Wells Fargo Signify Business Cash

The Signify Business Cash keeps things simple: a flat 2% cash back on every purchase with no annual fee and no categories to track. New cardholders can also earn a $500 cash bonus after spending $5,000 in the first 3 months, and a 0% intro APR on purchases for 12 months gives a young business room to finance equipment or inventory. The catch is that the flat rate is the whole story, so a business with heavy spending in specific categories may do better with a card that pays more in those areas. It also carries a foreign transaction fee, which makes it a poor fit for overseas purchases. Travel accident insurance on fares charged to the card is the only listed extra, so pick this one for its no-fuss 2% and treat everything else as a bonus.