing APR after the introductory offer ends.

It is also 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 Who Want Fixed-Rate Cash Back

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

30.74% 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

30.74% 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 enjoy the following benefits:

Unlimited cash back: Get a fixed-rate 1% cash back on all business purchases, with no limits or expense categories, and 5% on car rentals and hotels booked directly through Capital One Travel. 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 easily qualify for the card. It is 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.

Valley Visa® Secured Business Credit Card: Best for Business Owners With Low Credit That Need a 0% APR Period & Cash Back

Visit Visa Secured Business Credit Card webpage.

Valley Visa® Secured Business Credit Card

BEST FOR:

Those who need a secured business credit card with fixed-rate cash back rewards