Looking for a business credit card that offers valuable perks without the burden of an annual fee?
No annual fee business credit cards provide small business owners with the opportunity to earn rewards and benefits on their everyday spending without the extra cost.
Best for Everyday Spending: The Blue Business® Plus Credit Card from American Express (review).
Best for Unlimited Rewards: Ink Business Unlimited® Credit Card (review).
Best for Cash Back: The American Express Blue Business Cash™ Card (review).
1. The Blue Business® Plus Credit Card from American Express
Best for Everyday Spending
- 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.
- 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, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
- No Annual Fee (rates & fees)
The Blue Business® Plus Credit Card from American Express (review) offers a strong 2x Membership Rewards points on the first $50,000 in purchases annually, making it an excellent no-annual-fee (rates & fees) option for small business owners. This card provides good value for everyday spending and access to Amex’s 20+ transfer partners, though it does have foreign transaction fees.
Welcome Bonus: 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.
Earning Points: 2 American Express Membership Rewards points per dollar on the first $50,000 spent on the card annually (then 1 point per dollar).
Card Benefits: Extended Warranty, Purchase Protection, Expanded Buying Power, and 0% Intro APR for 12 months on purchases for 12 months from the date of account opening, after that a reg_apr,reg_apr_type APR applies.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
2. Ink Business Unlimited® Credit Card
Best for Unlimited Rewards
The Ink Business Unlimited® Credit Card (review) offers a straightforward 1.5% cash back on all business purchases with no bonus categories to track and no annual fee. This card shines brightest when paired with premium Chase cards, allowing you to transform your rewards into valuable Ultimate Rewards points for transfers to travel partners.
Welcome Bonus: bonus_miles_full
Earn Rewards: Unlimited 1.5% cash back on all eligible purchases.
Card Benefits: Primary rental car insurance, purchase protection, extended warranty, and 0% intro APR for 12 months from account opening on purchases, after that a reg_apr,reg_apr_type APR applies.
3. The American Express Blue Business Cash™ Card
Best for Cash Back
The American Express Blue Business Cash™ Card (review) offers 2% cash back on the first $50,000 in eligible purchases annually, then 1% thereafter, with rewards automatically credited to your statement each billing cycle. This no-annual-fee card (rates & fees) provides a straightforward way for small businesses to earn cash back on expenses, though larger spenders may find more value in other options.
Welcome Bonus: bonus_miles_full
Earning Cash Back: 2% cash back on up to $50,000 in eligible purchases every calendar year. After that, the card earns 1% back. Your cash back on the Blue Business Cash appears as an automatic monthly statement credit.
Benefits: Extended warranty, purchase protection, secondary rental car insurance, Expanded Buying Power, and 0% Intro APR on purchases for 12 months from account opening, after that a reg_apr,reg_apr_type APR applies.
4. U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
Best for Gas and EV Charging
- Earn $600 after spending $4,500 in the first 150 days.
- 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
- 1% Cash Back on All Other Purchases.
- $100 Annual Software Credit for Recurring Subscription
- No Annual Fee
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 Common Business Expenses
The Ink Business Cash® Credit Card (review) packs serious value with no annual fee, offering excellent rewards at office supply stores and on internet, cable, and phone services. This business card stands out with its substantial welcome bonus and valuable perks like purchase protection and primary rental car coverage for business rentals.
Welcome Bonus: bonus_miles_full
Earn Rewards: 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.
Card Benefits: Primary rental car insurance, purchase protection, extended warranty, and 0% intro APR for 12 months from account opening on purchases, after that a reg_apr,reg_apr_type APR applies.
6. Amazon Business Prime American Express Card
Best for Amazon Prime Members
- bonus_miles_full
- 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market with an eligible Prime membership (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 & fees)
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).
Welcome Bonus: bonus_miles_full
Earning Rewards: 5% cash back or 90 Day Terms on all purchases made at Amazon, Amazon Web Services, and Whole Foods with eligible Prime Membership (up to $120,000 in purchases each calendar year, 1% back thereafter); 2% back at U.S. restaurants, U.S. gas stations, and U.S. wireless service providers; and 1% back on all other purchases.
Card Benefits: No foreign transaction fees, extended warranty, purchase protection, secondary rental car insurance, baggage insurance plan, and access to Amex Offers.
7. Costco Anywhere Visa® Business Card by Citi
Best for Travel & Shopping at Costco
- 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
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.
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here. 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 rates and fees of the American Express Blue Business Cash™ Card, please click here. 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 rates and fees of the Amazon Business Prime American Express Card, please click here. 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.
