I retired from my longtime employer and plan to start consulting and perhaps found a new startup. I need to start keeping track of my business expenses without administrative support. I think it would facilitate the process to get a separate business credit card. I am considering a United Club Card; it seems less expensive than renewing my club membership (especially considering the $60 fee credit for 1K flyers). I am also looking at dropping back to 1K from Global Services for 2015. A couple of questions: