Earn 5% cash back in select business categories (on up to $25,000 per account anniversary year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per account anniversary year). Earn 1% cash back on all other purchases.
Various business credit cards don’t require cardholders to pay an annual fee for card ownership. Many are cash-back business cards, but some may provide flexible rewards. They tend to have fewer perks than paid-fee cards, but they can be a good option for smaller businesses, startups, and business owners who don’t want to worry about an annual cost.
These are the best no-fee business credit cards of 2024.
Earn 5% cash back in select business categories (on up to $25,000 per account anniversary year) and earn 2% cash back at gas stations and restaurants (on up to $25,000 per account anniversary year). Earn 1% cash back on all other purchases.
Earn unlimited 1.5% cash back on all purchases made for your business.
Earn 2X Membership Rewards® points on everyday business expenses up to $50,000 per year (then 1X points).
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Earn 2% cash back on up to $50,000 in combined eligible purchases each year, then 1%. Cash back earned is automatically credited to your statement.
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A no-annual-fee business credit card doesn’t require you to pay a yearly fee to keep your account open. While these cards don’t have annual fees, they may have other associated fees like foreign transaction fees, interest charges, and balance transfer fees.
If you don’t want the hassle of managing a credit card’s annual fee, one without a yearly cost may be a good option. However, these cards come with fewer additional benefits than their paid-fee counterparts.
If you travel frequently for business, a business travel credit card may provide more value, as they often come with benefits like TSA PreCheck or Global Entry fee credits, travel credits, and even airport lounge access. These perks can easily offset the yearly cost if they fit into your lifestyle.
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For rates and fees of The American Express Blue Business Cash™ Card, please visit this page.
For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit this page.
No, some business credit cards don’t require cardholders to pay an annual fee. However, these cards tend to have fewer benefits than paid-fee cards.
No issuer has the best business card, as the best choice is consumer-specific, but American Express, Capital One, and Chase Bank all offer excellent options.
Most business credit cards require good to excellent credit (670 to 850 FICO) to qualify for.
The best business credit card with no annual fee varies depending on your spending habits. We think the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card are two of the best options.
* Opinions expressed here are those of LA Times Compare and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.
All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publication. Please visit each bank's website directly for the most current information.