In search of a no-fee enterprise bank card that’ll internet you priceless rewards? You are in the correct place — and you have some stable choices.
Small companies and startups profit from no-annual-fee playing cards designed to cater to entrepreneurial wants. Listed here are our prime seven picks.
Associated: The most effective enterprise bank cards
The Blue Enterprise Plus Credit score Card from American Specific
Welcome provide: Earn 15,000 bonus factors after spending $3,000 in eligible purchases on the cardboard inside your first three months of card membership.
Why it is value it: The Blue Enterprise® Plus Credit score Card from American Specific (see charges and charges) earns a flat price of two Membership Rewards factors per greenback spent on all purchases for the primary $50,000 you spend every calendar yr (then 1 level per greenback thereafter). This implies there are not any bonus classes to maintain observe of or activate — you may earn the identical reward price throughout each buy you make with this card.
TPG’s August 2025 valuations peg Amex factors at 2 cents apiece, making this bonus value $300. It is a 4% return on spending as much as that $50,000-a-year cap. Plus, there is not any extra price so as to add worker playing cards (see charges and charges).
Learn our evaluation of the Blue Enterprise Plus card for extra particulars.
Apply right here: Blue Enterprise Plus
Ink Enterprise Money Credit score Card
Welcome provide: Earn as much as $750: $350 bonus money again after spending $3,000 on purchases within the first three months of opening an account plus an extra $400 after spending $6,000 on purchases within the first six months of opening an account.
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Why it is value it: The Ink Enterprise Money® Credit score Card (see charges and charges) earns 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on cellular telephone, landline, web and cable TV providers, plus 2% again on the primary $25,000 spent in mixed purchases at fuel stations and eating places annually. You will earn an uncapped 1% money again on the whole lot else.
This Chase enterprise card is exclusive in that it lets you redeem rewards as money again (with every level earned equal to 1 cent), however when you’ve got an Final Rewards-earning card — such because the Chase Sapphire Most well-liked® Card (see charges and charges), Chase Sapphire Reserve® (see charges and charges) or the Ink Enterprise Most well-liked® Credit score Card (see charges and charges) — you possibly can select to transform your cash-back earnings to Final Rewards factors which are totally transferable to Chase’s 14 airline and lodge companions.
That flexibility, coupled with the Ink Enterprise Money’s bonus classes, can result in a wholesome return on spending.
Learn our evaluation of the Ink Enterprise Money for extra particulars.
Apply right here: Ink Enterprise Money
Ink Enterprise Limitless Credit score Card
Welcome provide: $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Why it is value it: The Ink Enterprise Limitless® Credit score Card (see charges and charges) is actually the enterprise model of the Chase Freedom Limitless® (see charges and charges) (minus the bonus classes on the Freedom Limitless).
It earns you 1.5% again on purchases, uncapped. The 1.5% money again you earn on all spending will be boosted with a card that earns Final Rewards, since you possibly can switch your money again to redeem it as factors, getting you an approximate 3.1% return on spending primarily based on TPG’s August 2025 valuations.
The Ink Enterprise Limitless provides larger buy safety limits than the Freedom Limitless, together with major automotive rental insurance coverage when renting for enterprise functions.
Learn our full evaluation of the Ink Enterprise Limitless for extra particulars.
Apply right here: Ink Enterprise Limitless
Associated: Finest methods to make use of Amex Membership Rewards factors
The American Specific Blue Enterprise Money Card
Welcome provide: Earn a $250 assertion credit score after spending $3,000 in purchases in your card in your first three months.
Why it is value it: If you need a easy enterprise card that earns money again, The American Specific Blue Enterprise Money™ Card (see charges and charges) is a terrific possibility, as there are not any bonus classes.
You will earn 2% money again on all eligible purchases in your first $50,000 spent annually, then 1%. Money again earned is robotically credited to your assertion. It’s also possible to entry expanded shopping for energy when your corporation has to spend past your credit score restrict. Extra worker playing cards are free (see charges and charges).
Learn our evaluation of the Blue Enterprise Money Card for extra particulars.
Apply right here: Blue Enterprise Money
Associated: The best way to redeem American Specific Membership Rewards for max worth
Capital One Spark Money Choose
Welcome provide: Earn a $500 bonus after spending $4,500 within the first three months of account opening.
Why it is value it: Not like many different playing cards on this record, the Capital One Spark Money Choose would not cost international transaction charges, making it a sensible choice if your corporation requires you to journey overseas. You will earn 5% money again on motels and rental vehicles booked by way of Capital One’s journey reserving web site and a limiteless 1.5% again on the whole lot else alongside the way in which. This makes the Spark Money Choose a superb alternative for enterprise house owners who do not wish to fear about bonus classes and simply need simplicity.
Learn our evaluation of the Spark Money Choose for extra particulars.
Be taught extra: Capital One Spark Money Choose
Associated: A information to Capital One’s Spark enterprise playing cards
Financial institution of America Enterprise Benefit Journey Rewards World Mastercard bank card
Welcome provide: Earn 30,000 factors with this card whenever you use it to make $3,000 in purchases within the first 90 days of account opening — value $300 towards journey.
Why it is value it: The Financial institution of America® Enterprise Benefit Journey Rewards World Mastercard® bank card earns an uncapped 1.5 factors per greenback spent on each buy, making it an ideal alternative when you’re in search of a flat-rate earner.
Financial institution of America Most well-liked Rewards® members can earn as a lot as 75% extra per buy with this no-annual-fee card. When it comes time to redeem, you should utilize factors towards assertion credit for journey purchases at a price of 1 cent per level or for money again or present playing cards.
Learn our evaluation of the Financial institution of America Enterprise Benefit Journey Rewards card for extra particulars.
Apply right here: Financial institution of America Enterprise Benefit Journey Rewards card
Associated: The most effective Financial institution of America bank cards
Financial institution of America Enterprise Benefit Custom-made Money Rewards Mastercard bank card
Welcome provide: Earn a $300 on-line assertion credit score after spending a minimum of $3,000 in purchases within the first 90 days of your account opening.
Why it is value it: The Financial institution of America® Enterprise Benefit Custom-made Money Rewards Mastercard® bank card could be a nice possibility if you wish to customise your earnings. Every month, you possibly can designate one of many following classes and obtain 3% money again on these purchases: fuel and EV charging stations, workplace provide shops, journey, TV and telecommunications, pc providers and enterprise consulting providers.
Additionally, you may earn 2% again on eating and 1% again on all different purchases, although your heightened cash-back charges are capped at $50,000 in mixed purchases every calendar yr (then 1%). Couple your customized class with the incomes energy of Financial institution of America’s Most well-liked Rewards to maximise your rewards.
Learn our evaluation of the Financial institution of America Enterprise Benefit Custom-made Money Rewards card for extra particulars.
Apply right here: Financial institution of America Enterprise Benefit Custom-made Money Rewards card
Associated: The best way to choose a method in your small-business bank cards
Backside line
The no-annual-fee enterprise bank cards above allow you to rack up profitable rewards. Although you might not be incomes the best reward charges on these playing cards, they’re an ideal start line when you’re a brand new enterprise proprietor who needs to prioritize reducing overhead prices.
Associated: Do I want a enterprise to get a enterprise bank card?
For charges and charges of the Blue Enterprise Plus Card, click on right here.
For charges and charges of the Blue Enterprise Money Card, click on right here.
