Unique Selling Point:
Earn unlimited 2% cash back on every purchase, every day.

Who is this card for:
If you run a business that doesn’t really need travel rewards, makes purchases across a broad range of categories, and don’t mind a moderate annual fee, it’s hard to go wrong with the Capital One Spark Cash credit card. Getting unlimited 2% cash back on all purchases allows you to maximize value and margins without having to spend time and effort thinking about rotating reward categories, or time-limited bonuses. While Capital One started off as an old-school brick-and-mortar bank, they have long focused on a digital-first approach to banking which can is why we’ve included them in our list. Capital One strikes a good balance between the established name-recognition and customer support of old-school brick-and-mortar banks, and the digital offerings of newer, online-only neobanks.

Bonus Points:
– Add employee cards for free and earn rewards from their purchases.