> Don't people normally just use separate credit cards / bank accounts for business vs personal expenses?

Every year my accountant tells me to do this. And every year I lose cards and get distracted by promos.

My personal card has much better travel rewards and free travel insurance, so I use my personal card for travel. Then I have to remember to deduct it at the end of the year. Usually it's not too hard to find the travel though.

I'll still be signing up for this just to see how it does.

Yeah, that's what I do.