Banking and rewards, together.
Select Novo customers can earn up to 2% cash back on every purchase. No annual fee, no surprises. All in the same place you already bank.
Here's what business owners are saying about the Novo Business Credit Card
Total visibility, zero juggling
“A single platform to manage the business finances has been tremendous. We have our business checking account, credit card and invoicing all in one platform, so accessing reports and building P & L is so much easier now.”
EVERYTHING YOU GET
Up to 2% cash back on every purchase—boring in the best way
No rotating categories. No fine print math. Just steady cash back on every business purchase—from day one.
No annual fee. Zero. Zilch.
Not year one. Not “introductory.” Just $0—so your rewards stay rewards.
Your card and your bank, all in one place.
No extra apps. No extra logins. Spending, payments, and cash flow—all in one place.
Backed by Mastercard. Packed with perks.
Accepted worldwide, plus exclusive discounts on the tools and services your business already uses—from Slack to Budget car rentals.
Tax time just got less painful.
Every transaction is auto-categorized. Your accountant—or future you—will thank you.
Rewards without the gotchas
Most cards make you choose: high rewards but steep fees, cash back but only on specific categories, or simplicity but no real perks. This one’s different.
Incredibly helpful for managing payments
“I've been building more efficient systems so I can spend less time on admin work and more on client projects. The Novo Business Credit Card™ has been incredibly helpful for managing payments, especially when cash flow isn't always consistent.”
Feature
Typical premium business cards
Cash back rate
Up to 2% on every business purchase
High rates in select categories only
Annual fee
$0
Often $95-$895
Rewards categories
Every business purchase earns cash back
Rotating or limited
Bookkeeping
Auto-categorized in Novo
Manual or third-party required
Foreign transaction fees
No
Often, yes
Merchant discounts
Mastercard perks included
Varies or not included
Logins to manage
One
Two+
Works with the tools you use
Works with the tools you use
Every purchase you make with your Novo Business Credit Card shows up where your finances live—keeping expenses organized and your books in sync.
A note on eligibility
The Novo Business Credit Card is available to Novo checking account holders who meet our eligibility requirements. Eligibility is determined after account opening and is based on your account activity and financial profile. Checking eligibility does not impact your credit score.
Common questions about the Novo Business Credit Card.
READY TO PUT YOUR BUSINESS SPENDING TO WORK?
READY TO PUT YOUR BUSINESS SPENDING TO WORK?
Open a free Novo checking account to get started. Check your eligibility for the credit card right from the app.