Amex Business Gold

Apply at americanexpress.com. The Membership Rewards points transfer to 15+ partners — best redemption value via Aeroplan, ANA, or Avianca LifeMiles for international business class flights.

The Amex Business Gold is the right card for ad-heavy businesses (digital ads, marketing agencies, e-commerce). $375 annual fee, 4x Membership Rewards on your top 2 spending categories each month from a list of 6 (advertising, gas, restaurants, transit, US computer hardware, US shipping). At 4x with transferable Membership Rewards points (1.5-2 cpp), it can earn 6-8% effective return on advertising spend. The flexibility of monthly category selection is unique.