Navigating the world of business credit cards can be daunting, especially for freelancers with low spending habits. In the search for the ideal card, the Ink Business Preferred® Credit Card initially stood out due to its lucrative rewards structure, offering three points per dollar on travel and phone expenses for a $95 annual fee, along with an enticing welcome bonus of 120,000 points after spending $8,000 in the first three months. However, for those with limited monthly expenses, such spending thresholds can be unrealistic. Similarly, The American Express Blue Business Cash™ Card, which offers 2% cash back on eligible purchases up to $50,000, posed a challenge with its own high spending requirement for the welcome bonus. Ultimately, the author realized that while both cards have significant benefits, they are not suitable for low-spenders, as the spending requirements overshadow the potential rewards. The search continues for a more fitting option that aligns with modest business expenses.
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