giosif wrote:Thanks to all responders
I am a little confused by Celestine's reply/advice
The reason for thinking about the Bluecard [or any other for that matter] is to try to get some more valuable rewards for the money I spend on purchases of any type
With the current Gold Amex I get "reward points" that I cannot really redeem for anything I am interested in,so I rather get a "cash reward" for the money I spend
I reitirate that I pay my monthly balance in full,so cash flow is not the problem [regarding a bank business line]
The Blue card interest was motivated by the offer of 2,3 and 6% cash returns on common daily or weekly expenses such as gas,groceries etc
Sorry for the confusion.
If you pay the monthly balance in full, then getting a credit card is not the problem.
But the main point I am trying to get across is that credit cards have credit limits.
Once you reached that credit limit, either you won't be able to use charge extra without those fees added to your balance or the additional charge will get rejected. And you told you are mixing personal and business expenses of $3,000.00 to $4,000.00 or higher purchases each month. So credit card is not for you provided your credit limit is lower than your total monthly purchases. But we won't know your credit limit if you are not going to apply for the Blue Cash.
Business-wise... avoid mixing personal expenses with business expenses.
If your main goal is for personal satisfaction, then get the Blue Cash for personal expenses.
If your main goal is for your business advantage, then apply for any of AMEX business credit cards.