I just wanted to share a bit of a win on my end with the US Bank credit card setup, and why it’s seriously trumping Amex for me. So here’s the deal: I've been using the US Bank Power Card and Company Card for my business expenses, and let me tell you, the rewards are insane. We’re talking about a flat 2% cash back on all purchases — no exceptions, no caps. Plus, for stuff like prepaid hotels and car rentals booked through their rewards center, it’s a whopping 6% back. Here’s the math: with my usual spending of about $100k a month, I’m racking up roughly $24k in rewards each year. And that’s just on the 2% general spend. The kicker? They offered a $750 bonus for spending $10k in the first four months — an easy target to hit. Now, I know Amex has its perks, especially with specific categories like flights and high-ticket business expenses, but when you do the math, the limitations sour the deal for me when I crunch the numbers. With US Bank, I don't have to juggle categories or figure out conversions. Plus, the annual fees are reasonable ($195 for the Power Card and $99 for the Company Card), and none of this impacts my personal credit, nor do I need a personal guarantee. So, bottom line, if you’re like me, pushing through sizable business expenses and wanting straightforward, generous cash back, US Bank might just top your list over Amex or even Chase. Curious to hear your thoughts or if you’ve found better deals. Let’s make sure we’re all getting the best bang for our bucks!

which credit bureau/org gives the most accurate info on your credit score? Boa and credit karma show different numbers. One in 700+ range and other showing around 800.