After many years of accruing points with hotels and with Chase, the devaluations across the board for all hotels and airlines make it appear that there is now an advantage to a 2% cash back card for me. I spend >$12K/mo across my business and various personal cards. Couple of questions:

- What kind of monthly credit limit are people getting? Trying to see if I need to consider multiple cards/accounts
- The fine print for the card always says "retail" purchases. I spend a lot on business supplies which arguably are not "retail". Any feedback from business users of the Fidelity card as to whether there are any charges which are not credited for cash back?