Features Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions $0 annual fee for the first year; $95 after that Free employee cards, which also earn unlimited 2% cash back on all purchases $0 Fraud Liability if your card is lost or stolen Rewards won't expire for the life of the account, and you can redeem your cash back for any amount No foreign transaction fees