The Business Platinum Card from American Express

The The Business Platinum Card from American Express from American Express offers a 300,000 points sign-up bonus worth approximately $1,800. You need to spend $20,000 in 15 months, which requires planning but is achievable with regular expenses.

As a business card, the The Business Platinum Card from American Express does not report to personal credit bureaus (for most issuers) and does not count toward Chase's 5/24 limit — though you must be under 5/24 to be approved. You do not need an LLC to apply — sole proprietors with any side income qualify.

Beyond the sign-up bonus, the card earns 5x flights booked directly or via Amex Travel, 1.5x on purchases $5k+ on top of 1x on all purchases. Membership Rewards points transfer to 15+ airline and hotel partners, often yielding 1.5-2 cents per point.

The $895 annual fee is offset by the card's perks and credits — evaluate which benefits you'd naturally use. The card requires excellent credit (750+).