The 6 Best Business Credit Cards With No Annual Fee [May 2025]
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Card | Welcome Bonus Offer and Annual Fee | Benefits |
| Ink Business Unlimited® Credit Card |
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| Ink Business Cash® Credit Card |
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| The Blue Business® Plus Credit Card from American Express |
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| The American Express Blue Business Cash™ Card |
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1. Ink Business Unlimited® Credit Card (LOW Intro APR)
Terms Apply / Rates & Fees
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$0
0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Pros & Cons
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
Cons
- 3% foreign transaction fee
Card Highlights
- 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
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
The Ink Business Unlimited card offers outsized returns on all purchases without compromising on the flexibility of your rewards.
The biggest selling point of this card is the unlimited 1.5% cash-back on business purchases with no caps. That means you don’t need to worry about bonus categories, caps on earnings, and blackout dates.
In addition, you can earn 5% cash-back on Lyft purchases through September 30, 2027.
This credit card covers you with purchase protection, extended warranty, primary car rental insurance, roadside assistance, zero liability fraud protection, and employee cards for no additional fees. Don’t forget the card has a 0% intro APR on purchases for 12 months; variable 17.49% - 23.49% thereafter.
But one of the most important attributes of this card is that if you have the right credit card pairing, you can convert your cash-back to valuable Ultimate Rewards points at a 1% to 1x ratio.
2. Ink Business Cash® Credit Card (LOW Intro APR)
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
Up to $750
$0
0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 17.49% - 25.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros & Cons
Pros
- Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
- Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
- Travel insurance and purchase protection
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
Card Highlights
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 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
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; 17.49% - 25.49% variable thereafter.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center
Another great business credit card with no annual fee is the Ink Business Cash card, which is a fellow member of the family of Ink credit cards issued by Chase.
The major difference between the Ink Business Cash card and the Ink Business Unlimited card is in the earning structure:
- Earn 5% cash-back at office supply stores and on internet, cable, and phone services on the first $25,000 spent in combined purchases each account anniversary year.
- Earn 5% cash-back on Lyft purchases through September 30, 2027.
- Earn 2% cash-back at gas stations and restaurants on the first $25,000 spent in combined purchases each account anniversary year.
- Earn 1% cash-back on other purchases.
As a reminder, these rewards can be converted to Ultimate Rewards points if you have an Ultimate Rewards card like the Chase Sapphire Reserve® or Ink Business Preferred® Credit Card.
That will transform your 1%, 2%, or 5% cash-back into 1x, 2x, or 5x points, respectively. That means you’ll max out at a 10% return on spending!
Just like the Ink Business Unlimited card, you’ll get benefits like primary car rental coverage, purchase protection, extended warranty, zero liability protection, no additional fee for employee cards, and roadside assistance.
3. The Blue Business® Plus Credit Card from American Express
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
Up to $330
No annual fee
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
- 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
- Purchase protection and extended warranty protection
- No annual fee and employee cards at no additional cost
Cons
- No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
- No elite travel benefits like lounge access or elite status
Card Highlights
- 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, 17.49% - 27.49%, 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 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.
Financial Snapshot
- APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%.
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center
With the Amex Blue Business Plus card you can get 2x Membership Rewards points per dollar on everyday purchases for your business, up to $50,000 per calendar year. Beyond that, earn 1x points.
The Amex Blue Business Plus card gets you access to the Membership Rewards program, which is worth noting because getting access to a transferable program with a card that has a $0 annual fee is rare.
Also, you’ll get access to Amex Offers upon enrollment, purchase protection, extended warranty, secondary car rental loss and damage insurance, and employee cards for no additional annual fee (rates & fees).
4. The American Express Blue Business Cash™ Card
Terms Apply / Rates & FeesU.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
No annual fee
0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Why We Like This Card
Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.
This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.
Pros & Cons
Pros
- 2% cash-back on up to $50,000 in spend, then 1% back thereafter
- No annual fee
- Travel and purchase protection
Cons
- Not ideal for those who spend a lot on a specific category like groceries or gas
Card Highlights
- 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, 17.49% – 27.49%, 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.
- 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
Financial Snapshot
- APR: 0% on purchases for 12 months from date of account opening, then a variable rate of, 17.49% - 27.49% Variable
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Cash card is the only featured credit card that strictly focuses on cash-back.
The Ink Business Unlimited card and Ink Business Cash card both earn rewards that can be converted to transferrable points, whereas the Amex Blue Business Cash card earns only cash-back.
This card could be a great choice if you don’t need (or want) to earn travel rewards.
Then, earn 2% cash-back on everyday business purchases, up to $50,000 per year. After that, earn 1% cash-back on other purchases.
The cash-back is automatically credited to your statement every billing cycle, so you don’t actually even need to worry about redeeming your rewards.
The Amex Blue Business Cash card also includes a benefit known as Expanded Buying Power, which gives you the ability to spend beyond your credit limit to get business done. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
There’s also purchase protection, extended warranty, secondary car rental loss and damage insurance, and no additional fee for employee cards (rates & fees).
5. Capital One Spark Cash Select
The last card we’ll be discussing is the Capital One Spark Cash Select cardInformation collected independently. Not reviewed by Capital One.. Currently, this lovely card offers a welcome bonus offer, which will accelerate the rewards you initially earn.
Also, you are eligible to get up to 5% cash-back on purchases:
- 5% cash-back on hotels and rental cars booked through Capital One’s travel booking site
- 1.5% cash-back on other purchases
Additionally, you can get access to no foreign transaction fees, and employee cards at no additional cost.
6. Capital One Spark Miles Select for Business
The Capital One Spark Miles Select cardInformation collected independently. Not reviewed by Capital One. is packed with value and has a $0 annual fee.
You’ll earn up to 5x Capital One miles on purchases:
- 5x Capital One miles on hotels and rental cars booked via Capital One’s travel booking site
- 1.5x Capital One miles on other purchases
This is one of the few cards where you can access a full list of transfer partnerships without paying an annual fee.
Beyond that, there are no foreign transaction fees, and employee cards for no additional annual fee.
For the purchase protection benefit of The Blue Business® Plus Credit Card from American Express and The American Express Blue Business Cash™ Card, 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.
For the extended warranty benefit of The Blue Business® Plus Credit Card from American Express and The American Express Blue Business Cash™ Card, 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.
For the car rental loss and damage insurance benefit of the The Blue Business® Plus Credit Card from American Express and The American Express Blue Business Cash™ Card, 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.