Searching for a no-fee enterprise bank card that’ll internet you helpful rewards? You are in the precise place — and you have got some strong choices.
Small companies and startups profit from no-annual-fee playing cards designed to cater to entrepreneurial wants. Listed here are our high seven picks.
Associated: The perfect enterprise bank cards
The Blue Enterprise Plus Credit score Card from American Categorical
Welcome supply: 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 price it: The Blue Enterprise® Plus Credit score Card from American Categorical (see charges and charges) earns a flat charge 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 monitor of or activate — you may earn the identical reward charge throughout each buy you make with this card.
TPG’s August 2025 valuations peg Amex factors at 2 cents apiece, making this bonus price $300. It is a 4% return on spending as much as that $50,000-a-year cap. Plus, there isn’t any extra charge so as to add worker playing cards (see charges and charges).
Learn our assessment of the Blue Enterprise Plus card for extra particulars.
Apply right here: Blue Enterprise Plus
Ink Enterprise Money Credit score Card
Welcome supply: 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 price 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 companies, plus 2% again on the primary $25,000 spent in mixed purchases at gasoline stations and eating places annually. You will earn an uncapped 1% money again on all the things 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 have an Final Rewards-earning card — such because the Chase Sapphire Most popular® Card (see charges and charges), Chase Sapphire Reserve® (see charges and charges) or the Ink Enterprise Most popular® Credit score Card (see charges and charges) — you possibly can select to transform your cash-back earnings to Final Rewards factors which might be absolutely transferable to Chase’s 14 airline and resort companions.
That flexibility, coupled with the Ink Enterprise Money’s bonus classes, can result in a wholesome return on spending.
Learn our assessment of the Ink Enterprise Money for extra particulars.
Apply right here: Ink Enterprise Money
Ink Enterprise Limitless Credit score Card
Welcome supply: $750 bonus money again after spending $6,000 on purchases within the first three months from account opening.
Why it is price 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 presents larger buy safety limits than the Freedom Limitless, together with main automobile rental insurance coverage when renting for enterprise functions.
Learn our full assessment of the Ink Enterprise Limitless for extra particulars.
Apply right here: Ink Enterprise Limitless
Associated: Greatest methods to make use of Amex Membership Rewards factors
The American Categorical Blue Enterprise Money Card
Welcome supply: Earn a $250 assertion credit score after spending $3,000 in purchases in your card in your first three months.
Why it is price it: If you’d like a easy enterprise card that earns money again, The American Categorical Blue Enterprise Money™ Card (see charges and charges) is a terrific choice, 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 routinely credited to your assertion. You can too 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 assessment of the Blue Enterprise Money Card for extra particulars.
Apply right here: Blue Enterprise Money
Associated: The right way to redeem American Categorical Membership Rewards for optimum worth
Capital One Spark Money Choose
Welcome supply: Earn a $500 bonus after spending $4,500 within the first three months of account opening.
Why it is price it: Not like many different playing cards on this checklist, the Capital One Spark Money Choose does not cost overseas 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 means of Capital One’s journey reserving web site and a vast 1.5% again on all the things else alongside the best way. This makes the Spark Money Choose a superb selection for enterprise homeowners who do not need to fear about bonus classes and simply need simplicity.
Learn our assessment 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 supply: Earn 30,000 factors with this card once you use it to make $3,000 in purchases within the first 90 days of account opening — price $300 towards journey.
Why it is price 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 a fantastic selection in the event you’re on the lookout for a flat-rate earner.
Financial institution of America Most popular 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 charge of 1 cent per level or for money again or present playing cards.
Learn our assessment 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 perfect Financial institution of America bank cards
Financial institution of America Enterprise Benefit Personalized Money Rewards Mastercard bank card
Welcome supply: Earn a $300 on-line assertion credit score after spending at the very least $3,000 in purchases within the first 90 days of your account opening.
Why it is price it: The Financial institution of America® Enterprise Benefit Personalized Money Rewards Mastercard® bank card could be a nice choice 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: gasoline and EV charging stations, workplace provide shops, journey, TV and telecommunications, pc companies and enterprise consulting companies.
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 popular Rewards to maximise your rewards.
Learn our assessment of the Financial institution of America Enterprise Benefit Personalized Money Rewards card for extra particulars.
Apply right here: Financial institution of America Enterprise Benefit Personalized Money Rewards card
Associated: The right way to decide 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 a fantastic start line in the event you’re a brand new enterprise proprietor who needs to prioritize decreasing 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.
