Intuit Business

If your business already runs on QuickBooks, this card's real selling point is not the rewards but the plumbing: transactions and captured receipts flow straight into QuickBooks without a separate bank feed or import, which removes a recurring bookkeeping chore. The earn rate is respectable for a no-annual-fee business card at 2% back on everything, rising to 5% on Intuit products and services like QuickBooks, TurboTax, and Mailchimp, though that 5% applies only to Intuit purchases and excludes transactional fees such as merchant services. There is a $300 bonus after $3,000 in three months, plus unlimited free employee cards with their own limits and category controls. Two honest catches: this card charges foreign transaction fees, so it is a poor choice for any business buying abroad, and the APR range runs from 14.24% to 35.24%, meaning a weaker credit profile can land at a punishing rate. Carry it for the flat 2% and the accounting integration, not for a balance.