The Nav Business Credit Card (powered by Divvy) Small Business is a fintech account from Nav Business Credit Card (powered by Divvy). The annual fee is $0. The ongoing APR is N/A (Charge Card). Approval typically requires a credit score of None specified or higher. Rewards: Up to 5x points on categories. Typical credit limit: $500 - $5,000,000. Nav is a credit monitoring platform that also offers a business card. Free business credit scores and monitoring. Helps match you with best products based on your profile. | PG verification: Many business credit cards, including those from fintech companies, typically require a personal guarantee, especially for new businesses or those without established credit.