Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Navy Federal GO BIZ Rewards is a no-annual-fee points card from Navy Federal Credit Union. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $73,200 a year it returns about $732, an effective 1% back.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
No welcome bonus is stored for this catalog entry yet.
Exclusively for Mastercard Small Business cardholders: Subscribe to 12 months of Adobe Creative Cloud for individuals All Apps or Single App using your Mastercard Small Business card and enjoy additional complimentary months.
Enjoy wireless access through Boingo's award-winning Wi-Fi network spanning more than a million hotspots across six continents at no additional cost to eligible cardholders.
Pay your monthly cell phone bill for your Eligible Cellular Wireless Telephone with your Mastercard and you may be reimbursed for the actual cost to replace or repair it if it’s stolen or damaged.
Extended Warranty coverage provides you with additional security beyond the manufacturer’s guarantee.
Save up to $20 on TurboTax, the #1 best-selling tax preparation software. TurboTax guarantees 100% accurate calculations and your biggest possible tax refund.
Mastercard Small Business cardholders are eligible for 30% off QuickBooks® Online or QuickBooks® Self-Employed for 12 months.
Count on a wide range of emergency services, available 24/7. This includes medical referral, lost luggage locator service and prescription assistance.
Enjoy a 15% savings on Airport Meet & Greet services that provide you with a personal escort for departures and arrivals at over 450 destinations worldwide.
Use your Mastercard when you rent a car for 31 consecutive days or less, and you’ll automatically have Collision Damage Waiver (CDW) coverage.
MasterRental will cover physical damage and theft of the vehicle, reasonable loss of use charges imposed by the rental company, towing charges, theft or damage to personal effects in transit in the rental vehicle and more.
Protect yourself with a discounted 13-month subscription to McAfee Total Protection for 5 devices at $29.50. Plus, receive a 13-month complimentary subscription to TechMate.
Grow your business and attract more customers with $125 in advertising credit after spending only $10 with Microsoft Advertising.
Purchase Assurance provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.
Receive up to $100 in vouchers from Uber for Business when you create a new Uber for Business account for your organization and spend $100 or more using a Mastercard Small Business card through the Uber for Business Dashboard.
Earn up to $1,000 of load credit when you use the Uber Freight shipper platform with a Mastercard® Small Business card.
Run your business better with Zoho’s social media management solution. With Zoho Social, you can build, manage and measure your business’s reach across networks. Save 50% on your first year’s subscription.
These come from Visa, not from Navy Federal Credit Union. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Navy Federal GO BIZ® RewardsThis card · 1x on everything | None | $732 | +$732 | Not ranked |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. This card is not in the ranking because its issuer limits who can apply. Run it with your own spending.
