{"id":221886,"date":"2026-02-09T14:30:24","date_gmt":"2026-02-09T14:30:24","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/02\/09\/the-best-no-annual-fee-business-credit-cards-the-points-guy-2\/"},"modified":"2026-02-09T14:30:24","modified_gmt":"2026-02-09T14:30:24","slug":"the-best-no-annual-fee-business-credit-cards-the-points-guy-2","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/02\/09\/the-best-no-annual-fee-business-credit-cards-the-points-guy-2\/","title":{"rendered":"The best no-annual-fee business credit cards – The Points Guy"},"content":{"rendered":"


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Looking for a no-fee business credit card that’ll help you earn valuable rewards? You’re in the right place \u2014 and you’ve got some solid options.<\/p>\n

These cards are especially useful for freelancers, side hustlers and small-business owners who want to earn points or cash back without adding another fixed cost to their monthly expenses. While no-annual-fee cards<\/a> typically include fewer premium perks than their high-fee counterparts, many still offer strong welcome bonuses<\/a> and competitive rewards earning rates.<\/p>\n

Here are our top seven picks.<\/p>\n

Related: The best business credit cards<\/a><\/strong><\/p>\n

The Blue Business Plus Credit Card from American Express<\/h2>\n

Welcome offer:<\/strong> Earn 15,000 bonus points after spending $3,000 in eligible purchases on the card within your first three months of card membership.<\/p>\n

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THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it:<\/strong> The Blue Business\u00ae Plus Credit Card from American Express<\/a><\/span> (see rates and fees<\/a>) earns a flat rate of 2 Membership Rewards points per dollar spent on all purchases for the first $50,000 you spend each calendar year (then 1 point per dollar thereafter). This means there are no bonus categories to keep track of or activate \u2014 you’ll earn the same reward rate across every purchase you make with this card.<\/p>\n

TPG’s February 2026 valuations<\/a> peg Amex points at 2 cents apiece, making this bonus worth $300. This is a 4% return on spending up to that $50,000-a-year cap. Plus, there’s no additional fee to add employee cards (see rates and fees<\/a>).<\/p>\n

Read our review of the Blue Business Plus card<\/a> for more details.<\/p>\n

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Apply here: Blue Business Plus<\/a><\/span><\/strong><\/p>\n

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Ink Business Cash Credit Card<\/h2>\n

Welcome offer:<\/strong> Earn $750 cash back after spending $6,000 on purchases in the first three months from account opening.<\/p>\n

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THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it: <\/strong> The Ink Business Cash\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>) earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services, plus 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. You’ll earn an uncapped 1% cash back on everything else.<\/p>\n

This Chase business card is unique in that it allows you to redeem rewards as cash back (with each point earned equal to 1 cent), but if you have an Ultimate Rewards-earning card \u2014 such as the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a>), Chase Sapphire Reserve\u00ae<\/a><\/span> (see rates and fees<\/a>) or the Ink Business Preferred\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>) \u2014 you can choose to convert your cash-back earnings<\/a> to Ultimate Rewards points that are fully transferable to Chase’s 14 airline and hotel partners<\/a>.<\/p>\n

That flexibility, coupled with the Ink Business Cash’s bonus categories, can lead to a healthy return on spending.<\/p>\n

Read our review of the Ink Business Cash<\/a> for more details.<\/p>\n

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Apply here: Ink Business Cash<\/a><\/span><\/strong><\/p>\n

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Ink Business Unlimited Credit Card<\/h2>\n

Welcome offer:<\/strong> Earn $750 bonus cash back after spending $6,000 on purchases in the first three months from account opening.<\/p>\n

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\"Ink<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it: <\/strong>The Ink Business Unlimited\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a>) is essentially the business version<\/a> of the Chase Freedom Unlimited\u00ae<\/a><\/span> (see rates and fees<\/a>) (minus the bonus categories on the Freedom Unlimited<\/a>).<\/p>\n

It earns 1.5% back on all purchases, uncapped. The 1.5% cash back you earn on all spending can be boosted with a card that earns Ultimate Rewards, since you can transfer your cash back to redeem it as points, getting you an approximate 3.1% return on spending based on TPG’s February 2026 valuations<\/a>.<\/p>\n

The Ink Business Unlimited offers higher purchase protection limits than the Freedom Unlimited, along with primary car rental insurance when renting for business purposes.<\/p>\n

Read our full review of the Ink Business Unlimited<\/a> for more details.<\/p>\n

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Apply here: Ink Business Unlimited<\/a><\/span><\/strong><\/p>\n

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Related: Best ways to use Amex Membership Rewards points<\/a><\/strong><\/p>\n

The American Express Blue Business Cash Card<\/h2>\n

Welcome offer:<\/b> Earn a $250 statement credit after spending $3,000 in purchases on your card in your first three months of card membership.<\/p>\n

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\"Amex<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it:<\/strong> If you want a simple business card that earns cash back, The American Express Blue Business Cash\u2122 Card<\/a><\/span> (see rates and fees<\/a>) is a terrific option, as there are no bonus categories.<\/p>\n

You’ll earn 2% cash back on all eligible purchases up to $50,000 spent each year, then 1%. Cash back earned is automatically credited to your statement. You can also access expanded buying power when your business has to spend beyond your credit limit. Additional employee cards are free (see rates and fees<\/a>).<\/p>\n

Read our review of the Blue Business Cash Card<\/a> for more details.<\/p>\n

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Apply here: Blue Business Cash<\/a><\/span><\/strong><\/p>\n

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Related: How to redeem American Express Membership Rewards for maximum value<\/a><\/strong><\/p>\n

Capital One Spark Cash Select<\/h2>\n

Welcome offer: <\/strong>Earn a $750 bonus after spending $6,000 in the first three months of account opening.<\/p>\n

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\"Capital<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it:<\/strong> Unlike many other cards on this list, the Capital One Spark Cash Select<\/a> doesn’t charge foreign transaction fees, making it a good choice if your business requires you to travel abroad. You’ll earn 5% cash back on hotels and rental cars booked through Capital One Business’s travel booking site and an unlimited 1.5% back on everything else along the way. This makes the Spark Cash Select an excellent choice for business owners who don’t want to worry about bonus categories and just want simplicity.<\/p>\n

Read our review of the Spark Cash Select<\/a> for more details.<\/p>\n

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Learn more: Capital One Spark Cash Select<\/a><\/strong><\/p>\n

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Related: A guide to Capital One’s Spark business cards<\/a><\/strong><\/p>\n

Bank of America Business Advantage Travel Rewards World Mastercard credit card<\/h2>\n

Welcome offer:<\/strong> Earn 30,000 points with this card when you use it to make $3,000 in purchases in the first 90 days of account opening \u2014 can be redeemed for a $300 statement credit towards travel or dining.<\/p>\n

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\"Bank<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it:<\/strong> The Bank of America\u00ae Business Advantage Travel Rewards World Mastercard\u00ae credit card<\/a><\/span> earns an uncapped 1.5 points per dollar spent on every purchase, making it a great choice if you’re looking for a flat-rate earner.<\/p>\n

Bank of America Preferred Rewards\u00ae<\/a> members can earn as much as 75% more per purchase with this no-annual-fee card. When it’s time to redeem, you can use points toward statement credits for travel purchases at a rate of 1 cent per point or for cash back or gift cards.<\/p>\n

Read our review of the Bank of America Business Advantage Travel Rewards card<\/a> for more details.<\/p>\n

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Apply here: Bank of America Business Advantage Travel Rewards card<\/a><\/span><\/strong><\/p>\n

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Related: The best Bank of America credit cards<\/a><\/strong><\/p>\n

Bank of America Business Advantage Customized Cash Rewards Mastercard credit card<\/h2>\n

Welcome offer:<\/b> Earn a $300 online statement credit after spending at least $3,000 in purchases in the first 90 days of your account opening.<\/p>\n

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\"BOA<\/div>
THE POINTS GUY<\/figcaption><\/figure>\n

Why it’s worth it:<\/b> The Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card<\/a><\/span> can be a great option if you want to customize your earnings. Each month, you can designate one of the following categories and receive 3% cash back on those purchases: gas and EV charging stations, office supply stores, travel, TV and telecommunications, computer services and business consulting services.<\/p>\n

Also, you’ll earn 2% back on dining and 1% back on all other purchases, though your heightened cash-back rates are capped at $50,000 in combined purchases each calendar year (then 1%). Couple your custom category with the earning power of Bank of America’s Preferred Rewards to maximize your rewards<\/a>.<\/p>\n

Read our review of the Bank of America Business Advantage Customized Cash Rewards card<\/a> for more details.<\/p>\n

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Apply here: Bank of America Business Advantage Customized Cash Rewards card<\/a><\/span><\/strong><\/p>\n

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Related: How to pick a strategy for your small-business credit cards<\/a><\/strong><\/p>\n

Bottom line<\/h2>\n

No-annual-fee business credit cards can be a smart way to earn rewards while keeping overhead low. Whether you’re launching a side hustle, running an established small business or simply looking to separate personal and business expenses<\/a>, these cards offer solid earning potential without an upfront cost.<\/p>\n

While they may not include the premium perks<\/a> of higher-fee options, many pair well with other rewards cards<\/a>, making them a practical starting point or long-term keeper for cost-conscious business owners.<\/p>\n

Related: Do I need a business to get a business credit card?<\/a><\/strong><\/p>\n

For rates and fees of the Blue Business Plus Card, click here<\/a>.<\/em>
For rates and fees of the Blue Business Cash Card, click here<\/a>.<\/em><\/p>\n<\/div>\n


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Looking for a no-fee business credit card that’ll help you earn valuable rewards? You’re in the right place \u2014 and you’ve got some solid options. These cards are especially useful for freelancers, side hustlers and small-business owners who want to earn points or cash back without adding another fixed cost to their monthly expenses. While […]<\/p>\n","protected":false},"author":1,"featured_media":221887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-221886","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/221886","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=221886"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/221886\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/221887"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=221886"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=221886"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=221886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}