Cheers to having a negative balance on my Amex Business Plat bc everything I use it for gets credited back 🤣 This is how you get multiple cards with high annual fees and MAKE money from them. I promise you if you can manage it correctly, there are a LOT of benefits. This specific card has a $695 annual fee, and I easily get at least $1,390 in benefits each year just by using it properly. Not to mention the first year is definitely a win with their huge sign up bonus of up to 150k points.