Blue Business Plus from American Express

The draw is 2x Membership Rewards points on all business spending up to $50,000 a year with no annual fee, which makes it a useful base card for anything that does not fall into another card's bonus categories. Twelve months of 0% intro APR on purchases gives new businesses room to finance startup costs, and 15,000 points after $3,000 in three months is a modest but achievable opening. Two limits deserve attention: spending above $50,000 in a year earns just 1x, and the card charges foreign transaction fees, so overseas purchases belong elsewhere. Because the rewards are points rather than cash back, the real value depends on how you redeem them, which adds a step compared with a straight cash card. It is best used as the everything-else companion to a card with stronger category rates.