Navy Federal GO BIZ Rewards

GO BIZ Rewards earns a flat 1 point per dollar on everything, and that's the whole rewards story, so it isn't the card to run your business spending through if you care about maximizing points. What it does offer is cost control: no annual fee, no foreign transaction fee, cards for multiple employees on one account at no extra charge, and an ongoing APR range of 16.65% to 18% that stays well under what most business cards charge at the top end. There's no welcome bonus, no bonus categories, and no travel credits, so nothing here rewards heavy spending. Purchase protection on eligible items is the only meaningful coverage attached. Consider it a low-cost operating card for a small team that values a predictable rate and free employee cards, then put category spending on something that earns more.