Wells Fargo Signify Business Cash

Signify Business Cash is the stripped-down version of a business card: a flat 2% cash back on every purchase with no annual fee, so there are no categories to track and no caps to plan around. The $500 bonus after $5,000 of spending in the first three months is a fair return on volume most small businesses already have, and the 12 months of 0% intro APR on purchases buys a year to finance equipment or inventory before the rate settles into the 16.74% to 24.74% range. The catch is that the flat 2% is also the ceiling, so a business concentrated in one lane, like shipping or advertising, will earn more on a card with real bonus categories. It also charges a foreign transaction fee, which is a poor fit if you buy from overseas suppliers or travel for work. Travel accident insurance of up to $250,000 on tickets bought with the card is a minor extra rather than a reason to apply.