10 Business Credit Cards With No Annual Fee
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Running a small business comes with a myriad of fees and payments you can’t avoid. Luckily, your credit card doesn’t have to be one of them.
We divided the top business cards into three categories: daily driver, triple play, and category king.
Daily driver credit cards are those you pull out for most purchases. They usually offer a flat rate on purchases like 2% cash back or 2x points or miles. If you only want one business credit card, make it one of these.
Triple play cards offer at least 3% (or 3x points) on at least three different categories, such as gas, dining, office supplies, etc. If you’re going to add a second business credit card, a triple play card is a great complement to a daily driver card.
Finally, category king cards offer up to 5% cash back, but only in one or two categories. These cards are great for purchases in this one category, and complement a daily driver and triple-play credit card very well. This three-card cash back strategy may be the most efficient way to maximize cash back.
Daily Driver Business Credit Cards With No Annual Fee
If you don’t already carry a business credit card, one of these daily drivers is a good choice for your first business credit card.
The American Express Blue Business Cash™ Card
Our Rating: 4.6
The American Express Blue Business Cash™ Card
Welcome Offer
Earn a $250 statement credit
Est. Value
$250
Annual Fee
No annual fee
APR
17.99% – 25.99% Variable
Credit Req’d
Good, Excellent
Rewards: Earn 2% cash back on all eligible purchases, up to $50,000 per year. Earn 1% on eligible purchases after that. Terms Apply.
The Blue Business® Plus Credit Card from American Express
Our Rating: 4.5
The Blue Business® Plus Credit Card from American Express
Welcome Offer (Terms Apply)
Earn 15,000 Membership Rewards® points
Est. Value
Up to $300
Annual Fee
No annual fee
APR
17.99% – 25.99% Variable
Credit Req’d
Good, Excellent
Rewards: 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.
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
Bonus Offer
Earn $900 bonus cash back
Annual Fee
$0
APR
17.99% – 23.99% Variable
Credit Req’d
Excellent, Good
Rewards: Earn unlimited 1.5% cash back on all eligible purchases. This card is ideal for business owners who want a simple rewards system.
Capital One Spark Cash Select
Our Rating: 4.7
Capital One Spark Cash Select
Welcome Offer
$500 Cash Back
Est. Value
$500
Annual Fee
$0
APR
17.99% – 23.99% Variable
Credit Req’d
Excellent
Rewards: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel and unlimited 1.5% cash back for all your other business purchases.
Capital One Spark Miles Select for Business
Our Rating: 4.0
Capital One Spark Miles Select for Business
Welcome Offer
50,000 Miles
Est. Value
Up to $875
Annual Fee
$0
APR
17.99% – 23.99% Variable
Credit Req’d
Good 670 – 739
Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.5x miles on every purchase.
Wells Fargo Signify Business Cash(SM) Card
Our Rating: 4.5
Wells Fargo Signify Business Cash(SM) Card
Welcome Offer
$500
Est. Value
$500
Annual Fee
$0
APR
18.49% to 26.49% Variable
Credit Req’d
Good to Excellent 670 – 850
Rewards: Earn an unlimited 2% cash back on all eligible purchases.
Triple Play Business Credit Cards With No Annual Fee
Once you have your daily driver, consider adding one of these triple play credit cards to maximize your rewards. Each one offers at least 3% cash back (or 3x points or miles) in at least three categories.
Ink Business Cash® Credit Card
Our Rating: 4.8
Ink Business Cash® Credit Card
Welcome Offer
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400
Est. Value
Up to $750
Annual Fee
$0
APR
17.99% – 23.99% Variable
Credit Req’d
Excellent, Good
Rewards: 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.
Costco Anywhere Visa® Business Card By Citi
Our Rating: 4.0
Costco Anywhere Visa® Business Card By Citi
Welcome Offer
None
Est. Value
None
Annual Fee
$0 (requires Costco membership)
APR
19.99% – 27.99% Variable
Credit Req’d
Excellent 740 – 850
Rewards: Earn 4% cash back on gas and EV charging stations for the first $7,000 a year (then 1%); 3% cash back on restaurants, 3% cash back on eligible travel; 2% cash back on Costco and Costco.com purchases, and 1% cash back on all other purchases.
U.S. Bank Triple Cash Rewards Visa® Business Card
Our Rating: 4.5
U.S. Bank Triple Cash Rewards Visa® Business Card
Welcome Offer
$750
Est. Value
$750
Annual Fee
$0
APR
18.49% – 27.49% Variable
Credit Req’d
Good to Excellent 670 – 850
Rewards: Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center; 3% cash back on eligible purchases at gas and EV charging stations, cell phone service providers, office supply stores, and restaurants, and 1% cash back on all other eligible purchases.
Category King Credit Cards With No Annual Fee
If you make a lot of business purchases from Amazon or Whole Foods, consider adding the card below to your wallet.
Amazon Business Prime American Express Card
Our Rating: 4.0
Amazon Business Prime American Express Card
Welcome Offer (Terms Apply)
Eligible Prime Members get a $125 Amazon Gift Card
Est. Value
$125
Annual Fee
No annual fee
APR
18.99% – 26.99% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter. Earn 2% cash back at U.S. restaurants, U.S. gas stations, and wireless telephone services purchased directly from U.S. service providers. 1% cash back on other purchases. Terms Apply.
Summary
Small business owners have tons of fees to keep track of, so there’s no reason your credit card needs to have an annual fee as well. There are a lot of great business credit cards that don’t charge an annual fee, and one (or more) will suit you perfectly.