Started independent consulting. I need your help to determine the best business card with most benefits as a small business. I want an ability to download expenses. Also, ability to use it at places like Costco, Business Lounges at airports.

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I know my mom loves Amex from an expense reporting perspective. I hear chase has a pretty good portal for business as well. In terms of benefits, Amex also has the most for business cards. Venture x business is also an option, but tends to be geared towards larger small businesses (eg 30k spend required for the sign up bonus). As for which card, depends on how much you spend and what categories.

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Adding Costco as a criteria will limit you to Visa only. I think their online shopping might allow other cards. Citi has a Costco Business card and I've never looked into the details.

More of a caveat than helpful.

Thanks ! If I exclude Costco (or Visa) what are the other options?

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