Running a small business is no cakewalk. You're juggling a million things, from managing employees to tracking finances and expenses. Oh, and actually growing the business too!

Having the right business credit card can make a big difference by helping you earn lucrative rewards and maximize your spending.

Navy Federal Credit Union offers some solid options worth considering if you want to keep more cash in your pocket while separating personal and business finances.

This article reviews the top Navy Federal business credit cards and a couple of alternatives with awesome perks.

What makes Navy Federal business credit cards special

First, to qualify for any Navy Federal business credit card, you need to be a credit union member.

Membership is open to active military, veterans and their families. So if you fall into those categories, you're eligible to apply for their business offerings.

Here are some key benefits Navy Federal business credit cards offer:

  • Cash back and travel rewards with no annual fee cards available
  • Special military discounts and travel perks
  • Visa and Mastercard network acceptance
  • Fraud protection and additional business benefits
  • Dedicated business spending limit separate from personal finances

The GO-Biz Rewards card is a simple, no-annual-fee cash-back card. Here's an overview:

  • No annual fee - avoiding fees is a nice perk
  • 1x points per $1 spent on all purchases
  • 14.15% - 18% variable APR - average for business cards
  • Visa or Mastercard options - take your pick

This card earns unlimited 1% cash back on every purchase without worrying about rotating categories or caps. It's a set-it-and-forget-it option.

The GO-Biz Rewards card also makes separating business and personal expenses easy.

This is a great card for service businesses and smaller retailers who want simple cash back without an annual fee. You can redeem rewards as statement credits or deposit into a Navy Federal account.

Overall, it is a solid everyday business spending card, especially for lower overhead businesses.

Alternatives to consider

The GO-Biz Rewards card gets the job done for no annual fee cash back. But a few other excellent business cards offer more rewards potential:

Capital One Spark Cash Plus

  • Earn a $1,200 cash bonus after $30k spent in 3 months
  • Unlimited 2% cash back on every purchase
  • $150 annual fee waived each year you spend $150k+

With a hefty signup bonus and unlimited 2% cash back, this card offers high rewards potential for big spenders who can hit the minimums.

Ink Business Cash® Credit Card

  • $750 bonus cash back after $6k spent in 3 months
  • 5% cash back on the internet, phone, office supply stores
  • No annual fee

The Ink Business Cash card is ideal if you spend a lot in those bonus categories like internet, phone bills, and office supplies. Nice signup bonus too.

Navy Federal More Rewards American Express® Business Credit Card

It's time to move on to the next Navy Federal card - the More Rewards Amex. Here are the quick highlights:

  • 3x points at restaurants, gas stations, cell phone providers
  • 1x points on other purchases
  • No annual fee
  • 17.99% - 25.99% variable APR

Although this is technically a personal card, this is Navy Federal's primary option for earning rewards on frequent business expenses like dining, gas, and cell phone bills.

With no annual fee, the 3x bonus categories make it easy to maximize everyday spending. And the signup bonus is a nice little perk too.

If you dine out often for meetings and fill up the tank multiple times per week, this card can rack up points super fast.

To simplify earning, you could pair it with a flat rate card like the GO-Biz for non-category purchases.

Ink Business Preferred® Credit Card

Speaking of category bonuses, here's a premium card that really pushes up the rewards rate:

  • 3x points on travel, shipping, internet, cable, phone
  • Cell phone protection
  • $95 annual fee
  • 80,000 point signup bonus worth $800

With 3x bonus points on common business expenses, the Ink Preferred helps you really maximize category spending.

While it has a $95 annual fee, the 80,000 point signup bonus alone outweighs the fee. You essentially get the first year free and then some.

If your business spends heavily in the 3x categories, the Ink Preferred is a powerhouse for multiplying points.

Choose the best Navy Federal business card for your needs

At the end of the day, picking the right Navy Federal business credit card depends on your spending habits and priorities.

To help choose, start by making a list of your average monthly expenses. See which categories make up the bulk of your spending.

For instance, if you operate a restaurant, the More Rewards Amex with 3x points on dining would be a great fit. Or if you travel frequently for work, you may be better off with a travel credit card like .

Optimizing category bonuses is the best way to maximize value. But don't forget about signup bonuses which offer an easy way to earn a chunk of points quickly.

Hopefully, this overview gives you a better sense of how Navy Federal's business credit cards compare. Now you can zero in on the right option for your needs and earn more cashback or travel rewards.

A dedicated business card makes managing expenses easier while keeping your personal finances separate. And you might as well earn some rewards in the process!