Intuit Business

The Intuit Business card makes the most sense for small businesses already running on QuickBooks: it earns 5% cash back on Intuit products like QuickBooks, TurboTax, and Mailchimp, and a solid 2% on everything else, with no annual fee. The 2% base rate is the real draw, since it means every other business expense earns a competitive flat return. There's also a $300 cash bonus after $3,000 in spending in the first three months. Transactions and receipts sync into QuickBooks automatically, and unlimited employee cards with their own spending limits and category controls are included at no extra cost. Two catches: the 5% rate covers only Intuit's own products and excludes merchant-services fees, and the card charges a foreign transaction fee, so it's a poor choice for spending abroad. The partner discounts on Google Workspace, Adobe, LegalZoom, and FedEx are nice extras, but the 2% everyday earn is what makes the card worth carrying.