Novo Business Credit CardTM

Exclusive access. Always rewarding.

Select Novo customers can now earn up to 2% cashback on everyday business expenses.
Check eligibility

The credit card that works as hard as you do

See how real Novo customers are using their Novo Business Credit Cards to manage cash flow and reinvest cashback.
David
David Degner Photography
“The Novo credit card offers a level of convenience that sets it apart. It is a worthwhile investment for any small business owner looking to streamline their financial management.”
customer since 2021
Colin
Sun Roots Collective
“It's been a smooth process from not only applying but purchases too. The customer service is great as well.”
customer since 2024
Jusmine
Dearly Studio
“Novo's 2% cash back option makes every purchase an effortless way to save.”
customer since 2023

You built the business.
Now it pays you back.

Check eligibility
Unlock up to 2% cashback
Reward the way you already do business — no caps, no rotating categories.
See everything side-by-side
View checking and credit together. No need to toggle between apps.
No annual fee
Your business, your money. It’s that simple.
Backed by Mastercard 
Get special discounts you’ll love, from Slack to Budget car rentals.
Unlock up to 2% cashback
Reward the way you already do business — no caps, no rotating categories.
See everything side-by-side
View checking and credit together. No need to toggle between apps.
No annual fee
Your business, your money. It’s that simple.
Backed by Mastercard
Get special discounts you’ll love, from Slack to Budget car rentals.

See how the Novo Business Credit CardTM stacks up against the rest

Other Top Business Credit Cards

Annual fee

$0

Up to $895

Cashback rewards

Up to 2% cash back

1 to 1.5%, on average, for cards with no annual fee

Rewards limits

No spending caps

Caps on bonus rewards

Rewards categories

Cashback on all business purchases — plus extra discounts with brands like Slack, Budget Car Rental and more.

Limited to specific purchases

Spend requirements

None

Yes, for certain rewards

Tool integrations

Seamlessly connects with Novo business checking account

Limited integrations across accounts

Novo
Other Cards
Annual Fee
$0
Cashback rewards
Up to 2% cash back
Rewards limits
No spending caps
Rewards categories
Cashback on all business purchases — plus extra discounts with brands like Slack, Budget car rental and more.
Spend Requirements
None
Tool Integrations
Seamlessly connects with Novo business checking account
Annual Fee
Up to $895
Cashback rewards
1 to 1.5%, on average, for cards with no annual fee
Rewards limits
Caps on bonus rewards
Rewards categories
Limited to specific purchases
Spend Requirements
Yes, for certain rewards
Tool Integrations
Limited integrations across accounts

Frequently Asked Questions

Do I need a Novo business checking account?

How do I earn the 2% cashback?

Will applying impact my credit score?

Are there any fees?

Can the card help me build my business credit?

Is there a virtual card?

Is there a waiting list?

Ready for up to 2% cash back?

This offer is reserved for select Novo customers. See if you’re pre-qualified in minutes.
Check eligibility
Not a customer? Get started with a Novo checking account

Novo Business Credit Card™ is issued by Continental Bank, pursuant to a license from Mastercard® International Incorporated. Mastercard can be used everywhere Mastercard is accepted. Terms and conditions apply.‍

‍*Earn 2% cashback on eligible purchases with a Novo checking account balance of $5,000 or more, and 1% cashback with a balance of under $5,000.‍

‍*Paid customer testimonials reflect individual experiences‍

‍*Responsible use of the Novo Business Credit Card™ will assist in building and maintaining good credit.

Big rewards for smart business moves

Take a big step forward with Novo. The Novo Business Credit Card™ gives you the rewards, control, and flexibility to take your business to the next level.

Open a checking account

Only available to eligible Novo checking account customers

No annual fee

Up to 2% cashback on your purchases*

Build business credit

Spend smarter, earn faster

Novo gives you discounts on the tools you love. From Instacart Business to Quickbooks, and more, save on the tools that keep your business on the right track.

Up to 2% cashback on all purchases*

Discounts where you spend for your business

Redeem cashback directly into your Novo account

View all Credit Card perks ->

Everything in its right place

Your business is unique. The way you spend is too. Track all your spending in one place with Novo. Monitor your credit and checking from the same dashboard to budget more easily, whether you’re on desktop or mobile.

Personalize your dashboard

Build credit for future funding

Credit and checking, together at last

Strong credit today, bigger opportunities tomorrow

Start strong, stay compliant. Using a dedicated business credit card helps you earn rewards specifically for your business as you grow, build credit, and keep your personal and business finances separate for tax season.

Build your relationship with Novo for future funding

Get offers with better interest rates and terms

Access larger credit lines

See how Novo compares

It's time for your first business credit card.

Personal credit cards

Annual fee

$0

Up to $695

Cashback on all purchases

**

Personalized perks for your business

Business credit building

Al-powered transaction categorization

Integrated with business checking account

Virtual card access

Limited

**Restricted / rotating categories or complicated points programs

**Restricted / rotating categories or complicated points programs

Make your move

Build your business and your credit at the same time. The Novo Business Credit Card is only available for eligible Novo customers so open your account today.

Open an account