Blue Business Cash from American Express

The Blue Business Cash keeps things simple: 2% cash back on every purchase, no categories to track, no annual fee. The cap is the thing to plan around, since 2% applies to the first $50,000 of spend each year and everything past that earns 1%, which is plenty of room for most small businesses but worth watching if you run real volume. A $250 bonus after $3,000 in the first three months plus 0% intro APR on purchases for 12 months make the first year the strongest one, especially if you are financing equipment or startup costs. The obvious gap is international spend: this card charges foreign transaction fees, so keep it domestic and carry something else on trips abroad. After the intro window the regular rate runs 16.74% to 28.49%, so plan to have the balance clear by then.