7 best business credit cards with no annual fee for November 2025
- 7 best business credit cards with no annual fee
- How to choose the right no-annual-fee business card
- Get a Ramp Business Credit Card with no annual fee
Finding the right business credit card with no annual fee helps your company manage everyday spending and build credit without paying to access rewards. These cards combine flexibility with cost control, ideal for startups and growing businesses that want purchasing power without extra overhead.
No-annual-fee business credit cards typically offer straightforward cashback or points programs. Flat-rate options give predictable returns on every purchase, while category-based cards reward specific expenses such as travel, gas, or office supplies. Some providers evaluate your company’s revenue and payment history instead of relying solely on personal credit, making them accessible to newer or fast-scaling businesses.
If your goal is to simplify spend management while earning rewards, no-fee cards strike a strong balance between savings and flexibility. They also make it easier to separate business and personal expenses, an essential step in building your business credit profile.
Key takeaways
- No-annual-fee business credit cards let companies earn rewards without paying yearly costs
- Flat-rate cards provide predictable returns; category-based cards reward specific expenses such as travel or office supplies
- Evaluate total fees, rewards structure, and credit requirements to find the right fit for your business
7 best business credit cards with no annual fee
No-annual-fee business credit cards reward everyday spending while helping companies avoid recurring costs. Flat-rate cards offer predictable cashback across all purchases, while category-based cards reward common business expenses such as travel, gas, or office supplies. These cards below combine strong rewards, accessible qualification standards, and no annual fee.
The following table summarizes the main features of today’s leading no-annual-fee business credit cards so you can compare rewards, fees, and benefits at a glance:
| Card | Annual fee | Rewards rate | Intro offer | Foreign transaction fee | Employee cards | Reports to bureaus |
|---|---|---|---|---|---|---|
| Ramp Business Credit Card | $0 | Flat cashback on all purchases | None | None | Unlimited, free | Yes |
| U.S. Bank Business Triple Cash Rewards | $0 | 3% on gas, office supplies, cell service, restaurants; 1% on other | $750 bonus after $6,000 in 180 days | 3% | Free | Yes |
| Chase Ink Business Unlimited® | $0 | 1.5% cashback on all purchases | $750 bonus after $6,000 in 3 months | 3% | Free | Yes |
| Capital One Spark Classic | $0 | 1% cashback on all purchases | None | 3% | Free | Yes |
| American Express Blue Business Plus | $0 | 2X points on first $50,000 per year, then 1X | None | 2.7% | Free | Yes |
| Bank of America® Business Advantage Customized Cash Rewards | $0 | 3% on category of choice, 2% at restaurants, 1% on other purchases | $300 bonus after $3,000 in 90 days | 3% | Free | Yes |
| Wells Fargo Business Platinum Credit Card | $0 | 1.5% cashback or 1X points per $1 + 1,000-point monthly bonus | 0% intro APR for 9 months (no bonus) | 3% | Free | Yes |
How we choose the best no-annual-fee business credit cards
We review a range of business credit cards to identify options that balance value, accessibility, and transparency. Our evaluation includes cards from major banks, fintech providers, and payment networks to ensure coverage across different business needs.
- Fees and pricing: Annual, foreign transaction, and late fees directly affect total card cost; cards with minimal or no fees rank higher
- Rewards and earning potential: We compare flat-rate and category-based cashback programs, point structures, and redemption flexibility
- Accessibility: Qualification standards, such as credit requirements, revenue minimums, and personal guarantee policies, determine how broadly each card can serve small businesses and startups
- Extra features: Expense controls, accounting integrations, or employee card management tools add value beyond rewards
- Issuer reputation and reliability: Only cards from established financial institutions or fintechs with transparent terms are included
Each recommendation is based on publicly available information and current offers as of publication.
Ramp Business Credit Card
- No annual, late, or interest fees: Ramp eliminates all recurring fees, helping businesses save without worrying about hidden costs.
- No personal guarantee required: Approval is based on business financials, not personal credit, allowing founders to build business credit safely.
- Higher, flexible credit limits: Ramp determines limits using company cash flow and balances—often much higher than traditional cards.
- Flat-rate cashback: Earn cashback on every purchase with no category tracking or rotating rewards.
- Automated expense management: Track spend in real time and automate receipt matching through Ramp’s integrated platform.
- Direct accounting integrations: Sync with QuickBooks, Xero, and NetSuite to simplify reconciliation and reporting.
- If your business prioritizes maximizing rewards in specific categories such as travel or dining, Ramp may offer less value.
- Not suitable for sole proprietors: Ramp requires a registered business entity (LLC, LP, or corporation) to qualify.
- No ability to carry a balance: As a charge card, Ramp requires full payment each month, so it’s not ideal for financing purchases.
The Ramp Business Credit Card provides cashback on purchases and comes with no annual fee or foreign transaction fees. It offers integrated tools for expense management, including spend controls and automated reporting features. The card does not require a personal guarantee, and there is no preset spending limit, allowing for flexibility based on business needs.
Ramp also integrates with accounting software to help businesses track spending and simplify reconciliation. Its analytics tools provide detailed reports on financial activity, enabling businesses to monitor and control expenses effectively. The card is designed to support businesses in managing costs while earning cashback on their purchases.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard
- No annual fee: Save money by avoiding annual fees while enjoying card benefits.
- 3% cashback on eligible purchases: Earn cashback on purchases like gas, office supplies, and cell phone services.
- Welcome bonus of $500 cashback: After meeting spending requirements, you can earn a generous cashback bonus.
- 3% foreign transaction fee: Additional costs when making international purchases.
- Late payment penalty APR up to 29.99%: High penalty APR for late payments.
- Rewards are capped: Cashback is capped at $50,000 in annual spending; beyond that, the rate may decrease.
- Cashback only in certain categories: Rewards are limited to specific spending categories.
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard earns 3% cashback at gas stations, office supply stores, restaurants, and on cell phone services, plus 1% on other purchases. Businesses can earn a $750 bonus after spending $6,000 in the first 180 days. The card also offers 15 months of 0% APR on purchases and balance transfers before switching to a variable APR between 18.49% and 27.49%.
This card works well for teams that spend heavily in select categories but may not maximize rewards on more varied purchases. Its 0% APR period can help with large initial expenses or balance transfers.
Chase Ink Business Unlimited® Credit Card
- Cash back rate: Provides 1.5% cash back on all purchases, without category restrictions.
- Annual fee: Includes no annual fee.
- Introductory bonus: Offers a $750 cash back bonus after spending $6,000 within the first 3 months.
- Introductory APR: Features a 0% introductory APR on purchases for the first 12 months.
- Employee cards: Allows employee cards with spending limits at no additional cost.
- Bonus categories: Does not offer higher earning rates in specific spending categories.
- Foreign transaction fees: Charges a 3% fee on purchases made outside the U.S.
- Credit requirement: Typically requires a good to excellent credit score for approval.
The Chase Ink Business Unlimited® Credit Card provides unlimited 1.5% cashback on all purchases, with no annual fee and a $750 bonus after spending $6,000 in the first three months. The variable APR ranges from 17.74% to 23.74% depending on credit profile.
The flat-rate structure suits businesses with diverse spending patterns that prefer predictable, easy-to-track rewards. However, there’s no introductory 0% APR period, which may limit its usefulness for businesses financing larger purchases.
Capital One Spark Classic
- No annual fee: Access credit without additional costs.
- 1% cashback on all purchases: Earn unlimited cashback on every transaction.
- No foreign transaction fees: Useful for businesses with international expenses.
- Available to business owners with fair credit: More accessible approval compared to cards requiring excellent credit.
- High 29.99% APR: Significantly higher than average, costly if carrying a balance.
- Lower rewards rate: 1% cashback is lower than many competitors.
- Lower spending limits: May not meet the needs of businesses with higher expenses.
- Few additional perks or business tools: Limited extra benefits beyond basic cashback.
The Capital One Spark Classic earns 1% cashback on every purchase and has no annual fee. Designed for businesses with fair credit, it includes standard protections such as fraud monitoring and the ability to issue employee cards at no extra cost.
The 29.99% variable APR is relatively high, so it’s better suited to businesses that pay their balances in full each month. While the rewards rate is modest, the ability to build business credit makes it a practical starter option.
American Express Blue Business Plus
- No annual fee: Access Amex benefits without annual costs.
- 2X Membership Rewards points: Earn double points on the first $50,000 spent annually, then 1X points thereafter.
- Access to American Express benefits: Utilize Amex's expense management tools and customer service.
- 2.7% foreign transaction fee: Adds costs for international purchases.
- Points cap at $50,000 annually: After reaching the cap, rewards rate decreases.
- Limited flexibility for higher spending: May not suit businesses with spending over $50,000 per year.
- Few business-specific perks beyond points: Lacks extensive business management features.
The American Express Blue Business Plus earns 2X Membership Rewards® points on the first $50,000 spent each year, then 1X thereafter. It includes benefits such as purchase protection, extended warranty coverage, and the option to spend beyond the limit with timely repayment. The card carries no annual fee.
This card is ideal for businesses that value transferable points over immediate cashback. The $50,000 annual cap on 2X earnings may limit value for companies with higher spending, but its flexible rewards program remains strong for moderate spenders.
Bank of America® Business Advantage Customized Cash Rewards Credit Card
- Choose your 3
- $300 online cash rewards bonus after $3,000 in spending within 90 days
- No annual fee
- 3% foreign transaction fee
- Bonus categories capped at $50,000 per year
- APR can be high for revolving balances
The Bank of America Business Advantage Customized Cash Rewards Credit Card earns 3% cashback in a category you choose, such as gas, office supply stores, travel, or business consulting, plus 2% at restaurants and 1% on other purchases. Bonus-category earnings apply to the first $50,000 in combined 3% and 2% category purchases each calendar year, then 1%. The card carries no annual fee and offers a $300 online cash rewards bonus after $3,000 in spending within 90 days.
This card is well-suited to small businesses that spend heavily in a particular category and want control over where they earn extra cashback. However, it charges a 3% foreign transaction fee and has a variable APR ranging from 18.49% to 28.49% based on creditworthiness.
Wells Fargo Business Platinum Credit Card
- 0% intro APR on purchases and balance transfers for nine months
- Choose between flat cashback or points earning structure
- No annual fee and free employee cards
- No sign-up bonus
- No special category multipliers
- Limited travel or premium benefits
The Wells Fargo Business Platinum Credit Card offers a 0% intro APR for the first nine months on purchases and balance transfers, followed by a variable APR of 17.99% to 27.99%. It earns either 1.5% cash back on every purchase or 1 point per dollar spent plus a 1,000-point monthly bonus for spending $1,000 or more. The card has no annual fee and includes employee cards at no additional cost.
This card is useful for companies that want temporary interest-free financing for large purchases while earning steady rewards. Its reward structure is simpler than category-based cards but lacks premium benefits like travel credits or purchase protection.
How to choose the right no-annual-fee business card
Choosing the best business credit card for your business starts with how your company spends and what value you expect in return. The account opening process and eligibility requirements vary by issuer, so review what’s needed before you apply.
When deciding on a business credit card with no annual fee, it's important to consider other ongoing fees, rewards, introductory offers, and the cards' impact on your credit score. For most entrepreneurs, a small business credit card with no annual fee provides flexibility to manage expenses and earn rewards without adding overhead costs.
Consider ongoing fees that can add up
A no-annual-fee card removes one major cost, but other charges can still affect your total. Pay attention to:
- Foreign transaction fees: Many cards charge 2%–3% on international purchases; if your company spends abroad, choose a card with no foreign transaction fees (https://ramp.com/blog/no-foreign-transaction-fee-business-credit-cards)
- Late payment fees: Missing a due date can trigger fees and a penalty APR; review each issuer’s terms before applying
- Balance transfer fees: If you plan to consolidate debt, check the transfer fee, usually a percentage of the balance
- Employee cards: Some issuers charge for additional cards, while others include them free
Ramp removes many of these costs. There are no foreign transaction, late, or card-replacement fees, which makes monthly spending more predictable.
Skip the fees, keep the rewards
Ramp eliminates many common fee categories that other business cards charge, including foreign transaction fees, late fees, and card replacement fees. This transparent fee structure means you avoid unexpected charges while still benefiting from cashback rewards, making it easier to predict your total card-related costs.
Pick a rewards program that aligns with your spending
Credit card rewards are only valuable if they match your budget priorities. Start with how your business spends most often.
- Earning structure: Flat-rate cashback cards deliver consistent returns on all purchases; category cards pay higher rewards for expenses such as travel or software
- Redemption flexibility: Look for programs that allow statement credits or transfers to travel partners
- Reward caps: Some cards limit bonus earnings after you hit a threshold. Confirm your main expenses fall within the higher-earning range.
If your team spends across many categories, a flat-rate cashback card like Ramp’s can deliver steadier value month to month.
Check how the card may impact your credit
Business credit cards vary in how they report to credit bureaus and whether they require a personal guarantee:
- Minimum credit score: Most business cards require good to excellent credit (670+)
- Credit utilization: Using too much of your available credit can lower your score
- Personal guarantees: Some issuers tie the card to your personal credit history, which can affect you if the business misses payments
Can small businesses qualify for a no-annual-fee business credit card without a strong personal credit score?
Many issuers evaluate revenue, payment history, or business cash flow alongside personal credit. Some fintech providers, including Ramp, approve based on business performance rather than individual FICO scores.
Prioritize long-term value over introductory offers
Some no annual fee business credit cards offer lucrative introductory offers to attract new cardholders. These can include:
- Sign-up bonuses: Ensure normal spending will meet the requirement to earn any welcome reward
- 0 percent APR periods: Useful for large one-time purchases or short-term financing, but weigh the ongoing rate after the intro period ends
Intro offers can be appealing, but ongoing rewards, spending flexibility, and low fees will matter more as your business grows.
Get a Ramp Business Credit Card with no annual fee
If you’re looking for a fee-free card for your business, consider Ramp. Our business credit cards come with no annual fees, late fees, card replacement fees, or interest. Plus, earn cashback on purchases.
All you need to sign up for Ramp is an EIN number attached to a registered business and at least $25,000 in a U.S. bank account for your business. We don’t need your SSN or business credit score. Plus, our e-commerce underwriting program may help you get a higher credit limit than a traditional credit card.
Ramp’s spend management software and real-time insights also help you manage business expenses and get control of your cash flow. We also empower employees to spend responsibly with customizable spend limits and vendor controls on unlimited free employee business cards.
FAQs
Most no-annual-fee business credit cards require a personal credit score of at least 670 (good) to 700+ (excellent). Some cards, like Capital One Spark Classic, cater to fair credit (580–669), while premium rewards cards often need scores above 720. Ramp takes a different approach by evaluating your business performance instead of personal credit, making it accessible to businesses with strong financials even if founders have limited credit history.
Yes. Small businesses—including startups and sole proprietors—can qualify for no-annual-fee business credit cards. Issuers typically evaluate factors like personal credit score, business revenue, time in business, and existing debt. Newer businesses might start with secured or credit-building options before qualifying for traditional cards.
Business credit cards typically offer higher credit limits, business-focused rewards categories, and expense management tools, plus employee expense cards with customizable spending controls. They report to business credit bureaus (though some report to personal bureaus too). Personal credit cards usually emphasize consumer protections and individual rewards, rather than business-specific benefits.
No-fee business credit cards help separate business and personal expenses while building business credit without annual costs. They typically offer cashback rewards, spend tracking tools, and higher limits than personal cards, preserving cash flow and simplifying financial management.
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