When you’re searching for a rewards card particularly for your small business spending, you will have quite a lot of nice choices. From The Enterprise Platinum Card® from American Categorical with its factors bonus for airfare to the Ink Enterprise Most well-liked® Credit score Card with its 3-points-per-dollar classes, there is not any scarcity of playing cards that allow you to maximize purchases for your small business.
Incomes rewards in your bills is a should for any rising firm, making enterprise playing cards important. However what when you’re a startup or up-and-comer searching for a rewarding no-annual-fee enterprise bank card? (see charges and costs).This limits your selections a bit, however there are nonetheless some strong choices.
Associated: The very best enterprise bank cards
The Blue Enterprise Plus Credit score Card from American Categorical
Welcome provide: Earn 15,000 Membership Rewards factors after you spend $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 Categorical provides a flat 2 Membership Rewards factors per greenback spent on all purchases for the primary $50,000 you spend every calendar yr (1 level per greenback thereafter). Since TPG’s March 2025 valuations peg Amex factors at 2 cents apiece, you are a 4% return on spending as much as that $50,000-a-year cap. There is not any further price so as to add playing cards for workers (see charges and costs).
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 provide: Earn as much as $750: $350 bonus money again after you spend $3,000 on purchases within the first three months of opening an account plus an extra $400 whenever you spend $6,000 on purchases within the first six months of opening an account.
Why it is value it: The Ink Enterprise Money® Credit score Card earns 5% money again on the primary $25,000 spent in mixed purchases at workplace provide shops and on cellphone, landline, web and cable TV companies, plus 2% again on the primary $25,000 spent in mixed purchases at fuel stations and eating places every year. You may earn an uncapped 1% money again on every part else.
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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 well-liked® Card, Chase Sapphire Reserve® or Ink Enterprise Most well-liked® Credit score Card — you may select to convert your cash-back earnings to Final Rewards factors which can be absolutely transferable to Chase’s 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 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 is actually the enterprise model of the Chase Freedom Limitless® (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 may switch your money again to redeem it as factors, getting you a 3.05% return on spending based mostly on TPG’s March 2025 valuations.
The Ink Enterprise Limitless Credit score Card provides greater buy safety limits than the Freedom Limitless, together with main automotive 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
The American Categorical Blue Enterprise Money Card
Welcome provide: Earn a $250 assertion credit score after you make $3,000 in purchases in your card in your first three months.
Why it is value it: In order for you a easy enterprise card to earn money again, The American Categorical Blue Enterprise Money™ Card is a terrific possibility, as there aren’t any bonus classes. You may earn 2% money again on all eligible purchases to your first $50,000 spent every year, then 1%. You may also entry expanded shopping for energy when your small business has to spend past your credit score restrict. Extra worker playing cards are free (see charges and costs).
Learn our assessment of the Blue Enterprise Money Card for extra particulars.
Apply right here: Blue Enterprise Money
Capital One Spark Money Choose
Welcome provide: Earn a $500 bonus whenever you spend $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 Spark Money Choose would not cost overseas transaction charges, making it a sensible alternative when you journey overseas. You may earn 5% money again on lodges and rental vehicles booked by Capital One Journey and an infinite 1.5% again on every part else alongside the way in which. This makes the Spark Money Choose a wonderful alternative for enterprise house owners who do not wish 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
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 you 3 factors per greenback spent on journey booked by the Financial institution of America Journey Heart and 1.5 factors per greenback spent on all different purchases. 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 need to use 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 assessment of the Financial institution of America Enterprise Benefit Journey Rewards card for extra particulars.
Associated: The very best Financial institution of America bank cards
Apply right here: Financial institution of America Enterprise Benefit Journey Rewards card
Financial institution of America Enterprise Benefit Custom-made Money Rewards Mastercard bank card
Welcome provide: Earn a $300 on-line assertion credit score after making 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 is usually a nice possibility if you wish to customise your earnings. Every month, you may 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, laptop companies and enterprise consulting companies.
Additionally, you will 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 per yr (then 1%). Couple your customized class with the incomes energy of Financial institution of America’s Most well-liked Rewards to maximize your rewards.
Learn our assessment 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
Backside line
Loads of choices for no-annual-fee enterprise bank cards additionally rack up profitable rewards. You may not get the very best incomes charges on these playing cards, and most are mild on supplementary perks. Nevertheless, in case your objective is to recoup some money or to earn redeemable factors towards free journey with out an upfront value, you’ve got bought priceless choices.
For charges and costs of the Blue Enterprise Plus Card, click on right here.
For charges and costs of the Blue Enterprise Money Card, click on right here.
