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Compare Business Cards with No Annual Fee

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

Great for Simple, Flexible Rewards
  • Earn 2X Membership Rewards® points on everyday business purchases up to $50,000, per calendar year, with no category restrictions. 1X Points on purchases thereafter
Best for business owners seeking simple automatic cash back
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.  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 on eligible purchases
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
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.  Cash back earned is automatically credited to your statement.
Use this Card to earn points you can redeem for gift cards and more to use towards business expenses.
Cash back on purchases at Lowe's.
Cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.
cash back on other eligible purchases.
Terms Apply. Cash back is received in the form of Lowe's Business Rewards points that can be redeemed for statement credits or Lowe's 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♦︎
Global Assist® Hotline
Premium Global Assist® Hotline
Fine Hotels & Resorts®‡
Trip Delay Insurance
Trip Cancellation and Interruption Insurance


Annual Membership Fee¤
Employee Card Fees¤
annual fee for each additional Employee Blue Business® Plus Credit Card¤
annual fee for each Additional Employee Blue Business Cash™ Card from American Express¤
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¤
of each transaction after conversion to US dollars.¤
2.7% of each transaction after conversion to US dollars.¤
Late Payment Fee¤
Up to $39¤
Up to $39¤
Up to $39¤
Returned Payment Fee¤
APR On Purchases¤
APR On Cash Advances¤
Penalty APR¤
Penalty APR¤
Penalty APR rate¤
Enjoy exceptional rewards and benefits

Explore some of the services and offers you receive with every business Card from American Express

  • American Express® Business App

    Simplify the way you and your employees manage Business Card receipts with the American Express® Business App.1

  • 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.

  • 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.

  • Online Statements

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

  • Year-End Summary

    After 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

Benefit Terms

1. American Express® Business App

The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. 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 calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play™. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

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.

4. Amex Offers

Eligible Card Members can redeem an Amex Offer by first enrolling in the offer in their online account or in the American Express® App and then using their enrolled Card to pay. Only U.S.-issued American Express Consumer and Business Cards and registered American Express Serve® and Bluebird cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program, or any other Amex program. Available offers may vary for each eligible Card Member. Please review the terms of each offer for details on how to redeem. For full Program Terms, visit https://www.amexoffers.com/partnerterms

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