Not needing to pay annual fees is perfect for businesses that are looking for fairly basic features from their credit cards. Besides, many such cards come with rewards and various other benefits.
MoneyGeek's Take
Best Business Credit Cards for No Annual Fee in 2023
This article is part of our larger series on Best No Annual Fee Cards

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
Getting a no-annual-fee business credit card implies that you pay no annual fees for as long as your account remains active. Some such cards give you the means to capitalize on your spending by offering rewards or cash back.
Paying attention to different aspects when carrying out a no-annual-fee business cards comparison is crucial if you hope to find the one that works best for you. For instance, if you or your employees travel internationally for business, you may benefit by getting a no-annual-fee card that also does away with foreign transaction fees. The Costco Anywhere Visa® Business Card by Citi is one such example.
The best business credit cards with no annual fee typically offer various expense management tools, introductory bonus offers and basic travel benefits.

This article is part of our larger series on
Best No Annual Fee Cards
MoneyGeek's Take: Top 5 Business Credit Cards With No Annual Fee
Quick Summary
If you plan to maintain revolving balances in your account from one month to the next, pay particular attention to the annual percentage rate (APR) that comes with any no-annual-fee business credit card. Our selection of the top five cards from this category also takes into account other aspects such as reward/cash back rates, foreign transaction fees and added perks. Scroll further down to check out more options.
- American Express Blue Business Cash™ Card
A simple cash back rewards card that helps you avoid hassles
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–2% Cash Back*Rewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Gas
- The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
- Good–ExcellentRecommended Credit
- $0Annual Fee
- up to 2X Membership Rewards® pointsRewards Rate
- 1xRewards Rate on TV, Phone, Internet Services
- 1xRewards Rate on Online Shopping
- Capital One Spark Cash Select - $500 Cash Bonus
A great no-annual-fee business card with 1.5% cash back
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on Gas
- 1.5xRewards Rate on Groceries
- Ink Business Cash® Credit Card
Fantastic card for earning rewards on office supplies
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1–5% Cash Back*Rewards Rate
- 5xRewards Rate on TV, Phone, Internet Services
- 2xRewards Rate on Dining
- Ink Business Unlimited® Credit Card
A great business card with a flat, simple rewards structure and no annual fees.
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1.5% Cash BackRewards Rate
- 1.5xRewards Rate on TV, Phone, Internet Services
- 1.5xRewards Rate on Entertainment
Summary of the Best Business Cards for No Annual Fee
Take a quick look at the top no-annual-fee business credit cards based on aspects such as welcome offers, APRs and foreign transaction fees.
- Credit CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- A simple cash back rewards card that helps you avoid hassles1–2% Cash Back*$0
- Great no-annual-fee card for earning rewards on business spendingup to 2X Membership Rewards® points$0
- A great no-annual-fee business card with 1.5% cash back1.5% Cash Back$0
- Fantastic card for earning rewards on office supplies1–5% Cash Back*$0
- A great business card with a flat, simple rewards structure and no annual fees.1.5% Cash Back$0
While you won't receive the same welcome bonus, spending rewards and benefits as a card with an annual fee, many no-fee cards offer attractive benefits for budget-conscious businesses that want to avoid fees. -- Lee Huffman, credit card expert at BaldThoughts.com.
How to Compare Business Credit Cards & Intro Offers
Since you get to choose from multiple no-annual-fee business credit cards, it’s important that you compare them across different parameters.
Welcome offer
The best business credit cards from this category come with introductory spend-based offers. For example, you stand to earn a one-time $500 early spend bonus if you use the Capital One Spark Cash Select - $500 Cash Bonus Card to spend $4,500 on purchases within the first three months.
APR
The APR that applies to purchases requires your particular attention if you plan to keep rolling balances from one billing cycle to the next. If this is the case, you may benefit from getting a low APR credit card.
Foreign transaction fee
With business cards that charge foreign transaction fees, you can expect to pay 1% to 3% on each international transaction. If you or your employees travel overseas frequently, you might benefit by getting a no foreign transaction fee business card.
Reward/cash back rate
While several such cards offer rewards or cash back, their earn rates may vary. For example, the Ink Business Unlimited® Credit Card credit card offers 1.5% cash back on all business-related purchases. On the other hand, the Ink Business Cash credit card comes with up to 5% cash back on category- and limit-based spending.
Expense management tools
Another common feature among the top no-annual-fee business credit cards is that they give you access to different expense management tools. Most such business cards let you get additional employee cards at no extra cost. Integrating your credit card account with your bookkeeping software is usually possible. Some such cards provide downloadable purchase records and category-based year-end summaries as well.
Added perks
These can come in the form of complimentary roadside assistance, extended warranty, purchase protection, $0 fraud liability and the ability to set customized spending limits for employee cards.
Further Reading
About Rajiv Baniwal

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