Best Business Credit Cards With No Annual Fee in 2024

The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a 0% introductory APR on purchases.

• Introductory Offers
  • Earn a $250 statement credit after spending $3,000 in the first 3 months.
  • Enjoy a 0% intro APR on purchases for 12 months from the date you open your account. After the intro period, a variable APR of 17.49% – 25.49% applies, depending on your creditworthiness. APRs will not exceed 29.99%. See Rates and Fees
• Rewards
  • Earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%. Cash back is automatically credited to your statement.
• APRs, Fees, and Penalties
  • No annual fee. See Rates and Fees
• Perks & Benefits
  • With Expanded Buying Power, you can spend beyond your credit limit. The amount is flexible and adapts to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.

• Introductory Offers

  • Earn 15,000 Membership Rewards® points after spending $3,000 in the first three months.
  • Enjoy a 0% intro APR on purchases for 12 months from account opening, then a variable APR of 17.49% - 25.49% after that. APR will not exceed 29.99%. See Rates and Fees

• Rewards

  • Earn 2X points on everyday business purchases like office supplies and client dinners, up to $50,000 per year. After that, earn 1 point per dollar.

• APRs, Fees, and Penalties

  • No annual fee. See Rates and Fees

• Perks & Benefits

  • Expanded Buying Power lets you spend beyond your credit limit, adapting to your card usage and payment history. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
  • Terms Apply.

This card is a great all-round business card, offering a decent flat rate for rewards, a sizable sign up bonus and the convenience of no additional fees for foreign transactions. If you're a small business owner looking for a no-annual-fee cash back card, this deserves a spot on your shortlist.

Introductory Offers

• Earn a $500 bonus after spending $4,500 in the first three months.

Rewards

• Earn 1.5% cash back on all purchases.
• Enjoy 5% cash back on travel booked through Capital One Travel.

APRS, Fees, and Penalties

• No annual fee.
• No foreign transaction fees.

Perks & Benefits

• Free employee cards.
• Track and monitor all cards.
• Access business reporting options, including year-end itemized summaries for taxes and purchase records in multiple formats.

The Ink Business Cash® Credit Card is a savvy choice for small businesses, offering impressive rewards for common business expenses. Its standout welcome offer, decent introductory APR offer on purchases and absence of an annual fee make it highly beneficial. Plus, you can extend its advantages to your employees at no extra cost. Just be mindful of the foreign transaction fees and ensure timely repayments after the initial offer period to avoid high interest.

Introductory Offers

• Earn $350 cash back after spending $3,000 in the first three months.
• Earn an additional $400 cash back after spending $6,000 in the first six months.

Rewards

• Earn 5% cash back on the first $25,000 spent annually at office supply stores and on internet, cable, and phone services.
• Earn 2% cash back on the first $25,000 spent annually at gas stations and restaurants.
• Earn 1% cash back on all other purchases.

Perks & Benefits

• Enjoy Zero Liability protection for unauthorized charges.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.

APRS, Fees, and Penalties

• Benefit from a 0% introductory APR for 12 months on purchases, then a variable APR of 17.74% - 25.74% after that.
• No annual fee.

The Ink Business Unlimited® Credit Card is a practical choice for small business owners seeking simplicity and value. Its straightforward unlimited cash back rate on all purchases means you don't need to worry about tracking bonus categories. With a generous welcome offer, it's a great choice if you anticipate significant initial expenses. Plus, you won't have to think about offsetting the cost of this card, as there is no annual fee. Free employee cards will also help consolidate business expenses and accelerate rewards earning.

However, due to its foreign transaction fee and lack of intro APR for balance transfers, you may want to explore other options if you have frequent international expenditures or need to transfer a balance transfer. The Ink Business Unlimited® Credit Card is a versatile card offering substantial rewards and benefits for most small businesses.

Introductory Offers

• Earn $750 cash back after spending $6,000 in the first three months.
• Enjoy a 0% introductory APR on purchases for 12 months, then a variable APR of 17.74% - 23.74% after that.

Rewards

• Earn unlimited 1.5% cash back on every business purchase.

APRS, Fees, and Penalties

• No annual fee.

Perks & Benefits

• Benefit from Zero Liability protection against unauthorized charges.
• Get round-the-clock monitoring for unusual credit card purchases.
• Add employee cards at no additional cost and set individual spending limits.
• Redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.