Best Business Credit Cards with No Annual Fee

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If you want to use a no-annual-fee business credit card to earn rewards for your business purchases, you have plenty of great cards to choose from. From the Bank of America® Business Advantage Cash Rewards Mastercard® with 3% cash rewards on select purchases to the Capital One® Spark® Cash Select for Business that offer unlimited 1.5% cash back on everything, you have many choices of business cards with no annual fee to earn extra rewards on business spending.

No-annual-fee business credit cards may not give you the highest rewards, but they help you rack up moderate rewards without paying an annual fee. You are still able to accumulate lucrative rewards in cash or in points that can usually redeemed for free travel or gift cards. Here is a quick rundown of the top small business credit cards with no annual fee that can help you earn rewards on your purchases.

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening - with no annual fee, no cap on the amount of cash rewards you can earn and they don't expire.
  • 3% cash back on purchases at gas stations and office supply stores (up to $250,000 each calendar year, 1% after that), 2% on purchases at restaurants, and 1% on all other purchases.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America® checking or savings account.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier - Gold 25%; Platinum 50%; or Platinum Honors 75%.
Intro APR
0% on Purchases
Intro APR Period
9 billing cycles
Regular APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0

  • 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 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Plus, if you're a Business Advantage Relationship Rewards client, you can get up to a 75% rewards bonus on the base earn of every purchase you make. Your rewards bonus is based on your enrolled tier - Gold 25%; Platinum 50%; or Platinum Honors 75%.
Intro APR
0% on Purchases
Intro APR Period
9 billing cycles
Regular APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Annual Fee
$0

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
Intro APR
0% on Purchases
Intro APR Period
9 months
Regular APR
14.74% - 22.74% (Variable)
Annual Fee
$0

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 14.74% - 22.74% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro APR
0% on Purchases
Intro APR Period
9 months
Regular APR
14.74% - 22.74% (Variable)
Annual Fee
$0

  • 3% Earnings on purchases at gas stations, restaurants, and office supply stores; 1% Earnings on all other purchases; plus, 5% Earnings on purchases of GM parts, accessories and service at authorized GM dealers - all of which can be exclusively redeemed toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle
  • No annual fee, no limit to how much you can earn and redeem, and your Earnings don't expire on an open Account; plus, a 0% Intro APR on purchases for the first 12 months and a variable APR of 18.99% after that
Intro APR
0% on Purchases
Intro APR Period
12 months
Regular APR
18.99% Variable
Annual Fee
$0

  • Get a $200 statement credit when you make at least $500 in net purchases within 60 days of your account opening.
  • Save on interest with a competitive purchase APR.
  • No annual fee.
  • 0% Introductory APR on purchases for your first 7 billing cycles.
  • Employee cards at no additional cost to you and with credit limits you set.
Intro APR
0% on Purchases
Intro APR Period
7 billing cycles
Regular APR
11.24% - 22.24% Variable APR on purchases and balance transfers
Annual Fee
$0

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Intro APR
N/A
Intro APR Period
N/A
Regular APR
24.74% (Variable)
Annual Fee
$0

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