Wells Fargo Signify Business Cash

The Signify Business Cash keeps things simple for a small business: a flat 2% cash back on every purchase with no annual fee and no categories to track. New cardholders can add a $500 cash bonus after spending $5,000 in the first 3 months, plus 12 months of 0% intro APR on purchases, which helps if you are financing an equipment buy or a slow season. That combination earns it a spot on our Best Cash Back and Best Signup Bonuses lists. The catch is that a flat rate means no upside: businesses with heavy spend on gas, shipping, or advertising can earn more from a card with bonus categories. It also charges foreign transaction fees, and travel accident insurance is the only real perk, so treat it as a dependable everyday earner rather than a travel card.