U.S. Bank Business Altitude Connect Visa Signature Card overview

The U.S. Bank Business Altitude® Connect Visa Signature® Card is a solid choice for business owners interested in dipping their toes into premium benefits and high earning rates at a modest $0 introductory annual fee for the first year (then $95 thereafter). However, if you are looking for more perks, you may be better off with another option. Card rating*:

*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

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The U.S. Bank Business Altitude Connect is a solid travel rewards card since it provides bonus points on travel-related purchases, airport lounge privileges and statement credits for ride-hailing services.

The card earns points that can be redeemed for travel, deposits to a qualifying U.S. Bank account or gift cards, among other options. To increase applicants’ chances of approval for this card, we recommend that they have a minimum credit score of 670.

Let’s get into the details and see if this card could be a good option for your wallet.

U.S. Bank Business Altitude Connect pros and cons

Pros	Cons
Elevated earning rates in popular bonus categories, such as airfare, dining, gas and hotels Priority Pass airport lounge access (four complimentary visits per membership year) Statement credits for ride-hailing or taxi services	$95 annual fee after the first year

U.S. Bank Business Altitude Connect welcome offer

New applicants for the U.S. Bank Business Altitude Connect can earn 60,000 bonus points after spending $6,000 on eligible purchases within the first 180 days from account opening.

This bonus provides good value for a card with no annual fee for the first year.

It is important to note that the card’s redemption options are limited since you can’t transfer to partners like its competitors.

Because of this, the best redemption you can get with this offer is at a fixed rate of 1 cent per point for travel, making the bonus worth $600.

Related: The best credit card welcome bonuses currently available

U.S. Bank Business Altitude Connect benefits

The U.S. Bank Business Altitude Connect provides a solid suite of benefits, especially considering its $0 introductory annual fee for the first year ($95 thereafter).

For one, business travelers receive a Priority Pass Digital annual membership to access more than 1,700 lounges and four complimentary visits each membership year. This is a great perk for frequent travelers who want a card with lounge access for a modest annual fee.

Cardholders on the go will also receive $25 in statement credits after making at least one ride-hailing-service purchase with a provider such as Uber or Lyft (or even a taxi service) on the card across three consecutive months.

The U.S. Bank Business Altitude Connect is an excellent card to take abroad since it doesn’t charge foreign transaction fees.

Business owners also receive helpful financial tools like U.S. Bank Spend Management — a platform for monitoring and managing expenses — and access to a new cardmember $0 fee offer on ExtendPay Plans opened within the first 60 days of account opening.

Plus, cardholders who also hold the personal U.S. Bank Altitude® Connect Visa Signature® Card can transfer points between their business and personal cards to build up a combined balance more quickly.

The information for the U.S. Bank Altitude Connect has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best business credit cards with no foreign transaction fees

Earning points with the U.S. Bank Business Altitude Connect

The U.S. Bank Business Altitude Connect shines with its high earning rates across popular spending categories for business owners.

With this card, you’ll earn:

• 5 points per dollar spent on car rentals and hotels booked directly in the Travel Center
• 4 points per dollar spent on travel, including airfare and hotels, on gas and at electric vehicle charging stations (excluding discount stores/supercenters and wholesale clubs) and at hotels on the first $150,000 in combined annual spend
• 2 points per dollar spent on cellphone services, dining, restaurant delivery and takeout
• 1 point per dollar spent on all other purchases

The U.S. Bank Business Altitude Connect covers a vast range of common purchases, especially for business owners who travel frequently.

The travel category includes multiple types of travel, as it earns bonus points on EV charging and gas in addition to airfare and hotels. The addition of a bonus category for cellphone services is also a nice touch.

Points earned on the U.S. Bank Business Altitude Connect don’t expire as long as your account is active.

Related: How to pick a strategy for your small-business credit cards

Redeeming points with the U.S. Bank Business Altitude Connect

The points earned with the U.S. Bank Business Altitude Connect are easy to redeem, which could be seen as a positive or a negative, depending on how you like to book travel.

That’s because these points aren’t the flexible travel rewards you may have come to expect with other cards. Instead, you’ll be able to redeem points earned with the U.S. Bank Altitude Connect at a fixed 1 cent per point rate for travel and 0.8 cents apiece for other redemptions, such as cash back, shopping at Amazon and PayPal, and those made through the Real-Time Rewards option.

These are simple options for beginners but could be seen as restrictive if you’re trying to maximize your rewards.

For instance, TPG’s October 2025 valuations deem Chase Ultimate Rewards points, which you can earn with a card like the Ink Business Preferred® Credit Card, as worth 2.05 cents apiece. So, 100,000 Ultimate Rewards points could be redeemed for up to $2,050 in travel, especially if you leverage transfer partners.

The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

However, since the U.S. Bank Business Altitude Connect provides a fixed-value redemption option, 100,000 points earned with this card are worth just $1,000 — no matter what. So, it’s worth considering whether you want to maximize your rewards or if you prefer simple redemption options from a card.

Related: Why the best point redemptions are sometimes the most practical

Which cards compete with the U.S. Bank Business Altitude Connect?

As a travel-oriented business card, the U.S. Bank Business Altitude Connect has multiple competitors.

For additional options, see our list of the best business cards.

Related: Chase Ink Business Preferred vs. Amex Business Platinum: Practicality vs. luxury

Is the U.S. Bank Business Altitude Connect worth it?

Business owners who want to earn bonus rewards on a diverse array of purchases would benefit from adding the U.S. Bank Business Altitude Connect to their wallet. The most important factors to consider are the card’s redemption options. Frequent travelers may be better off with a card that earns more flexible rewards.

Related: Business cards vs. personal cards: Key differences

Bottom line

The U.S. Bank Business Altitude Connect provides solid perks, earning rates and decent redemption options for business owners who don’t want to pay a high annual fee. Travelers who want to maximize their rewards capability may want to look elsewhere.

Award travel beginners and business owners who value simplicity are likely to get the most out of this card.

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Apply here: U.S. Bank Business Altitude Connect Visa Signature Card

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Chase issues some of the most sought-after rewards cards on the market, but the bank also has some of the strictest policies regarding credit card “churning.” It limits cardholders to earning only one welcome bonus per consumer Sapphire card and has its infamous 5/24 rule.

Chase has never officially commented on the 5/24 rule’s existence, but crowdsourced data confirms that applicants will almost certainly be denied new Chase cards if they have opened five or more accounts across issuers in the past 24 months.

All personal credit card accounts count toward this rule, including cards with no preset spending limits and certain store cards. However, many business credit cards, including those issued by Chase, aren’t considered when Chase determines your 5/24 standing.

If you’re trying to stay under 5/24, you can still rack up points and miles with business cards without affecting your ability to apply for Chase cards in the future. This isn’t an exhaustive list, but it covers some of my favorite business cards available right now.

Related: The best no-annual-fee business credit cards

Comparing the best business cards to stay under 5/24

Card	Best for	Welcome offer	Earning rates	Annual fee
Ink Business Preferred® Credit Card	Earning Chase Ultimate Rewards points in a variety of business-centered categories	Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.	Earn 5 points per dollar spent on Lyft rides through Sept. 30, 2027. Earn 3 points per dollar spent on advertising purchases with social media and search engines; cable, internet and phone services; and shipping and travel purchases (on the first $150,000 spent in combined purchases each account anniversary year, then 1 point per dollar). Earn 1 point per dollar spent on all other eligible purchases.	$95
Citi® / AAdvantage Business World Elite Mastercard® (see rates and fees)	American Airlines loyalists	Earn 75,000 bonus miles after spending $5,000 on purchases within the first five months of account opening.	Earn 2 miles per dollar spent on the following categories: cable and satellite providers, car rental merchants, eligible American Airlines purchases, gas stations and telecommunications merchants. Earn 1 mile per dollar spent on all other purchases.	$0 introductory annual fee for the first year, then $99 thereafter
Marriott Bonvoy Business® American Express® Card	Marriott loyalists	Earn 125,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Oct. 22.	Earn 6 points per dollar spent on eligible purchases at Marriott hotels. Earn 4 points per dollar spent on restaurants worldwide, at U.S. gas stations, on U.S. shipping purchases and on U.S. wireless telephone service purchases. Earn 2 points per dollar spent on all other purchases.	$125 (see rates and fees)
Ink Business Unlimited® Credit Card (see rates and fees)	Earning simple cash back	Earn $900 bonus cash back after spending $6,000 on purchases in the first three months from account opening.	Earn 5% cash back on Lyft rides through Sept. 30, 2027. Earn 1.5% cash back on all other eligible purchases.	$0
The Hilton Honors American Express Business Card	Hilton loyalists	Earn 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Jan. 14.	Earn 12 points per dollar spent on eligible Hilton purchases. Earn 5 points per dollar spent on all other eligible purchases (up to $100,000 each calendar year, then 3 points per dollar thereafter).	$195 (see rates and fees)
The Blue Business® Plus Credit Card from American Express	Earning a lot of American Express Membership Rewards points	Earn 15,000 bonus points after spending $3,000 on purchases in the first three months of card membership.	Earn 2 points per dollar spent on the first $50,000 spent each calendar year, then 1 point per dollar thereafter.	$0 (see rates and fees)

The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: The best business and personal credit card combinations

Ink Business Preferred Credit Card

Welcome offer: Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.

Based on TPG’s October 2025 valuations, this offer is worth $1,845.

Annual fee: $95.

Why I like it: Although you need to be under 5/24 to be approved for this card, the Ink Business Preferred Credit Card won’t count toward this rule. Plus, it earns valuable Ultimate Rewards points in a variety of bonus categories that appeal to business owners, and these points can be transferred to one of Chase’s 14 hotel and airline partners (13 partners after Oct. 16).

You’ll also enjoy perks like primary car rental insurance when renting for business and cellphone protection. If your business spends heavily in this card’s bonus categories, this card can be a powerful addition to your wallet despite its annual fee.

To learn more, check out our full review of the Ink Business Preferred.

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Related: 5 reasons to get the Chase Ink Business Preferred Credit Card

Citi / AAdvantage Business World Elite Mastercard

Welcome offer: Earn 75,000 bonus miles after spending $5,000 on purchases within the first five months of account opening.

Based on TPG’s October 2025 valuations, this offer is worth $1,163.

Annual fee: $0 introductory annual fee for the first year, then $99 thereafter.

Why I like it: Regardless of whether you fly American frequently, you can find great value in this card’s welcome bonus because the carrier is a member of the Oneworld alliance. Many great redemption options exist for anyone who can find the sweet spots in the AAdvantage program.

For example, TPG credit cards writer Danyal Ahmed recently booked three Japan Airlines business-class seats for his family to travel from Kansai International Airport (KIX) in Japan to Los Angeles International Airport (LAX) for 60,000 AAdvantage miles each.

For those who prefer American for their travels, you’ll enjoy perks like a free checked bag on domestic itineraries, 25% off inflight purchases and the ability to earn a companion certificate after renewing your card and spending $30,000 or more in a cardholder year.

To learn more, check out our full review of the AAdvantage Business Mastercard.

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Apply here: Citi / AAdvantage Business  World Elite Mastercard

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Related: What credit score do you need to get the Citi / AAdvantage Business  World Elite Mastercard?

Marriott Bonvoy Business American Express Card

Welcome offer: Earn 125,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Oct. 22.

Based on TPG’s October 2025 valuations, this offer is worth $875.

Annual fee: $125.

Why I like it: Another solid option is the Marriott Bonvoy Business Amex Card, as it has a generous welcome bonus. With the Bonvoy Business Amex, you’ll get complimentary Gold Elite status, which includes perks like 25% bonus earnings on Marriott stays and 2 p.m. late checkout (subject to availability).

As a cardmember, you’ll also receive a free night award certificate every year after your card renewal month and other Marriott perks. Chase Ultimate Rewards points also transfer to Marriott, so this is a great card to pair with your existing Chase accounts.

Marriott has over 9,300 properties worldwide, including many great hotels where you can use free night certificates. That includes the Sheraton Denarau Villas, where I previously redeemed a certificate.

To learn more, check out our full review of the Bonvoy Business Amex.

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Apply here: Marriott Bonvoy Business American Express Card

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Related: Here’s why you need both a personal and business Marriott Bonvoy credit card

Ink Business Unlimited Credit Card

Welcome offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first three months from account opening.

Annual fee: $0.

Why I like it: The Ink Business Unlimited Credit Card offers unlimited 1.5% cash back on every business purchase, perfect for those who like simplicity with earnings.

Plus, if you pair this card with a Chase card that earns Ultimate Rewards points, like the Chase Sapphire Preferred® Card (see rates and fees), you can pool your Ink Business Unlimited rewards and have access to Chase’s transfer partners for maximum redemption value.

If you prefer a simple, no-frills approach to earning cash back, this card is a great option to stay under 5/24 without paying an annual fee.

To learn more, check out our full review of the Ink Business Unlimited.

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Apply here: Ink Business Unlimited Credit Card

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Related: Your guide to the Chase Ink Business credit cards

Hilton Honors American Express Business Card

Welcome offer: Earn 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Jan. 14.

Based on TPG’s October 2025 valuations, this offer is worth $875.

Annual fee: $195.

Why I like it: If you stay at Hilton hotels frequently and are in the market for a cobranded hotel card for your business, the Hilton Honors Amex Business is a solid option.

It has a simple earnings structure. You’ll earn 12 points per dollar spent at Hilton properties. Plus, you’ll earn 5 points per dollar spent on all other purchases for the first $100,000 in spending per calendar year (then 3 points per dollar thereafter).

Plus, cardmembers receive automatic Hilton Gold status and National Emerald Club Executive status (enrollment in the Emerald Club program is required).

To learn more, check out our full review of the Hilton Honors Amex Business.

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Apply here: Hilton Honors American Express Business Card

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The Blue Business Plus Credit Card from American Express

Welcome offer: Earn 15,000 bonus points after spending $3,000 on the card in the first three months of card membership.

Based on TPG’s October 2025 valuations, this offer is worth $300.

Annual fee: $0.

Why I like it: Reaching minimum spending requirements for welcome bonuses can be difficult for small businesses without high annual spending. However, The Blue Business Plus has a welcome offer that’s attainable for most businesses, regardless of their annual spending.

Additionally, if you value simplicity with earnings, this card is a great fit. You’ll earn 2 points per dollar spent on all purchases for the first $50,000 in spending per calendar year, then 1 point per dollar after.

If your business spends less than $50,000 each year, this card is an excellent choice. Plus, you’ll earn Membership Rewards points and have access to Amex’s roster of 20 hotel and airline partners.

To learn more, check out our full review of the Blue Business Plus.

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Apply here: The Blue Business Plus Credit Card from American Express

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Related: Amex Blue Business Cash vs. Blue Business Plus: The battle of the blues

Things to consider when applying

Pretty much any business credit card can help you continue to earn welcome bonuses while staying under 5/24. Keep in mind, though, that other issuers have their own restrictions in place that might affect your approval.

Fortunately, you don’t need a traditional business to apply for a business credit card. Whether you walk dogs on the side, drive for Uber or run your own reselling business, you’re eligible to apply for a business card.

Additionally, you may be wondering why no Capital One business cards are on this list. That’s because all Capital One business cards count toward your 5/24 status except the ones with no preset spending limits, the Capital One Venture X Business and the Capital One Spark Cash Plus.

Remember to keep business and personal expenses separate whenever possible. Business cards do not have the same consumer protections as personal cards, and mixed expenses can get messy during tax season.

Plus, some issuers frown on using your business card for personal expenses and may close your account for doing so.

Related: Reasons to get a business credit card

Bottom line

While Chase cards offer real long-term value for cardholders, it diligently monitors account applications. If you get approved for too many cards in a short period of time, you could risk getting future applications for Chase cards denied.

Business cards can come in handy when you’re trying to avoid the pitfall of Chase’s 5/24 rule. If you time your applications correctly, you can space out your personal card applications while still earning points and miles by applying for a business card.

That way, you’re not locking yourself out of opportunities to earn valuable bonuses on Chase’s consumer cards.

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Apply here: Citi / AAdvantage Business World Elite Mastercard
Apply here: Marriott Bonvoy Business American Express Card
Apply here: Ink Business Unlimited Credit Card
Apply here: Hilton Honors American Express Business
Apply here: The Blue Business Plus Card from American Express

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For rates and fees of the Marriott Bonvoy Business, click here.
For rates and fees of the Hilton Honors American Express Business, click here.
For rates and fees of the American Express Blue Business Plus, click here.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

When you run a business, every dollar counts. Having the right credit card can not only help you pay the bills, but it can go a long way to help you actually save money.

As a business owner, you can qualify for cards that offer better rewards and perks than most personal travel cards.

(And don’t forget: freelancers, side hustlers, and really anyone with a bit of income on the side can qualify for business cards too. You don’t need to be an LLC or have a formal business setup!!)

One of the cards I love is the American Express® Business Gold Card. It’s simple and straightforward, offering flexible bonus categories that actually match your spending habits (something I wish more cards did), and is especially good if you do a lot of paid online ads.

Here’s everything you need to know about the American Express® Business Gold Card to see if it’s right for you:

 

What is the American Express® Business Gold Card?

The Business Gold Card is an easy-to-use business card issued by American Express. Its best feature is the ability to earn 4x points on the top two eligible categories where your business spends the most each month, from six eligible categories (more on those below).

I like that this keeps things simple, instead of offering a laundry list of statement credits to keep track of (though if you are interested in a card that does, check out my review of The Business Platinum Card® from American Express).

As an Amex card, you’ll also get access to fantastic customer service, Amex Offers, and some travel protections.

Here’s a glance at some of the benefits this card offers:

• Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first three months of Card Membership
• Earn 4x Membership Rewards points on the top two eligible categories where your business spends the most each month, from six eligible categories. While your top two categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x). Only the top two categories each billing cycle will count towards the $150,000 cap
• Earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Earn 1x on all other purchases
• Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and office supply stores (that’s up to $240 per year)
• Earn up to a $12.95 (plus applicable taxes on one membership fee) statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card (that’s up to $155 per year)
• No foreign transaction fees (See Rates & Fees)
• Extended warranty, purchase, and cellphone protection*
• Secondary car rental and baggage insurance*

The card does come with a $375 annual fee (See Rates and Fees).

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
 

Earning Membership Rewards Points

As I mentioned, the best feature of this card is the ability to earn 4x in the two categories where your business spends the most (on your first $150,000 of spending each year). It’s important to understand that this doesn’t include all spending categories though, just these six eligible categories:

1. Purchases at US media providers for advertising in select media (online, TV, radio)
2. U.S. purchases made from electronic goods retailers and software & cloud system providers
3. U.S. purchases at restaurants, including takeout and delivery
4. U.S. purchases at gas stations
5. Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
6. Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

The nice part about this benefit is that your top two categories can change from month to month, reflecting your real-time business needs. But one of the ways to really maximize this benefit is that you can get 4x on online ads while most other cards offer a max of 3x. So, if you put all your online ads on this card and keep it as one of your top categories, you can get more points per dollar spent on ads than any other card!

And don’t worry about keeping track of which categories are your most used. The card automatically figures out your top two spending categories and awards points accordingly (you’ll see them as 1x until your statement closes, after which your top categories will be determined and points awarded).

To me, this is a huge perk because it keeps things simple. After all, as a business owner, you already have enough on your plate.

On the flip side, your regular business spending might not align with these categories. If that’s the case, I’d recommend a business card that has an increased earning rate on the ones that you do spend in, or one that earns more across all categories (you can check out which ones I recommend in this post on my favorite business cards).
 

Using Your Membership Rewards Points

With the Business Gold Card, you’ll earn Membership Rewards® points, which you can transfer to any of Amex’s 21 airline and hotel partners. Since Amex has a well-rounded suite of travel partners, Membership Rewards points are some of the most valuable points out there.

These are Amex’s current travel partners:

• Aer Lingus AerClub (1:1 ratio)
• Aeromexico Rewards (1:1.6 ratio)
• Air Canada Aeroplan (1:1 ratio)
• Air France-KLM Flying Blue (1:1 ratio)
• ANA Mileage Club (1:1 ratio)
• Avianca LifeMiles (1:1 ratio)
• British Airways Club (1:1 ratio)
• Cathay Pacific Asia Miles (1:1 ratio)
• Choice Privileges (1:1 ratio)
• Delta SkyMiles (1:1 ratio)
• Emirates Skywards (1:1 ratio)
• Etihad Guest (1:1 ratio)
• HawaiianMiles (1:1 ratio)
• Hilton Honors (1:2 ratio)
• Iberia Plus (1:1 ratio)
• JetBlue TrueBlue (250:200 ratio)
• Marriott Bonvoy (1:1 ratio)
• Qantas Frequent Flyer (1:1 ratio)
• Qatar Airways Privilege Club (1:1 ratio)
• Singapore KrisFlyer (1:1 ratio)
• Virgin Atlantic Flying Club (1:1 ratio)

Most transfers are instant, though some can take up to 48 hours. Remember to only transfer the exact number of points that you need to book your flight or hotel. Transfers are one-way only.

You can also use your Membership Rewards points to book flights and hotels in the Amex Travel portal. I would advise against it though. It’s not as good a value as transferring your points to partners.
 

Up to $395 Per Year in Flexible Credit for Business Purchases

The Business Gold card offers statement credits in two categories, adding up to a potential annual savings of $395 per year (effectively paying for the cost of the card).

First, you can earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and office supply stores.

Second, you can earn up to $12.95 in statement credits each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. (Up to $12.95 plus applicable taxes. Plus Ups not eligible.)

I find these statement credits a bit random, and they’re not the most helpful if you have an online business like me. I usually max out on the Grubhub credits though!
 

Access to Amex Offers

The Business Gold Card also has access to Amex Offers, an ever-changing roster of deals where you can save money or earn bonus points with select retailers. The offers are targeted, so every cardholder has their own unique array of offers at any given time. For these offers, you do have to add them to your card before making a purchase (or you won’t get the deal).

Usually, they’re structured as “spend X, get Y amount back as a statement credit” though sometimes they’ll offer bonus points or a percentage back. While you probably won’t be able to take advantage of most offers, the more you can, the more you can offset the card’s annual fee.

New offers get added as old ones expire, so it’s worth checking back every so often so you can add any offers to your card that you might use.
 

Who is the Business Gold Card for?

The Business Gold card is best for business owners who have regular spending in the six categories where you can earn 4x points. This card is especially ideal for entrepreneurs who don’t want to worry about rotating or pre-selecting bonus categories. All you have to do is use it for your regular business spending and you’ll get your points.

Like with any card, if you’re carrying a balance — or think you might — you shouldn’t get this one. Travel cards like this come with high interest rates, and the rewards you earn won’t make up for what you’ll lose in interest charges. Trust me, no amount of points is worth going into debt over!

This card is also not for anyone with poor credit, as you need excellent credit to qualify. (If that’s you, check out the best credit cards for improving your score.)

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The American Express Business Gold Card is one of my favorite business cards. The ability to automatically earn 4x points on your top two spending categories each month keeps things simple and helps you rack up points quickly. And more points equals more trips.

While it’s not as flashy as its more premium counterpart the Business Platinum, I like to keep the Business Gold in my wallet because it works hard behind the scenes. If you’re looking for a solid business card that works as hard as you do, this one’s worth a closer look.

Click here to learn more and sign up!