Platinum Plus® Mastercard® Business

This card is worth considering if your main goal is keeping business spending separate from personal expenses and you want a $0 annual fee card without extra complexity. For a small business that values simplicity and may occasionally carry a balance, that can be enough reason to keep it in the wallet.

For most business owners, though, the case for this card is limited. There is no welcome bonus, no ongoing rewards, and no listed perks to add value over time. If you pay your balance in full and use your card regularly, a business card with cash back or travel rewards will usually give you much more from the same spending.