Looking for a no-fee business credit card that’ll net you valuable rewards? You’re in the right place — and you’ve got some solid options.
Small businesses and startups benefit from no-annual-fee cards designed to cater to entrepreneurial needs. Here are our top seven picks.
Related: The best business credit cards
The Blue Business Plus Credit Card from American Express
Welcome offer: Earn 15,000 bonus points after spending $3,000 in eligible purchases on the card within your first three months of card membership.
Why it’s worth it: The Blue Business® Plus Credit Card from American Express (see rates and fees) earns a flat rate of 2 Membership Rewards points per dollar spent on all purchases for the first $50,000 you spend each calendar year (then 1 point per dollar thereafter). This means there are no bonus categories to keep track of or activate — you’ll earn the same reward rate across every purchase you make with this card.
TPG’s August 2025 valuations peg Amex points at 2 cents apiece, making this bonus worth $300. This is a 4% return on spending up to that $50,000-a-year cap. Plus, there’s no additional fee to add employee cards (see rates and fees).
Read our review of the Blue Business Plus card for more details.
Apply here: Blue Business Plus
Ink Business Cash Credit Card
Welcome offer: Earn up to $750: $350 bonus cash back after spending $3,000 on purchases in the first three months of opening an account plus an additional $400 after spending $6,000 on purchases in the first six months of opening an account.
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Why it’s worth it: The Ink Business Cash® Credit Card (see rates and fees) earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services, plus 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. You’ll earn an uncapped 1% cash back on everything else.
This Chase business card is unique in that it allows you to redeem rewards as cash back (with each point earned equal to 1 cent), but if you have an Ultimate Rewards-earning card — such as the Chase Sapphire Preferred® Card (see rates and fees), Chase Sapphire Reserve® (see rates and fees) or the Ink Business Preferred® Credit Card (see rates and fees) — you can choose to convert your cash-back earnings to Ultimate Rewards points that are fully transferable to Chase’s 14 airline and hotel partners.
That flexibility, coupled with the Ink Business Cash’s bonus categories, can lead to a healthy return on spending.
Read our review of the Ink Business Cash for more details.
Apply here: Ink Business Cash
Ink Business Unlimited Credit Card
Welcome offer: $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.
Why it’s worth it: The Ink Business Unlimited® Credit Card (see rates and fees) is essentially the business version of the Chase Freedom Unlimited® (see rates and fees) (minus the bonus categories on the Freedom Unlimited).
It earns you 1.5% back on purchases, uncapped. The 1.5% cash back you earn on all spending can be boosted with a card that earns Ultimate Rewards, since you can transfer your cash back to redeem it as points, getting you an approximate 3.1% return on spending based on TPG’s August 2025 valuations.
The Ink Business Unlimited offers higher purchase protection limits than the Freedom Unlimited, along with primary car rental insurance when renting for business purposes.
Read our full review of the Ink Business Unlimited for more details.
Apply here: Ink Business Unlimited
Related: Best ways to use Amex Membership Rewards points
The American Express Blue Business Cash Card
Welcome offer: Earn a $250 statement credit after spending $3,000 in purchases on your card in your first three months.
Why it’s worth it: If you want a simple business card that earns cash back, The American Express Blue Business Cash™ Card (see rates and fees) is a terrific option, as there are no bonus categories.
You’ll earn 2% cash back on all eligible purchases for your first $50,000 spent each year, then 1%. Cash back earned is automatically credited to your statement. You can also access expanded buying power when your business has to spend beyond your credit limit. Additional employee cards are free (see rates and fees).
Read our review of the Blue Business Cash Card for more details.
Apply here: Blue Business Cash
Related: How to redeem American Express Membership Rewards for maximum value
Capital One Spark Cash Select
Welcome offer: Earn a $500 bonus after spending $4,500 in the first three months of account opening.
Why it’s worth it: Unlike many other cards on this list, the Capital One Spark Cash Select doesn’t charge foreign transaction fees, making it a good choice if your business requires you to travel abroad. You’ll earn 5% cash back on hotels and rental cars booked through Capital One’s travel booking site and an unlimited 1.5% back on everything else along the way. This makes the Spark Cash Select an excellent choice for business owners who don’t want to worry about bonus categories and just want simplicity.
Read our review of the Spark Cash Select for more details.
Learn more: Capital One Spark Cash Select
Related: A guide to Capital One’s Spark business cards
Bank of America Business Advantage Travel Rewards World Mastercard credit card
Welcome offer: Earn 30,000 points with this card when you use it to make $3,000 in purchases in the first 90 days of account opening — worth $300 toward travel.
Why it’s worth it: The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card earns an uncapped 1.5 points per dollar spent on every purchase, making it a great choice if you’re looking for a flat-rate earner.
Bank of America Preferred Rewards® members can earn as much as 75% more per purchase with this no-annual-fee card. When it comes time to redeem, you can use points toward statement credits for travel purchases at a rate of 1 cent per point or for cash back or gift cards.
Read our review of the Bank of America Business Advantage Travel Rewards card for more details.
Apply here: Bank of America Business Advantage Travel Rewards card
Related: The best Bank of America credit cards
Bank of America Business Advantage Customized Cash Rewards Mastercard credit card
Welcome offer: Earn a $300 online statement credit after spending at least $3,000 in purchases in the first 90 days of your account opening.
Why it’s worth it: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card can be a great option if you want to customize your earnings. Each month, you can designate one of the following categories and receive 3% cash back on those purchases: gas and EV charging stations, office supply stores, travel, TV and telecommunications, computer services and business consulting services.
Also, you’ll earn 2% back on dining and 1% back on all other purchases, though your heightened cash-back rates are capped at $50,000 in combined purchases each calendar year (then 1%). Couple your custom category with the earning power of Bank of America’s Preferred Rewards to maximize your rewards.
Read our review of the Bank of America Business Advantage Customized Cash Rewards card for more details.
Apply here: Bank of America Business Advantage Customized Cash Rewards card
Related: How to pick a strategy for your small-business credit cards
Bottom line
The no-annual-fee business credit cards above let you rack up lucrative rewards. Though you may not be earning the highest reward rates on these cards, they’re a great starting point if you’re a new business owner who wants to prioritize lowering overhead costs.
Related: Do I need a business to get a business credit card?
For rates and fees of the Blue Business Plus Card, click here.
For rates and fees of the Blue Business Cash Card, click here.