Best No Annual Fee Business Credit Cards Of August 2026
From side hustles to corporations: The best business cards for every kind of entrepreneur.
How it works
- I include a range of travel & rewards cards on this page that I find useful in a specific category, but don’t intend to list every potential credit card out there
- Compare cards using the filter to find the right benefit or feature for your household spending
- Find my category specific recommendations under the filter options on each category page
Compare No Annual Fee Business Cards
Ink Business Unlimited® Credit Card
Limited Time: Earn $750 $1,000
- Earn unlimited 1.5% cash back on all business purchases
- Car Rental Coverage
- Extended Warranty Protection
The Ink Business Unlimited is the single best rewards credit card for everyday, non-bonused spending, without any sort of caps. The Ink Unlimited is a phenomenal card to consider for the 1.5x points, especially in conjunction with a card earning Ultimate Rewards points.
Earn unlimited 1.5% cash back on every purchase made for your business
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening, then a 16.74% - 24.74% variable APR
Intro Balance Transfer APR:
N/A
- Earn
$750$1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening - Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Earn
$1,000
Cash Back
Earn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
Ink Business Cash® Credit Card
Limited Time: Earn $750 $1,000
- Earn 5% Cash Back at office supply stores on the first $25k
- Earn 5% Cash Back on internet, cable TV, mobile phones, and landlines on the first $25k
- Car Rental Coverage
The Ink Business Cash is one of the most rewarding business credit cards out there. The key is that I wouldn’t recommend using this as your primary business credit card for everyday spending. Rather use this as a complement to your overall card portfolio.
The 5x points categories are really spectacular, so use those as much as possible. In conjunction with Ultimate Rewards, I value the 5x points at a return of 8.5%.
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
3% of each transaction in U.S. dollars
Annual Fee:
$0
Intro Purchase APR:
0% Intro APR on Purchases for 12 months from account opening, then a 16.74% - 24.74% variable APR
Intro Balance Transfer APR:
N/A
- Earn
$750$1,000 when you spend $8,000 on purchases in the first four months after account opening - Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
- Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
- Earn 1% cash back on all other purchases with no limit to the amount you can earn.
- Earn 5% total cash back on Lyft rides through 9/30/27.
- As a Chase cardmember, you'll be automatically checked for a credit line increase at least every 6 months.
- Complimentary three-month lnstacart+ membership.
- No Annual Fee
- 0% introductory APR for 12 months on purchases
- Member FDIC
Earn
$1,000
Cash Back
Earn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
Capital One Spark Cash Select
Earn a $750 bonus
- 1.5% cash back on all purchases
- No Annual Fee
- No Foreign Transaction Fees
If you're looking for a no annual fee business card, there's not another card that offers this rate of return all with no foreign transaction fees.
Earn unlimited 1.5% cash back for your business on every purchase, everywhere – with no limits or category restrictions
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
Foreign Transaction Fee:
None
Annual Fee:
$0
Intro Purchase APR:
0% intro on purchases for 9 months. After that, 16.74% - 26.74% (Variable)
Intro Balance Transfer APR:
N/A
- Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
- Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
- Enjoy a 0% APR for the first 9 months of opening
- No annual fee
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
- Rewards won't expire for the life of the account
- Redeem your cash back rewards for any amount
- Free employee cards, which also earn unlimited 1.5% cash back on all purchases
- $0 Fraud Liability for unauthorized charges
- Top rated mobile app
Earn
$750
Cash Back
Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening
The Blue Business® Plus Credit Card from American Express
Earn 15,000 Membership Rewards® points
- 2x points on purchases up to $50k then 1x
- Access to Amex Offers
If you’re into collecting points then the Blue Business Plus Card is an absolute must. Earning 2x Membership Rewards points (on up to 50k/year and then 1x), which I value at a ~3.4% return, is unrivaled. Best of all, you’re getting all of this with a no annual fee card that earns points that can be transferred to airline and hotel programs.
Blue Business Plus Card Review →
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0% on purchases for 12 months from the date of account opening, then a 16.74% - 28.49% variable APR
Intro Balance Transfer APR:
N/A
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Earn
15,000
Membership Rewards Points
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.
The American Express Blue Business Cash™ Card
Earn a $250 statement credit
- 2% cash back on the first $50k then 1% thereafter
- Access to Amex Offers
If you have a small business and are looking for a no annual fee, straightforward business credit card that earns cash back, then the Blue Business Cash is pretty tough to beat, at least for the first $50,000 spent.
Blue Business Cash Review →
Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
Learn more from these OMAAT posts:
Foreign Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Annual Fee:
No annual fee
Intro Purchase APR:
0.0% intro APR on purchases for 12 months from the date of account opening, then a 16.74% - 28.49% variable APR
Intro Balance Transfer APR:
N/A
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power*.
- * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee. Terms Apply. Learn More.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.