Calculator: 5 Best No Annual Fee Business Credit Cards 2021

Earn valuable rewards using business credit cards with no annual fee. Get our best picks and calculate rewards based on your business spend.

The Point Calculator's top picks for the 5 best business credit cards with no annual fee are:

  • The Blue Business® Plus Credit Card from American Express
  • American Express Blue Business Cash™ Card
  • Capital One Spark Cash Select for Business
  • Ink Business Unlimited® Credit Card
  • Ink Business Cash® Credit Card

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus Card is one of the best small business credit cards on the market with no annual fee. It earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the calendar year, then 1x for the remainder of the year after that cap is hit. Points can be redeemed for airfare through the American Express Travel Portal at a value of 1 cent each or you can transfer points to AMEX's airline and hotel partners for even more value. If you business expenses are around $50,000 per year and you want to earn rewards towards travel, The Blue Business Plus Card will be the route to take.

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

American Express Blue Business Cash™ Card

If you would rather earn cash back instead of Membership Rewards Points, you'll want to consider the American Express Blue Business Cash Card which is one of the best cash back credit card for small businesses. It earns 2% cash back on the first $50,000 in purchases made during the calendar year, then 1% back for the remainder of the year once the cap is hit. This card will be the better option over The Blue Business Plus Card if you don't plan on transferring points to AMEX's airline and hotel partners. If you're looking to redeem your rewards towards purchases made to the card to offset business expenses, then you'll want to grab up the American Express Blue Business Cash Card.

American Express Blue Business Cash™ Card
Rewards Rate
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Capital One Spark Cash Select for Business

The Capital One Spark Cash Select for Business is one of the best cash back business cards for earning rewards at an uncapped flat rate. It earns 1.5% cash back on all purchases ran through the card and cash back can be used to offset business expenses charged to the card. In terms of spend, the Spark Cash Select for Business becomes the better option over the Blue Business Cash Card if your business spends closer to $100,000 per year.

Capital One Spark Cash Select for Business
Rewards Rate
  • Earn unlimited 1.5% cash back for your business on every purchase, everywhere, no limits or category restrictions.
Intro Bonus
Earn a one-time $200 cash bonus once you spend $3,000 on purchases within the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99% - 23.99% variable APR after that
  • Free employee cards, which also earn unlimited 1.5% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No annual fee and no foreign transaction fees

Ink Business Cash® Credit Card

If you want to earn bonus rewards spending across top business categories, the Chase Ink Business Cash Card will be the best option. It earns 5% back on up to $25,000 in combined spend between internet, cable, phone, and office supply store purchases (then 1%), 2% back on up to $25,000 in combined spend between restaurant and gas station purchases (then 1%), and 1% back on everything else. It's a great card to have if you're looking to maximize your everyday business expenses.

Chase Ink Business Cash® Credit Card
Rewards Rate
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Ink Business Unlimited® Credit Card

The Chase Ink Business Unlimited Visa Card earns an unlimited 1.5% cash back on all purchases. It's a straightforward and simple cash back business card that can help you build rewards no matter the business purchase. I recommend pairing the Chase Ink Business Unlimited Visa with the Ink Business Cash Card (or any other Chase business card) so that your business will never earn less than a 1.5% return on purchases.

Chase Ink Business Unlimited® Credit Card
Rewards Rate
  • Earn unlimited 1.5% cash back on every purchase made for your business
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated business credit cards that have no annual fee. If you want to see how your business spend in action for all of the top business cards, I recommend using the calculator found on our Best Business Credit Cards of 2021 page.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Loading Categories...
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
Loading...

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-30 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

🇺🇸 US • 🇨🇦 CA • 🇬🇧 UK • 🇦🇺 AU