Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. Looking for a no-annual-fee business credit card that'll help you earn valuable rewards? You're in the right place — 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 no-annual-fee cards typically include fewer premium perks than their high-fee counterparts, many still offer strong welcome bonuses and competitive rewards earning rates.
The Blue Business® Plus Credit Card from American Express Transferable points Ink Business Cash® Credit Card (see rates and fees ) Office and telecom expenses Ink Business Unlimited® Credit Card (see rates and fees ) Pairing with a premium Ultimate Rewards card The American Express Blue Business Cash™ Card Straightforward cash back Capital One Spark Cash Select International expenses Bank of America® Business Advantage Travel Rewards World Mastercard® credit card BofA Rewards members who travel Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card Customized bonus categories Related: The best business cash-back credit cards
Welcome offer: Earn 15,000 bonus points after spending $3,000 on eligible purchases on the card within your first three months of card membership.
TPG's August 2026 valuations peg Amex points at 2 cents apiece, making this offer worth $300.
Why it's worth it: The Blue Business Plus earns a flat rate of 2 Membership Rewards points per dollar spent on all eligible purchases (on the first $50,000 you spend each calendar year; 1 point per dollar thereafter). This means there are no bonus categories to keep track of or activate — you'll earn the same reward rate across every purchase you make with this card.
Spend the full $50,000 in a calendar year and you'd earn 100,000 Membership Rewards points — worth $2,000 at TPG's valuations — before purchases begin earning 1 point per dollar. Plus, there's no additional fee to add employee cards (see rates and fees ).
Keep in mind: Amex generally limits cardmembers to one welcome bonus on each card per lifetime , so this offer may not be available if you've held the card before.
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To learn more, read our full review of the Blue Business Plus .
Welcome offer: Earn $1,000 cash back after spending $8,000 on purchases in the first four months from account opening.
Why it's worth it: The Ink Business Cash earns 5% cash back at office supply store…