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Compare Business Credit Cards with No Annual Fee

Explore rewards and benefits of our business Credit Cards with no annual fee

Fuel your vision with 2x points
  • Earn 2x Membership Rewards® points on everyday business purchases up to $50,000 with no category restrictions
Best for business owners seeking simple automatic cash back
  • Earn 5% cash back at US office supply stores and wireless telephone services.
  • Earn 3% cash back on a select category of your choice, with 1% cash back on other purchases. 5% and 3% apply to the first 50K in purchases per calendar year.
    Cash back earned is automatically credited to your statement.
The Card that rewards you for shopping at Lowe's
  • 5% off everyday at Lowe's
Membership Rewards® Points
Cash Back
Lowe’s Business Rewards Points
Earn points fast with 2X points and no cateogory restrictions, all without an annual fee.
points on the first $50,000 in purchases each year
points on purchases thereafter
We know that for you it's all about the bottom line. The SimplyCash® Plus Business Credit Card gives you cash back just by using the Card to purchase things you already buy for your business.
cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers.
cash back on the category of your choice from a list of select categories. Categories available:Airfare purchased directly from airlinesHotel rooms purchased directly from hotelsCar rentals purchased from select car rental companiesU.S. gas stationsU.S. restaurantsU.S. purchases for advertising in select mediaU.S. purchases for shippingU.S. computer hardware, software, and cloud computing purchases made directly from select providers
cash back on other purchases.
Terms and limitations apply. 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back earned is automatically credited to your statement.
Use this Card to receive points you can redeem for gift cards and more to use towards business expenses.
Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
Points at Lowe's.
points on other purchases.
Terms and limitations apply. Points can be redeemed for Lowe's Gift Cards and American Express® Gift Cards.

Card Membership Benefits

Extended Warranty♦︎
Purchase Protection♦︎
Return Protection
Concierge Service
American Express Preferred Seating
Entertainment Access
Relationship Care® Service
Dispute Resolution

Travel Benefits

Baggage Insurance Plan♦︎
Car Rental Loss and Damage Insurance♦︎
Roadside Assistance Hotline
Premium Roadside Assistance
Global Assist® Hotline
Premium Global Assist® Hotline
Travel Accident Insurance♦︎
Fine Hotels & Resorts


Annual Membership Fee
Employee Card Fees
annual fee for each additional Employee Blue BusinessSM Plus Credit Card¤
annual fee for each Additional Employee SimplyCash® Plus Business Credit Card¤
annual fee for each Employee Lowe's Business Rewards Card¤
Cash Advance Fee
$5 or 3%
of the amount of each cash advance, whichever is greater.¤
Foreign Transaction Fees¤
of each transaction after conversion to US dollars¤
The foreign transaction fee is 2.7% of each transaction after conversion to U.S. dollars.¤
Late Payment Fee
Up to $38¤
Up to $38¤
Up to $38¤
Over-the-Credit-Limit Fee
Returned Payment Fee
APR On Purchases
APR On Cash Advances
Penalty APR
Penalty APR rate¤
Penalty APR rate¤
Enjoy exceptional rewards and benefits

Explore the benefits you receive with every business Credit Card from American Express

  • Spend ManagerSM

    Spend ManagerSM is a feature available to help you manage your Card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device.1

    Learn More
  • Amex Offers

    Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding.

  • Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card use and more.

    Learn More
  • Account Manager

    Assign a trusted employee or business partner to be an Account Manager on your Business Card account.2 They can handle your tasks like reviewing statements, making payments, and disputing charges on your Business Cards, so you're free to focus on other aspects of your business.

    Learn More
  • Online Statements

    View your purchase history, prepare reports, and budget your expenses

  • Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps can make it easier to manage your Card account whenever it's convenient for you.

  • Year-End Summary

    At the end of the year, see a complete summary that categorizes your spend by month and purchase type, and helps you track your business expenses down to the last detail.3

    Learn More

Benefit Terms

1. Spend ManagerSM

Spend ManagerSM is a feature of American Express Business and Corporate Cards. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the year that the receipt was uploaded or (2) the date that your online account is closed. Notwithstanding the foregoing, American Express may delete or purge receipts for any reason in its sole discretion, with or without notice.

2. Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

3. Year-End Summary

The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

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