Blue Business Plus from American Express

The Blue Business Plus earns a flat 2x Membership Rewards points on everyday business purchases with no annual fee, a rare combination for a points card. The welcome offer just jumped sharply, from 15,000 to 50,000 points after $5,000 in spend within three months, which makes this an unusually good moment to apply. There's also a 0% intro APR on purchases for 12 months if you need to finance a startup expense. The catch is the annual cap: the 2x rate covers only the first $50,000 in purchases each year before dropping to 1x, so it fits small businesses with moderate spending better than large ones. It also charges a foreign transaction fee, so leave it at home when traveling abroad.