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Access Credit Union
Access Credit Union · Mastercard

No Fee Cash Back Business Mastercard

No annual fee BusinessCash BackNo Annual Fee
3.5
★★★★☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on Access Credit Union's own website.
Welcome value
est. first-year value
Annual fee
$0
no yearly cost
Purchase interest
19.99%
on carried balances
Rewards type
cashback
Flex Rewards
🛒
1% value on groceries
Your top earn category
No annual fee
$0 to keep the card
🛡️
2 insurance coverages
Built-in protection

Rewards

Base earn rate1 point on every $2 spent on business purchases
ProgramFlex Rewards
Welcome bonusNone
Rewards typecashback

Fees & rates

Annual fee$0
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)

Standout perks

Hertz Auto Rental Discounts - Up to 20% off the Base Rate
up to 20%
Reduced Rate Loss Damage Waiver (LDW)
$24.95/day (Canada), $15.00/day (USA)
No Additional Driver fee at Hertz
Free Enrollment in the Hertz Gold Plus Rewards Program

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security

Insurance coverage

🛡️

purchase protection

Included — see issuer for details.

🛡️

extended warranty

up to one year

Eligibility

Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident