Unlimited 1.5% cash back on every business purchase, a $750 bonus and free employee cards, with no annual fee. It is the simplest way to earn on business spending.
The bottom line
The Atlas Business Unlimited Card is our top pick for small businesses that want rewards without tracking categories. If most of your spending is on advertising or shipping, the Forge Business Rewards Card earns more.
Atlas Business Unlimited Card
- Annual fee:$0
- Rewards rate:1.5% cash back
- Intro offer:$750 bonus
- Regular APR:18.49%–24.49% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Pros and cons
- Unlimited 1.5% back, no categories
- $750 bonus cash
- Free employee cards
- 0% intro APR for 12 months
- High spend needed for the bonus
- Requires a business
Detailed review
Running a business is complicated enough. Atlas keeps rewards simple: every purchase earns 1.5% cash back, with no categories, caps or activation. The $750 bonus after $7,500 of spending in the first three months is one of the largest for a no-fee business card.
The 12-month 0% intro APR on purchases also makes it a good way to finance equipment or inventory without paying interest.
Atlas Business Unlimited: the basics
- Card type: Business cash back
- Annual fee: $0
- Sign-up bonus: $750 after you spend $7,500 in the first 3 months
- Intro APR: 0% on purchases for 12 months
- Interest rate: 18.49%–24.49% Variable APR
- Employee cards: Free
Ongoing rewards
- 1.5% cash back on every purchase
- No caps, categories or activation
- Cash back never expires while the account is open
How much could your business earn?
A business spending $8,000 a month would earn $1,440 a year in cash back, plus the $750 bonus in year one, all with no annual fee.
Ledgerly tip
Give each employee their own card with a spending limit. Every purchase earns cash back for the business, and you can see spending by person in the Atlas dashboard.
Benefits and perks
- Free employee cards with individual spending limits.
- Expense management tools that export to popular accounting software.
- Extended warranty on eligible purchases.
Drawbacks and considerations
A high bonus threshold. $7,500 in three months is a lot for very small businesses.
You need a business. Freelancers and sole proprietors qualify, but you will need to describe your business on the application.
Compare to other cards
-
Forge Business Rewards Card
90,000 bonus points
- Annual fee:$95
- Rewards rate:1x–3x points
- Intro offer:90,000 points
- Regular APR:21.24%–26.24% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Brightline Cash Plus Card
$200 cash bonus
- Annual fee:$0
- Rewards rate:2%–5% cash back
- Intro offer:$200 bonus
- Intro APR:0% for 15 months
- Regular APR:19.49%–28.49% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Keystone Everyday Cash Card
$150 cash bonus
- Annual fee:$0
- Rewards rate:1%–3% cash back
- Intro offer:$150 bonus
- Intro APR:0% for 12 months
- Regular APR:19.99%–28.99% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Is it right for you?
If you want one no-fee card for all business expenses and you don’t want to think about categories, the Atlas Business Unlimited Card is the easy choice.
Unlimited 1.5% cash back on every business purchase, free employee cards and 0% intro APR for 12 months.
Rates & fees apply. Offer terms set by the issuer.
Frequently asked questions
Can a freelancer get a business card?
Yes. Sole proprietors can apply using their own name and Social Security number.
Does Atlas report to my personal credit?
Only if the account becomes seriously delinquent.
Are employee cards free?
Yes. There is no fee for employee cards, and their spending earns cash back for your account.