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no annual fee for the first year, $55 after
2x points on selected categories
additional travel benefits
FlexPoints give you a flexibility to get maximum cashback on one of the 3 high rewards categories. The drawback is that you can not earn maximum rewards in all that categories simultaneously.
Lots of additional benefits and bonuses, that can easily offset a $55 annual fee (waived for the first year) if you actively use a card, otherwise maybe it is better to look towards no annual fee card, U.S. Bank Business Edge Select, for example.