Running a business requires careful management of finances.
A good business credit card can help you earn rewards, manage expenses, and save on purchases.
But what if you could do all that without paying an annual fee?
In this post, we’ll explore the best rewards business credit cards that have no annual fee and offer great benefits.
Top Rewards Business Credit Cards with No Annual Fee
Here are some of the best rewards business credit cards no annual fee for 2025:
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Ink Business Unlimited® Credit Card
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American Express Blue Business Cash™ Card
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Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
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U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
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Wells Fargo Business Platinum Credit Card
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Brex Card for Startups
These cards offer no annual fee, which means you keep more money in your business.
Let’s look at each one in detail.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited® Credit Card is a top choice for small business owners.
This card offers a simple rewards structure with unlimited 1.5% cash back on every purchase.
Key Features:
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Unlimited 1.5% cash back
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$750 bonus after spending $6,000 in the first 3 months
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0% intro APR for 12 months
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No annual fee
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Free employee cards
Why It’s Great:
It’s perfect for businesses that want a straightforward rewards program without tracking categories.
American Express Blue Business Cash™ Card
If you want more flexibility, the American Express Blue Business Cash™ Card could be a good option.
It offers 2% cash back on the first $50,000 in purchases each year, and 1% thereafter.
Key Features:
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2% cash back on the first $50,000
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No annual fee
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0% intro APR for 12 months
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Expense management tools
Why It’s Great:
It’s ideal for businesses that want more cash back without worrying about categories.
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® is another great option.
This card offers 1.5% cash back on every purchase, with no annual fee.
Key Features:
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1.5% unlimited cash back
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$300 online statement credit bonus
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No annual fee
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No interest for the first 9 months
Why It’s Great:
It’s perfect for businesses that want a reliable cash back card with no annual fee.
U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®
The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® is designed for businesses that spend in specific categories.
It offers 3% cash back on the first $2,500 spent in categories like gas, office supplies, and restaurants.
Key Features:
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3% cash back on eligible purchases
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$500 welcome bonus
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0% intro APR for 15 billing cycles
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No annual fee
Why It’s Great:
This card works well for businesses with high spending in certain categories, like office supplies or gas.
Wells Fargo Business Platinum Credit Card
The Wells Fargo Business Platinum Credit Card is a flexible option for business owners.
It offers either 1.5% cash back or 1 point per dollar, depending on what works best for your business.
Key Features:
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1.5% cash back or 1 point per dollar
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No annual fee
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Employee cards at no extra cost
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0% intro APR for the first 9 months
Why It’s Great:
The flexibility to choose your rewards makes this a great option for different business types.
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Brex Card for Startups
The Brex Card for Startups is designed for newer businesses and startups.
It’s a great option for businesses that want rewards without needing a personal guarantee.
Key Features:
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Up to 8x points on selected purchases
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No personal guarantee required
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No annual fee
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Expense tracking and management tools
Why It’s Great:
If you’re a tech-forward business or startup, this card is a great option for earning rewards.
Why Choose a No Annual Fee Business Credit Card?
Choosing a no annual fee business credit card means you won’t have to pay extra just to keep the card.
Here are some reasons why this can benefit your business:
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Save Money: No annual fee means you keep more of your hard-earned cash.
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Simple Rewards: You don’t need to track categories to earn rewards.
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Great for Startups: New businesses don’t have extra fees to worry about.
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Employee Access: Most no-fee cards offer free employee cards, which helps you manage expenses.
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Flexible Rewards: Many no-fee cards offer flexible rewards like cashback, points, or travel perks.
No annual fee doesn’t mean you’re missing out on rewards.
You can still earn valuable perks without paying for the card each year.
What to Look for in a Rewards Business Credit Card
When choosing the best rewards business credit card, keep these factors in mind:
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Rewards Structure: Look for a card with a rewards program that matches your business spending.
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Welcome Bonus: A strong bonus offer can boost your rewards early.
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APR: A 0% intro APR can help you finance purchases.
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Account Tools: Some cards offer online tools for managing your account and expenses.
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Employee Cards: Free employee cards can help streamline your business purchases.
Choose a card that matches how your business spends.
That’s how you’ll get the most rewards and benefits.
How to Maximize Your Business Credit Card
To make the most of your no annual fee business credit card, follow these tips:
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Pay on Time: Avoid interest by paying your bills on time.
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Track Rewards: Use your rewards for business travel, equipment, or cash back.
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Separate Personal and Business Expenses: Keep your business expenses separate for easier bookkeeping.
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Review Statements: Check your statements for any unauthorized charges or errors.
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Use for Recurring Expenses: Set up subscriptions and regular expenses to be paid automatically with your card.
Maximizing your rewards is all about smart spending and timely payments.
Rewards Business Credit Cards: A Comparison Table
Here’s a quick comparison to help you choose the best card:
| Credit Card | Rewards Rate | Welcome Bonus | Intro APR | Annual Fee | Best For |
|---|---|---|---|---|---|
| Ink Business Unlimited® | 1.5% on all purchases | $750 after $6K | 12 months | $0 | Flat-rate cash back |
| AMEX Blue Business Cash™ | 2% on first $50K/year | None | 12 months | $0 | Flexible cashback |
| BofA Unlimited Cash | 1.5% flat rate | $300 after qualifying | None | $0 | BofA clients |
| U.S. Bank Triple Cash | 3% in bonus categories | $500 | 15 billing cycles | $0 | Bonus category rewards |
| Wells Fargo Business Platinum | 1.5% or 1 point/$ | None | Varies | $0 | Reward choice |
| Brex Card | Up to 8x points | Varies | None | $0 | Startups and SaaS |
Frequently Asked Questions
Q1. Can I get a business credit card with no personal guarantee?
Yes, cards like the Brex Card for Startups don’t require a personal guarantee.
Q2. Do business credit cards affect my credit?
Some business cards report to personal credit bureaus, but many report only to business credit bureaus.
Q3. Can sole proprietors get a business credit card?
Yes, even solo entrepreneurs and freelancers can apply for a business credit card.
Q4. Are rewards taxable?
In general, rewards are not taxable unless redeemed for cash or considered a rebate on deductible expenses.
Q5. How many employee cards can I get?
It varies by card, but many offer free employee cards.
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Conclusion
Finding the best rewards business credit card no annual fee is a smart way to boost your business’s finances.
With no annual fee, you can focus on earning rewards without worrying about extra charges.
These cards help you save money, earn cash back, and manage your business expenses effectively.
Choose the card that fits your spending habits and start reaping the benefits today!
