Can finding a business credit card with no fees bring you valuable rewards? You are in the right place – you have some reliable options.
Small businesses and startups benefit from an annual fee card designed to meet entrepreneurial needs. Here are our top seven draft picks.
Related: The Best Business Credit Cards
Blue Business and American Express credit cards
Welcome quote: Spend $3,000 in eligible purchases in the first three months of your card membership and earn 15,000 bonus points.
Why it’s worth it: BlueBusiness® plus American Express credit card (See Interest Rates and Fees) All purchase years spent each year (then 1:1 per year) with a flat rate of 2 membership bonus points per dollar spent. This means that there are no reward categories that can be tracked or activated – you will receive the same reward rate for every purchase made with this card.
TPG’s August 2025 valuation of PEG AMEX points is 2 cents, making the bonus worth $300. That’s a 4% return on the $50,000 cap each year. Also, there is no additional fee for adding an employee card (see rates and fees).
Read our reviews on Blue Business and Cards for more details.
Apply here: Blue Business Plus
Ink business cash credit card
Welcome quote: Spend $3,000 in the first three months of opening an account, $3,000 in the first three months of opening an account, and earn $350 in the bonus cashback after spending $6,000 in the first six months of opening an account.
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Why it’s worth it: this Ink Business Cash® Credit Card (See rates and fees) Spend the first $25,000 of the first $25,000 on office supplies stores as well as cellular, landlines, internet and cable services, earning 5% cash back and returning 2% of the first $25,000 purchased at gas stations and restaurants each year. You will get an uncovered 1% cashback on everything else.
This Chase business card is unique because it allows you to redeem rewards as cashback (each point equals 1 cent), but if you have the final reward card, e.g. Chase Sapphire Priority® Card (See rates and fees), Chase SapphireReserve® (See rates and fees) or Ink Business First Choice® Credit Card (See Interest Rates and Fees) – You can choose to convert cash reserve earnings into final reward points that can be transferred entirely to Chase’s 14 airlines and hotel partners.
This flexibility, coupled with the bonus category of cash in the ink business, can bring healthy spending returns.
Read our review of Ink Business Cash for more details.
Apply here: Ink business cash
Unlimited credit card for ink business
Welcome quote: From the first three months of account opening, the $750 bonus is cashed back after purchasing $6,000.
Why it’s worth it: this Ink Business Unlimited® Credit Card (See rates and fees) Essentially Chase for Freedom® (See rates and fees) (minus the free unlimited bonus category).
It can earn 1.5% on purchases, not released. The 1.5% cashback you earn on all your spending can be improved by getting a card that earns the final reward, as you can redeemed the cashback as points, allowing you to get a return on spending of approximately 3.1% based on TPG’s August 2025 valuation.
The Ink Business Unlimited Purchase Limit is more free than the unlimited Purchase Limit and the main car rental insurance when renting for commercial purposes.
Read our full review of the Ink Business Unlimited for more details.
Apply here: Ink business unlimited
Related: The best way to reward points with AMEX membership bonuses
American Express Blue Business Cash Card
Welcome quote: Earn $250 in a stated credit after spending $3,000 on your card in your first three months.
Why it’s worth it: If you want a simple business card that can repay cash, American Express Blue Commercial Cash™ Card (See Rates and Fees) is an amazing option as there are no reward categories.
You will get 2% cash for all eligible purchases, the first $50,000 spent per year, and then 1%. Earned cash backs are automatically credited to your statement. You can also access the extended purchasing power when your business has to spend more than your credit limit. Additional staff cards are free (see rates and fees).
Read our review of the Blue Business Cash Card for more details.
Apply here: Blue Business Cash
Related: How to Redeem American Express Membership Rewards for Maximum Value
Capital One Spark Cash Choice
Welcome quote: Earn $500 in bonuses after spending $4,500 in the first three months of your account opening.
Why it’s worth it: Unlike many other cards on this list, Capital One Spark Cash Select does not charge foreign transaction fees, which is a great option if your business requires you to travel abroad. You will earn 5% cash back on hotels and cars booked through Capital One’s travel booking website and earn everything else in the process. This makes Spark Cash an excellent choice for business owners who don’t want to worry about the bonus category and just need simplicity.
Read our review of Spark Cash selection for more details.
Learn more: Capital One Spark Cash Choice
Related: Capital One Spark Business Card Guide
US Banking Advantage Travel Rewards World Mastercard Credit Card
Welcome quote: When you use this card to purchase $3,000 purchases within the first 90 days of your account opening, earn 30,000 points for travel with this card.
Why it’s worth it: this US Banking Advantage Travel Rewards Worldmastercard® Credit Card Earn unlimited 1.5 points per dollar per purchase, and if you are looking for a unified earner, you can get it a great option.
With this unfamiliar card, Bank of America’s preferred Rewards® member earns up to 75% per purchase. When redemption is required, you can use pointing statement points to travel purchase points, at a rate of 1 cent per point or cash back or gift cards.
Read our review of U.S. Banking Advantage Travel Reward Card for more details.
Apply here: US Banking Advantage Travel Reward Card
Related: The Best Bank Credit Cards in the United States
US Banking Advantage Customized Cash Rewards Mastercard Credit Card
Welcome quote: Earn $300 in online statement credit after you purchase at least $3,000 in your first 90 days of opening an account.
Why it’s worth it: this US Banking Advantage Customized Cash Rewards MasterCard® Credit Card If you want to customize your benefits, it can be a good choice. Each month, you can specify one of the following categories and get a 3% cash back on these purchases: gasoline and electric vehicle charging stations, office supplies stores, travel, television and telecommunications, computer services and business consulting services.
Additionally, although your cash amount revenue is $50,000, your cash reserve rate is capped at $50,000 per calendar year (and then 1%), but you will get a 2% discount and a 1% return. Combine your custom category with the profitability of Bank of America’s preferred rewards to maximize your rewards.
Read our review of U.S. Banking Advantages Custom Cash Reward Cards for more details.
Apply here: US Banking Advantage Customized Cash Reward Card
Related: How to choose a strategy for your small business credit card
Bottom line
The no-date business credit card above gives you profitable rewards. While you may not get the highest bonus rates on these cards, if you are a new business owner, it is a great place to start if you are a new business owner who will prioritize reducing overhead fees.
Related: Do I need a business to get a business credit card?
For the rates and fees of Blue Business Plus cards, click here.
For the rates and fees of the Blue Business Cash Card, click here.
