The Top 4 Credit Cards To Get for Your Business
These Are My Top Picks Based On The Lessons I Learned From Spending Over 2.5M Dollars on Ads (And Accumulating Millions of Points)
(Note: this post, and the wisdom in it, came from scouring the internet for hours and hours on end, spending multiple weeks and months of research, comparing the best offers, talking to friends who are big media buyers and advertising spenders, and reading up all that I can find on review sites, thepointsguy.com and tons of other travel and frequent flyer websites)
I’ve created this post to simplify it all for you, based on what I learned.
I hope this serves you, and aids you in both your search and your ideal lifestyle design. So much is possible in this life. Especially when you get educated and informed, and create a life where everything serves everything. All serves all.
#1 Chase Ink Biz Preferred – 100k bonus points sign up offer through kevin +
3x points on 150k/yr in advertising (up to 450,000 points), plus 2x on other categories
#2 Amex Biz Gold – 50k bonus points sign up offer, 3x points on advertising for up to 100k/year, and then 2x points on the rest
#3 Amex Biz Platinum – 75k bonus sign up offer on 10k/20k in ad-spend,
plus 5x points on each $1 in travel, etc
#4 Amex Biz Plum – charge card, interest-free for 60 days, 1.5% discount if paid early (10 days before bill due in 30 days)
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Card #1: Chase Ink Biz Preferred, 100k bonus offer through kevin’s contact, plus 3x points on advertising spend up to 150k/year
The Chase Ink Preferred Business Card now also offers triple points on the first $150k per year of ad spend, so I am now using that in conjunction with the Amex Gold for ad spend.
– Kevin Bombino
https://creditcards.chase.com/a1/InkBusinessPreferred/8tk?CELL=6H8X&AFFID=pngc6t7Ewoo-yz05gTB2KWGWe5yqXFaP2A&pvid=1c77d4219bf64282ac0337c6100a25a0&jp_cmp=cc/458410/aff/3-10002676/na
https://thepointsguy.com/2015/08/ultimate-rewards-transfer-times/
After you spend $5,000 on purchases in 3 months
3x on additional categories: shipping, advertising and internet/cable/phone services. Those bonus points are capped at $150,000 per year, but that’s a lot of room for extra rewards.
An interesting additional perk of this card is the cell phone protection benefit — pay your cell phone bill with this card, and you’ll get up to $600 in coverage against damage or theft(subject to a $100 deductible) with up to three claims per year. You’ll even be covered for other lines that appear on the same bill, which means your employees’ phones will be protected as well.
Card #2 => Amex Gold – 50k points bonus sign up offer and 3x points on the first 100k in ad-spend (300k worth of bonus points, plus 50k in sign up bonus)
(Sometimes 75k promos on this card are targetted internally to certain customers)
Not only does the second entry from American Express on this list come with a 50,000-point sign-up bonus after $5,000 in spend in the first three months, but it also lets you choose where you want to earn 3x points (on the first $100,000 in spending) from a list of categories.
On that list are some standard options such as airlines or gas stations, but also a few unusual ones, like computer hardware and software. You can also change your category at the beginning of each year, so you won’t be stuck forever with just one. And no matter which category you choose for 3x, you’ll still get 2x for the other ones from the list (on the first $100,000 spent in each category), so you’re getting extra points no matter what.
This card also comes with no foreign transaction fees, which makes it a great choice if you travel overseas for work. It’s also a charge card, which means it has no preset spending limit. Finally, as it’s part of the American Express OPEN network, you’ll get discounts or extra Membership Rewards points when using it at participating vendors such as FedEx and Hertz.
https://www.americanexpress.com/us/small-business/credit-cards/business-card-compare-error?timeout=true
will get the amex gold per your recommendation once i meet the 150k limit on the chase.
https://thepointsguy.com/2016/03/maximizing-amex-business-gold-rewards-card-3x-categories/
The beauty of pairing this card with the Business Platinum Card is that I can redeem the nearly 300,000 extra Membership Rewards points a year my business earns from the 3 points per dollar on advertising for premium seats like JetBlue Mint transcontinental business class, starting at only 29,950 points ($599) one-way when redeeming directly at Amex Travel. At that price, I could use the points from my advertising spend alone to bring nine of my friends along with me! But I can also transfer Amex points to partners like Aeroplan and redeem for Lufthansa first class with a stop at the Lufthansa First Class Terminal. It’s a terrific card with a great earning structure, and a perfect choice if your business spend fits into one or more of its many bonus categories.
75k offer: https://www262.americanexpress.com/business-card-application/member/business-gold-charge-card/login/44446-104-1-CAPOBGRC
https://thepointsguy.com/2014/11/should-i-take-75000-point-offer-for-amex-business-rewards/
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Card #3 => Amex Biz Platinum
https://thepointsguy.com/guide/top-5-business-credit-cards/
https://thepointsguy.com/2016/10/amex-business-platinum-flights-transfer-or-pay-with-points/
https://thepointsguy.com/2017/04/amex-reduced-airfare-rebate/
https://thepointsguy.com/2015/01/best-american-express-membership-rewards-redemptions/
https://thepointsguy.com/guide/10-things-to-do-amex-platinum/
https://thepointsguy.com/2014/03/new-american-express-platinum-card-benefits-free-tsa-precheck-and-unlimited-free-boingo-wifi/
https://thepointsguy.com/2015/02/gogo-wifi-passes-for-amex-business-platinum-cardholders/
https://thepointsguy.com/2014/06/boingo-amex-preferred-plan-worldwide-wifi-for-free/
https://thepointsguy.com/2015/10/free-hilton-gold-status-with-amex-platinum/
https://rewards.americanexpress.com/olet/enrollOffer?campaignId=bvdk1015&offerType=hiltonbvdk1015
https://thepointsguy.com/2013/03/how-to-renew-your-platinum-amex-spg-gold-status/
https://thepointsguy.com/2013/06/my-experience-getting-refunded-for-global-entry-using-my-amex-platinum/
https://thepointsguy.com/2013/05/seriously-get-global-entry-already-faq-ways-to-get-it-for-free/
https://thepointsguy.com/2015/04/want-expedited-security-time-to-join-tsa-precheck-global-entry-or-clear/
https://thepointsguy.com/2014/12/using-amex-fhr-to-save-big-on-luxury-hotels/
For a while this card was famous for its 50% points rebate which effectively guaranteed a value of 2 cents per point whenever you redeemed Membership Rewards via Amex Travel for a first or business-class ticket, or any ticket on your selected airline.
But now that rebate has been reduced to 35% and as a result the value of this card is slightly diminished. However, even at 35% — which equates to 1.54 cents per point — the rebate can still be a good deal since you’ll also earn redeemable and elite miles on those flights as they’re generally considered revenue tickets.
With the Business Platinum Card you’ll also get a $200 annual airline fee credit, access to American Express Centurion Lounges, elite status with Hilton and Starwood, a $100 Global Entry fee credit, a membership in the Priority Pass lounge program, all the benefits of the American Express OPEN program and 10 free Gogo Wi-Fi passes every year. Plus, it doesn’t charge foreign transaction fees.
There is simply no other business card with those kind of benefits, plus it comes with a 75,000 bonus — 50,000 points after $10,000 spent within the first three months and an additional 25,000 points when you spend another $10,000 within the first three months.
Update 4/28/17 12:31pm: A bit of good news! According to an Amex Travel rep (and several reader reports), if you signed up for your card between October 6, 2016 and May 31, 2017, you’ll still receive the 50% rebate with no cap for one year from the date your card was issued. For any other customers, you’ll need to purchase (but not fly) your flight before June 1, 2017 in order to receive the 50% rebate.
https://thepointsguy.com/2011/12/maximizing-the-amex-platinum-200-airline-fee-credit/
This benefit is for all Platinum card members and runs on a calendar year – so if you don’t use it all by December 31, you lose it. So this means that if you got a Platinum card now- you’d get $200 until December 31 and then another $200 on January 1. Those $400 in credits basically pay for the first year annual fee of $450. Also, if you ever decide the Platinum card isn’t the right choice for you, you can always downgrade to a lower/no fee card or cancel and Amex will refund prorated your annual fee.
The fee credit is automatic- as long as you purchase any of the following items directly from an airline, the charge should get automatically rebated from your statement.
Approved items:
Checked baggage fees
Overweight/oversize baggage fees
Change fees
Phone reservation fees
Pet flight fees
Airport lounge day passes and annual memberships
Seat assignment fees
In-flight amenity fees (beverages, food, pillows/blankets, etc)
In-flight entertainment fees (excluding wireless internet)
This credit is not applicable for the following charges:
Airline tickets
Charges processed by merchants other than the airline the Cardmember is enrolled in (for example, inflight Internet services providers such as GoGo)
Charges made by airline partners (for example, Cardmember purchase ticket on enrolled airline Delta, but purchases food on an Air France flight)
Trip insurance / baggage insurance
Ticket upgrades (Including American Airlines Upgrade Stickers)
Travel agent fees
Point transfer fees
Duty free purchase
Award ticket fees
Gift cards issued by Airlines
There seems to be a ton anecdotal evidence on Flyertalk, however, that people have in fact been able to use their $200 reimbursement to purchase airline tickets, upgrades, and even elite status through a variety of methods that have to do with the amount a ticket or airline voucher costs in addition to the way it is coded on their credit card bill.
It seems as though, if the charge is quoted as “Travel – Airline,” that the chance of reimbursement is pretty slim. The operative factors here seem to be both the way a ticket is charged, or the amount of money spent on a fare, as well as a variety of sidestepping methods that include purchasing airline vouchers (usually at the $100 mark or under) that can then be used pretty much for any expense on the airline, including tickets.
Vouchers
One way many Amex Platinum customers seem to be finding success at reimbursement is to purchase small-amount airline vouchers. Though one AA flyer didn’t get reimbursed for a $200 travel certificate he bought on AA.com, another who purchased four $50 certificates was reimbursed immediately, and he could use them to purchase airline tickets, so a lot of people conjecture that the amount of each purchase has a lot to do with whether the reimbursement goes through. This seems to be the method of choice–quite a few people reported being reimbursed for buying several $50 airline certificates, and for a couple, it has worked with two $100 gift cards. On Continental, a $25 gift card and a $75 gift card were reimbursed, but not one over $100, and on Alaska, a $50 gift voucher was also reimbursed. The key seems to be purchasing gift vouchers of under $100, and of just $50 each to be safe.
The good news is, the possibilities with Amex points are boundless thanks to the program’s 17 airline and 4 hotel partners.
You can transfer Amex Membership Rewards points to 17 airlines and 4 hotels.
Airlines
- Star Alliance: Air Canada Aeroplan, All Nippon Airlines, Singapore Airlines
- Oneworld: British Airways, Iberia, Cathay Pacific
- Skyteam: Delta, Air France/KLM Flying Blue, Alitalia, Aeromexico
- Other: El Al, Emirates, Frontier (ends March 4, 2015), Hawaiian Airlines, JetBlue, Virgin America, Virgin Atlantic
Hotels
Below, you’ll find 10 great ways to reap a lot of value from American Express Membership Rewards points, but before you get started, check out these useful posts:
https://thepointsguy.com/2016/08/ultimate-guide-to-amex-centurion-lounges-at-us-airports/
https://thepointsguy.com/2013/08/the-ultimate-guide-to-american-express-membership-rewards-airline-transfers/
In particular, the Business Platinum card offers a 25% bonus for redeeming through American Express Travel, so those 100,000 points are worth $1,250 in flights, hotels and more.
If you decide after a year (or even down the line) that the card isn’t for you, Amex will pro-rate the annual fee, or allow you to switch to their new EveryDay card, which has no annual fee and still allows you to keep your Membership Rewards points active.
NEW!
5X POINTS ON FLIGHTS& ELIGIBLE HOTELS
Platinum Card® Members get 5X MembershipRewards® points on flights and eligible hotelsat amextravel.com.* https://travel.americanexpress.com/home https://travel.americanexpress.com/travel/travel-paywithpoints
both point redemption. 5x points. 35% – 50% point redemption. $200 travel credit for baggage fees/etc. plus free uber credit that comes with the card.
Card #4 => Amex Plum card -> $600 back on $30,000 in ad-spend in first 3 months (10k/mo)
https://www.americanexpress.com/us/small-business/credit-cards/plum/44279?linknav=us-acq-open-aj-compare-plum-lm
https://www.americanexpress.com/us/small-business/credit-cards/business-card-compare-error?timeout=true
Pay earlyGet a 1.5% early pay discount with no cap.‡Pay laterTake up to 60 days to pay with no interest.‡Buy bigwith a spending limit that can grow with your business.‡Fees$0 introductory annual fee for the first year, then $250†This Charge Card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.‡
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Card #4:
https://creditcards.offers.com/offers/amex-starwood-business
https://creditcards.offers.com/offers/amex-starwood-preferred?path=zzz-smk5-gls-100a1a&adposition=1t2&creative=179162877788&device=c&network=g&source=s
- Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. †
- Limited Time Offer- Earn an extra 10,000 bonus Starpoints® after you make an additional $2,000 in purchases within the first 6 months. Offer ends 4/5. †
- Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases. ‡
- Annual Fee: $0 introductory annual fee for the first year, then $95.†¤
Enough for 2 Free Nights‡ at a Category 4 hotel
FREE NIGHTS
Earn free nights at over 1,300 hotels and resorts in over 100 countries. Some hotels may have mandatory service and resort charges.
The St. Regis Osaka is a Category 6 hotel available for as little as 20,000 Starpoints per night.
Current Bonus: For a limited time, earn up to 35,000 bonus Starpoints — 25,000 points when you make $3,000 in purchases with the personal card or $5,000 with the business card within the first three months. Then earn an extra 10,000 points when you make an additional $2,000 in the purchases on the personal card or an additional $3,000 on the business card within the first six months.
Standout Benefits: You’ll earn 2 Starpoints per dollar on purchases at participating Starwood (and now Marriott) hotels, and 1 Starpoint per dollar on all other purchases. The card comes with 2 stays and 5 nights of credit toward SPG elite status each year and automatic Gold status when you spend $30,000 on the card in a calendar year. Both the personal and business cards include no foreign transaction fees, complimentary unlimited Boingo Wi-Fi on up to four devices at once and complimentary premium in-room internet access. The business version gives free access to Sheraton Clubs when you book rates that are eligible to earn Starpoints and comes with OPEN program perks and discounts.
Annual Fee: $0 the first year, then $95
Why they’re worth it: If you’ve been considering getting one of the Starwood Preferred Guest cards, this is a particularly good time to do it, as you can earn 10,000 extra points by meeting an additional spending requirement in the first six months. SPG hotel redemptions can be valuable in and of themselves at properties such as the St. Regis Osaka, where I stayed last fall. But you can also transfer Starpoints to over 30 airline partners and geta 5,000-mile bonus when transferring in blocks of 20,000 points, which makes this card a popular one for many. In addition, you can now also transfer points from Starwood to Marriott Rewards at a 1:3 ratio, opening up even more redemption options such as Marriott Hotel + Air packages which combine a hotel stay with free airline miles — and in some cases even a Southwest Companion Pass. These cards may disappear entirely at some point given Marriott’s takeover of Starwood, and the elevated 35,000-point offers will only be around until April 5. So if you’re interested in signing up, this is the month to do it.
Card #4. The Business Platinum Card from American Express OPEN
https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/42732?PID=15-12825003-7242679-90d81e2416334b3ab071c5f77d1f6e03&BUID=SBS&PSKU=BPC&CRTV=BAUSITE
https://thepointsguy.com/2016/10/amex-platinum-5x-airfare/
https://thepointsguy.com/2015/12/american-express-membership-rewards-transfer-times/
https://thepointsguy.com/2016/08/ultimate-guide-to-amex-centurion-lounges-at-us-airports/
A new Centurion Lounge is expected to open in Philadelphia this fall, and you can get in with the Amex Business Platinum.
Current Bonus: Earn up to 75,000 Membership Rewards points — 50,000 points after you spend $10,000 on the card and an additional 25,000 points after spending an additional $10,000, all within your first three months of cardmembership.
Benefits: Earn 5 points per dollar on airfare and prepaid hotels booked through Amextravel.com (as of March 30, 2017) and 2 points per dollar on other eligible purchases when you book through American Express Travel, 1.5 points per dollar on purchases of $5,000 or more (up to 1 million additional points per year) and 1 point per dollar on other purchases. Transfer Membership Rewards to 20 airline and hotel partners or redeem directly for airfare and get a 50% points rebate when booking first or business class, or any seat on the airline of your choice. Access to Centurion Lounges, Priority Pass lounges (with two guests) and Delta Sky Clubs (when flying Delta). A $200 annual airline fee rebate and Global Entry or TSA PreCheck application rebate.
Annual Fee: $450
Why it’s worth it: 75,000 Membership Rewards points is an impressive sign-up bonus, even though there’s a significant spending requirement. But you’re guaranteed to get at least 2 cents per point in value which makes this bonus worth at least $1,500 without even counting any of the other benefits. That 2 cents per point comes from the 50% points rebate — you get half your points back when redeeming for air travel with the same carrier you select for the annual airline fee credit, or when you book business or first-class airfare with any airline through Amex Travel. It’s a feature that has totally changed the way I book travel, and thanks to the flexibility of Membership Rewards, you can sometimes get even more value by transferring points to one of the program’s 20 transfer partners. Additionally, as of March 30, 2017, you’ll earn 5 points per dollar spent on airfare and prepaid hotels booked through Amextravel.com.
If you’re a regular traveler, you’ll want to keep this card in your wallet like I do since it gives you access to Centurion Lounges in the US and soon worldwide starting in Hong Kong, plus Priority Pass lounges and Delta Sky Clubs when you’re flying on Delta. If the $450 annual fee gives you pause, keep in mind it’s partially offset by both the $200 annual airline credit and the Global Entry or TSA PreCheck credit. The Business Platinum has always been a card with great benefits, and now with the recent enhancements on the redemption side, this card is a winner.
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https://thepointsguy.com/2015/06/award-availability-united-cards/
Now could be a great time to sign up for the United MileagePlus Explorer Card or the United MileagePlus Explorer Business Card if you’re hoping to boost your United account balance for an upcoming award booking. Both cards are currently offering elevated sign-up bonuses of 50,000 miles after you spend $3,000 in the first three months. Even better, some cardholders are being targeted for 70,000-mile offers, just like we saw in June.
The standard sign-up offer for these co-branded cards is 30,000 miles after you spend $1,000 in the first three months, so the current bonus is a significant step up. You have to spend $2,000 more in the first three months to earn the miles, but that’s still a relatively reasonable spending requirement — especially with Tax Day not too far away.
TPG values United miles at 1.5 cents apiece, so this 50,000-mile sign-up bonus gets you $750 in value. Of course, the actual value depends on how you redeem them, and you have a variety of options using this one bonus alone. For example, with 50,000 miles, you could book a round-trip domestic flight in first class at the Saver level, two domestic Saver round-trips in economy or a one-way Saver flight in the main cabin from the US to Europe.
Beyond the 50,000 miles you’ll earn for meeting the minimum spending requirement, these cards could be worth having thanks to the perks they extend to you when you’re flying United. With both the MileagePlus Explorer Card and the MileagePlus Explorer Business Card, you’ll get a free first checked bag, priority boarding and two United Club passes per cardmembership year.
You’ll also earn 2 miles per dollar on all United purchases, and you won’t ever have to pay foreign transaction fees. Both cards have a $95 annual fee — it appears to be waived the first year with the business card’s current offer, but not for the personal card. And with the personal card, you can earn 5,000 bonus miles when you add an authorized user and they make a purchase in the first three months. Additionally, both cards offer a Premier-Qualifying Dollar (PQD) waiver, plus 10,000 bonus miles, when you spend $25,000 or more on the card each calendar year.
Bottom Line
We saw similar bonuses on these cards last summer, but if you missed out then and are looking to jump-start your award travel on United or other Star Alliance carriers, now could be a great time to sign up for either, or both, of these cards.
How would you use 50,000 United miles?
https://thepointsguy.com/2015/06/award-availability-united-cards/
That’s not all the news, though. Amex has also updated the The Business Platinum Card from American Express OPEN with an increased earning opportunity. Now, you can get 1.5x points (equal to a 2.85% return based on TPG’s valuations) on purchases over $5,000. This isn’t as huge as the 5x points on airfare, but if you often make significant purchases for your business, it’s nice to know that you’ll enjoy 50% more points as a reward.
While the Business Platinum Card won’t be getting the 5x bonus on airfare purchases, Amex will now offer 50% points back when cardholders redeem for a flight through Amex Travel. Note that you’ll only be able to earn a 50% points rebate when you make a purchase with your selected airline, and when you purchase a business- or first-class ticket with any airline.
Bottom Line
By adding a 5x airfare category to its premium Platinum cards and updating the Business Platinum card to feature a 1.5x category, Amex is adding some real value. We’ve long bemoaned the lack of bonus categories on the Amex Platinum, and 5 points per dollar isn’t merely a step in the right direction; it makes this card an obvious choice for airfare purchases. And while the new ability to earn 1.5x points on purchases over $5,000 with the Business Platinum isn’t as revolutionary, it still shows that the issuer knows how important category bonuses can be to cardholders.
Will you be using the Amex Platinum to earn 5x points on airfare?
While this premium card has one of the highest annual fees on the market, it has several valuable perks that could make it worthwhile, depending on your travel patterns. These include a $200 annual airline rebate, lounge access, free Hilton Gold status and free Starwood Preferred Guest Gold status.
- 5X points for flights booked directly with airlines or with American Express Travel.
https://thepointsguy.com/2016/10/amex-5x-on-airfare/
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- Lucrative Category Bonuses
The Amex Business Gold Card lets you choose one category to earn 3x Membership Rewards per dollar, and that bonus can really add up. Once you sign up, you can choose from one of these five categories:
- Airfare purchased directly from airlines
- US purchases for advertising in select media
- US purchases at gas stations
- US purchases for shipping
- US computer hardware, software and cloud computing purchases made directly from select providers.
You can earn 3x on one category, 2x points on the other four and 1x points on all other purchases.
Upon signing up for the card, you’ll be able to select which category with which you want to earn 3x points, and the remaining four categories will earn you 2x per dollar and you’ll earn 1x points on all other purchases. So because I selected advertising as my category, all Facebook, Google and Twitter ads count as purchases to earn that bonus. Even though you can only earn up to $100,000 in spend with the 3x bonus, that’s 300,000 Membership Rewards points — worth $5,700 based on my most recent valuations.
If I were to only earn 1x points on those same advertising purchases, I’d have 100,000 points versus the 300,000 I’ll get with Business Gold — a pretty stark difference. The difference in points earned makes this card a no-brainer, considering the annual fee is just $175, which is waived the first year.
The Card
Amex BGR comes with a sign-up bonus of 50,000 points after you spend $5,000 in the first three months. Note that there are 75,000-point sign-up bonus offers out there, so if you’re targeted you’ll want to go with that option instead.
I was instantly approved for my second Business Gold Rewards Card.
To add to the valuable points-earning categories with the card, I was approved for a second Business Gold card for my side business. While I won’t get the 50,000 point sign-up bonus on the second card, I’m excited to continue maximizing the 3x category spend bonus.
The Amex OPEN Savings program can be a valuable tool for small business owners, as it gives you access to discounts or bonus points for purchases made with select merchants. If you’re enrolled in the program with Business Gold, you can get an additional 2 Membership Rewards points per dollar spent OR a 5% discount as a statement credit with eligible OPEN Savings partners.
Now that Amex has added a 5x bonus on airfare purchases with The Platinum Card, I’ll be charging flights on that card so that’s one category I won’t max out with Business Gold. But if you were to max out all five categories, you could earn 1,100,000 Membership Rewards Points — worth $20,900 based on my most recent valuations — plus any points you’d earn with the 1x point bonus.
Bottom Line
Based on what your business is spending, Business Gold is a no-brainer — especially with the 50,000-point sign-up bonus. The bonus categories and the OPEN Savings program, coupled with the superior customer service of Amex, make the benefits of the card far outweigh the small annual fee.
The Business Gold Card is a mainstay with me for my business expenses. Even though I may not carry it in my wallet everyday, it’s used (including spend by the authorized cardholders on the account) for much of TPG’s expenses. It’s nice to have a Membership Rewards balance in the seven figures because there are so many ways to use Amex points.
The Business Gold Rewards Card from American Express OPEN
Though the Business Gold Rewards card doesn’t have the benefits package of the more premium Business Platinum Card, it also doesn’t have that card’s $450 annual fee. In fact, the $175 annual fee on this one is waived the first year, so getting it is like a risk-free trial of its benefits plus it comes with appealing bonus spending categories like 3x on the category of choice and a range of 2x spending categories as well.
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I’ve also already used the Priority Pass and having access to airport lounges was super fun bonus. Will apply for the Global Entry credit as soon as I get my new Green Card in the mail! Lots of excellent benefits.