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 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 some breathing room to finance early business expenses. That combination lands it on our Best Cash Back and Best Signup Bonuses lists. The catch is that 2% is also the ceiling, so a business with heavy spending in specific categories may earn more with a tiered card. It also charges foreign transaction fees, and the only listed perk beyond the rewards is travel accident insurance, so this is a card for steady domestic spend rather than travel.