Signify Business Cash® Card
For small business owners who want one flat rate on every business purchase with nothing to track. It earns unlimited 2% cash rewards, has no annual fee, adds employee cards at no additional cost, and gives 0% intro APR on purchases for 12 months from account opening. The welcome offer is $500 after $5,000 in business purchases in the first 3 months. The caveat: a 3% foreign transaction fee on each transaction converted to U.S. dollars makes it a poor fit for buying abroad.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Flat 2% with no categories to track
- Employee cards at no additional cost
- Redeem rewards as a statement credit to an eligible account
- World Elite Mastercard benefits, including MasterRental Insurance Coverage
- Worldwide Automatic Common Carrier Travel Accident Insurance
- Annual fee: $0
- Regular purchase APR: 16.99% - 24.99% Variable
- Intro purchase APR: 0% for 12 months from account opening
- Cash advance APR: 29.49% Variable
- Cash advance fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: 3% of each transaction converted to U.S. dollars
- Rates and offers verified on the issuer's website on October 12, 2026 and may change.
- Your business spends across many categories and you want 2% on all of it.
- You want to finance early business purchases at 0% for 12 months.
- You want employee cards without extra cost.
- You should skip it if your business often pays in foreign currencies: the 3% foreign transaction fee outweighs the 2% rewards.
Score guess
Guess your credit score
Drag the dial to your best guess. Then see which cards people around that score got approved for.
A guess, not a credit check: nothing here touches your credit. Score ranges from FICO.
Your guess: 700
Approved at 670 to 739
Approval results for this card
19 results: 19 approved, 0 denied. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $100k to $150k | NY | Jun 2026 |
| Approved | 800 and above | Experian | $100k to $150k | NY | Mar 2026 |
| Approved | 740 to 799 | Experian | $100k to $150k | NY | Mar 2026 |
See all 19 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
