8 Best Business Credit Cards with No Annual Fee [2023]

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Running a business costs a lot of money, so you might want to consider getting a card that doesn’t have hefty annual fees.

In fact, why not get a card that has no annual fees at all? In this article, we’ve round up some of the best business no annual fee credit cards that’s suitable for all types of business owners.

You’ll find several options that high rewards rates, big welcome offers, travel protection, buyer protection, long intro 0% intro APRs, and more

1. Blue Business® Plus Credit Card from American Express

Best for Everyday Spending

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards Points for $3,000 in Eligible Purchases in the First 3 Months
  • 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
  • 0.0% Intro APR on purchases for the first 12 months. After that, a variable APR of 17.99% – 25.99%.
  • No Annual Fee (Rates and Fees)
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The Blue Business® Plus Credit Card from American Express is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

2. Ink Business Unlimited® Credit Card

Best for Unlimited Rewards

$750 Welcome Bonus
Ink Business Unlimited® Credit Card
  • Earn $750 Bonus Cash Back After Spending $6,000 in the First 3 Months.
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Unlimited® Credit Card is a no-annual fee card that earns 1.5% cash back on all purchases, with a huge welcome bonus of $900 after spending $6,000 in the first 90 days.

It also pairs well with the Chase Sapphire Preferred or Chase Sapphire Reserve, which unlocks the ability to convert the Ink Business Unlimited cash back to airline and hotel points.

This combo allows you effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.

3. American Express Blue Business Cash™ Card

Best for Flexible Credit Limit

No Annual Fee
American Express Blue Business Cash™ Card
  • Earn a $250 Statement Credit After $3,000 in Eligible Purchases in the First 3 Months
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, a variable rate of 17.99% – 25.99% applies.
  • No Annual Fee (Rates and Fees)
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The American Express Blue Business Cash™ Card offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cash back rate on all qualifying purchases up to $50,000 each year (1% thereafter).

Offering an expanded buying power, the Blue Business Cash gives your business the flexibility to spend above your credit limit for your business expenses. 

4. U.S. Bank Triple Cash Rewards World Elite Mastercard®

Best for Gas, Office Supply Stores, and Restaurants

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
  • Earn $500 Cash Back After Spending $4,500 in the First 150 Days on the Account Owner’s Card
  • 5% Cash Back on Prepaid Hotels and Car Rentals via the U.S. Bank Travel Rewards Center
  • 3% Cash Back at Gas and EV Charging Stations, Office Supply Stores, Cell Phone Service, and Restaurants
  • $100 Annual Software Credit for Recurring Subscription
  • No Annual Fee
Learn More

The no-annual-fee U.S. Bank Triple Cash Rewards World Elite Mastercard® earns 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers, and restaurants.

5. Ink Business Cash® Credit Card

Best for Spending on Common Business Expenses

$750 Welcome Bonus
Ink Business Cash® Credit Card
  • Earn a $750 Cash Welcome Bonus After Spending $6,000 in the First 3 Months.
  • 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
  • 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The no-annual-fee Ink Business Cash® Credit Card currently offers a $900 cash-back bonus when you spend $6,000 in purchases in the first 3 months.

Plus, the Ink Business Cash earns:

  • 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.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases.

The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.

6. Amazon Business Prime American Express Card

Best for Amazon Prime Members

No Annual Fee
Amazon Business Prime American Express Card
  • Earn a $125 Amazon.com Gift Card Upon Approval
  • 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market (up to $120,000 in purchases each calendar year)
  • 2% Back at U.S. Restaurants, U.S. Gas Stations, and U.S. Wireless Phone Services
  • No Annual Fee and No Foreign Transaction Fees (Rates and Fees)
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The Amazon Business Prime American Express Card is a good choice for businesses who frequently spend at Amazon.com, AWS, Amazon Business, and Whole Foods because you get 5% cash back or 90-day terms on the first $120,000 in purchases each calendar year (1% back thereafter). 

7. Costco Anywhere Visa® Business Card by Citi

Best for Travel & Shopping at Costco

Costco Anywhere Visa® Business Card by Citi
  • 4% Cash Back on Eligible Gas and EV Charging for the First $7,000 Per Year, 1% Thereafter
  • 3% Cash Back on Restaurants and Travel
  • 2% Cash Back at Costco and Costco.com
  • No Foreign Transaction Fees
  • No Annual Fee
Learn More

The Costco Anywhere Visa® Business Card by Citi is a no-annual-fee card that earns 4% cash back on gas up to $7,000 per year (then 1%), 3% cash back at restaurants and eligible travel purchases, and 2% cash back at Costco. 

The Costco card also offers purchase protection and no foreign transaction fees.

8. Bank of America® Business Advantage Customized Cash Rewards Mastercard®

Best for Flexible Rewards Categories

Bank of America Business Cash Rewards
  • Earn a $300 Cash Statement Credit After Spending $3,000 in the First 90 Days
  • 3% Cash Back in Choice Category: Gas Stations, Office Supply Stores, Travel, TV/Telecom & Wireless, Computer Services, or Business Consulting Services
  • 2% Cash Back on Dining
  • Earn up to 75% More Cash Back with Preferred Rewards for Business Tier
  • No Annual Fee
Learn More

The Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card comes with a welcome offer of $300 after spending $3,000 within 3 months of account opening.

It’s a no-annual-fee card with that comes with solid rewards rates. Cardholders will earn 3% in the category of their choice (can be switched once per month), 2% on dining, and 1% on all other purchases.

There’s a $50,000 spending limit on combined purchases of the 3% and 2% categories.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the Amazon Business Prime American Express Card, please click here.

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