Blue Business Plus from American Express

The Blue Business Plus earns a flat 2x points on everything with no annual fee and no categories to manage, which makes it a low-effort default for routine business spend. The rate is capped: 2x covers the first $50,000 of purchases each year and drops to 1x after that, so higher-volume businesses will want a second card for the overflow. The welcome offer is modest at 15,000 points after $3,000 in three months, so this is a keeper card rather than a bonus play. A 0% intro APR on purchases for 12 months gives some breathing room on early expenses before the 16.74% to 28.49% regular rate takes over. One real limitation: it charges foreign transaction fees, which makes it the wrong card for spending abroad.