Navy Federal GO BIZ Rewards

The GO BIZ Rewards is a no-annual-fee business card whose main appeal is simplicity: one point per dollar on every purchase and free employee cards on a single account. That makes it a reasonable way for a small business already banking with Navy Federal to separate business expenses and give staff cards without paying for the privilege. The tradeoff is that 1 point per dollar is a low flat rate, with no bonus categories and no signup bonus to sweeten the start. No foreign transaction fees and purchase protection on new items are useful extras, but they don't change the math. Pick it for convenience and expense tracking, not for rewards.