Best Business Credit Cards with No Annual Fee
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A business credit card with no annual fee is exactly what it sounds like, a credit card that provides the business-oriented utilities that a small business owner needs, such as simplified purchase tracking and the ability to earn rewards on employee spending, without the monthly or annual membership fees that hurt your bottom line. The trade-off for not having an annual fee is that the rewards offered by the cards listed below, while competitive, might not be the most generous. If you are interested in maximizing the rewards you earn on business spending, check out business credit cards with rewards or our Editor’s Best Business Credit Cards. Before deciding on a card, you might also want to look into general-consumer no annual fee credit cards, since being a small business owner does not preclude you from using such a card if it better meets your needs. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
COMPARE BUSINESS CREDIT CARDS WITH NO ANNUAL FEE
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- No membership fees
- Qualify with bad credit
- Does not require security deposit
- Substantial business revenue needed to qualify
- Earn $750 initial rewards bonus
- No membership fees
- No foreign transaction fees
- 1.5% cash back on all purchases
- No intro APR on purchases
- No intro APR on balance transfers
- Requires excellent credit
- No membership fees
- 0% intro APR on purchases
- $750 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- Up to $750 initial bonus
- 1 - 5% cash back on purchases
- $0 annual fee
- Low intro APR on purchases
- 18.49% - 24.49% (V) regular APR
- 3% foreign transaction fee
- No membership fees
- 0% intro APR on purchases
- No foreign fee
- 1.5% cash back on all purchases
- No initial rewards bonus
- No intro APR on balance transfers
- High regular APR
- Requires good/excellent credit
- 0% for 12 months intro on purchases
- $0 annual fee
- Bonus rewards
- High regular APR
- Foreign fee
- No annual fee
- Intro APR on purchases
- High rewards rate
- $300 initial rewards bonus
- Spending caps on rewards
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- No membership fees
- No foreign transaction fees
- Qualify with limited credit history
- Does not require security deposit
- High regular APR
- No annual fee
- Intro APR on purchases
- $300 initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires excellent credit
- No annual fee
- Intro APR on purchases
- High rewards rate
- 30,000 points initial rewards bonus
- No intro APR on balance transfers
- Balance transfer fee
- Requires excellent credit
Questions & Answers
Comparing business credit cards with no annual fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Capital One Spark Miles Select for Business.
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