Blue Business Cash from American Express

A flat 2% back on every business purchase up to $50,000 a year, with no annual fee, is the cleanest version of a small-business cash back card: nothing to enroll in, no categories to sort your spending into. The $250 bonus after $3,000 in the first three months is a fair opening, and 12 months of 0% intro APR on purchases helps if you are buying equipment or inventory ahead of revenue. Past the $50,000 annual cap the rate drops to 1%, which matters if your business spends heavily, so map your yearly volume before assuming the 2% applies to all of it. It also charges foreign transaction fees, so keep international vendor payments and travel on something else. For a business spending under the cap and wanting cash rather than points, it is a straightforward default.