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Updated April 2025. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, DoorDash, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

• Added Amex Platinum 150k+$500, Venture X 350k, Citi AA 75k, Marriott 3FreeNights, Hilton 175k, United 125k, Spark $2,000, Amex Gold 100k.
• Removed Alaska 70k, Delta Gold 90k, Marriott 125k, Hyatt 60k+FreeNightAward, JetBlue 60k, Ink Unlimited $900

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Capital One Venture X Business Card

• Up to 350,000 bonus miles. 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months. 350,000 Miles can be redeemed for $3,500 towards travel (including airfare and hotel stays). See link for details.
• $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One’s travel booking site.
• Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Capital One Lounges, Priority Pass(TM) and Plaza Premium Group lounges access. Unlimited visits for primary cardholder and 2 free guests per visit.
• Up to a $120 credit for Global Entry or TSA PreCheck(R).
• $395 annual fee.

The Business Platinum® Card from American Express

• 150,000 Membership Rewards® points after $20,000 in eligible purchases in the first 3 months. Plus, a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months. You can earn one or both of these offers. Offer ends 6/30/25. See link for details.
• American Express Global Lounge Collection® provides complimentary access to more than 1,400 airport lounges across 140 countries and counting, including their exclusive Centurion lounges.
• $1,000+ in value per year via statement credits on select purchases, including tech, recruiting and wireless. Enrollment required.
• $695 annual fee.
• See Rates and Fees

Capital One Spark Cash Plus Card

• $2,000 cash bonus after $30,000 in purchases in the first 3 months. Additional $2,000 cash bonus for every $500K spent during the first year. See link for details.
• Unlimited 2% cash back spent on all purchases with no limit.
• $150 annual fee; Spend $150,000 annually and Capital One will refund this fee every year.

American Express® Business Gold Card

• 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months. See link for details.
• Up to $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment is required.
• Up to $155 Annual Walmart+ Credit. Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Enrollment is required.
• Annual fee is $375.
• See Rates and Fees

UnitedSM Business Card

• 125,000 bonus United miles after $5,000 in purchases in the first 3 months. See link for details.
• Free first checked bag for both you and a companion (a savings of up to $160 per roundtrip).
• 2 United ClubSM one-time passes each year.
• $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United? Business Card.
• $150 Annual Fee.
• Subject to 5/24 rule.*

CitiBusiness / AAdvantage Platinum Select Mastercard

• 75,000 American Airlines miles after $5,000 in purchases in first the 4 months. Limited-time offer. See link for details.
• First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
• $0 annual fee for the first year, then $99.

Ink Business Preferred® Credit Card

• 90,000 Ultimate Rewards points (worth $900 straight cash back or $1,125 toward travel when redeemed through Chase Travel) after $8,000 in purchases in the first 3 months. See link for details.
• 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
• Primary rental car coverage when renting for business purposes.
• $95 annual fee.
• Subject to 5/24 rule.*

Ink Business Unlimited® Credit Card

• $750 bonus cash back. (75,000 Ultimate Rewards points) after $6,000 in purchases in the first 3 months. See link for details.
• Flat 1.5% cash back on all purchases with no limit.
• No annual fee.
• Subject to 5/24 rule.*

The Hilton Honors American Express Business Card

• 175,000 Hilton Honors Bonus Points after $8,000 in purchases within the first 6 months of Card Membership. Limited-time offer ends 4/29/2025. See link for details.
• Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
• $195 annual fee.
• See Rates and Fees

World of Hyatt Business Credit Card

• 60,000 Bonus Points after $5,000 in purchases in first 3 months.
• Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
• $199 annual fee.
• Subject to 5/24 rule.

Marriott Bonvoy Business® American Express® Card

• 3 Free Night Awards after $6,000 in eligible purchases within the first 6 months. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. See link for details.
• New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
• Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
• Annual fee is $125.
• See Rates and Fees

Ink Business Cash® Credit Card

• Up to $750 bonus cash back total (75,000 Ultimate Rewards points). Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months. See link for details.
• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
• No annual fee.
• Subject to 5/24 rule.*

Hawaiian Airlines Business MasterCard

• 50,000 Hawaiian miles after $4,000 in purchases in first 90 days. See link for details.
• Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
• $99 annual fee.

BofA Business Advantage Unlimited Cash Rewards card

• $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
• 1.5% cash back on all purchases, which can be increased to 2.62% cash back when combined with the Preferred Rewards program.
• No annual fee.

US Bank Business Leverage Card

• 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
• Availability may be restricted to certain states.
• $0 annual fee for the first year, then $95.

JetBlue Business Card

• 50,000 TrueBlue points total. 50,000 points after $2,000 in purchases in first 90 days and paying the annual fee. See link for details.
• First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
• $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

• 60,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
• Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
• Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $70 roundtrip per person).
• $70 annual fee for company, plus $25 per card.

Capital One Spark Cash Select Card

• $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
• Unlimited 1.5% cash back spent on all purchases with no limit.
• No annual fee.

Southwest® Rapid Rewards® Premier Business Credit Card

• 60,000 Southwest points after $3,000 on purchases in the first 3 months. See link for details.
• Southwest still gives everyone two free checked bags.
• $99 annual fee.
• Subject to 5/24 rule.*

Delta SkyMiles® Gold Business American Express Card

• 60,000 Bonus Miles after $4,000 in purchases in the first 6 months. See link for details.
• 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
• First checked bag free on Delta flights ($70 value per roundtrip, per person).
• $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
• $0 introductory Annual Fee for the first year, then $150.
• See Rates and Fees

* Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

American Express(R) Business Gold Card: See Rates and Fees. The Business Platinum(R) Card from American Express: See Rates and Fees. The Hilton Honors American Express Business Card: See Rates and Fees. Marriott Bonvoy Business(TM) Card from American Express(R): See Rates and Fees. Delta SkyMiles(R) Gold Business American Express Card: See Rates and Fees

Offer is back again, updated with even better terms. Again available to existing customers depositing new funds!

Live Oak Bank is an FDIC-insured internet bank that is focused on lending to small businesses. Their personal savings account has a limited-time offer of a $300 bonus if you deposit $20,000+ in new funds into their online savings account by 5/16/25 via this special offer page and keep it there for 60 days. The current interest rate is 4.20% APY. Direct deposit is not required. Valid for both new and existing customers, as long as you are adding new money.

Selected fine print:

New and Existing Customers:

The promotion begins on April 14th, 2025.

Only one bonus is available per Tax Identification Number per promotional period.

Only personal savings accounts are eligible for the bonus offer. Checking accounts, certificates of deposit (CD) accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.

Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.

A new account must be opened between April 14, 2025 and May 16, 2025 to be eligible.

A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on 05/16/2025 to be eligible for the bonus.? If the account is not fully funded by May 16th, then the account is not eligible for the bonus offer.

All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify; deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.

Beginning on the date in April or May 2025 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $300 cash bonus will be deposited to your open, eligible account?within 45 days following the expiration of the 60-day period.

Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.

Any promotional amounts received may be subject to taxation.

Existing Customers:

In addition to the other requirements for the bonus offer, existing Live Oak Bank customers must maintain their existing account balances (not including interest accrued but not credited to the account) at or above the end of day balance as of April 13th 2025 11:59:59pm (ET) across their existing personal savings in order to be eligible for the bonus offer.

Bonus math. This is a 1.5% bonus on $20,000 if you keep it there for 60 days, which makes it the equivalent of 9.00% APY annualized. Bonus will be paid around Day 105 and the account must be open at that time, but you only need to maintain full balance through Day 60. The bonus is on top of the standard interest rate, currently a competitive 4.20% APY as of 4/15/25.

This equivalent of roughly 13.20% total APY over 60 days makes it a solid offer for those with compatible balances looking for short-term place to hold their cash for a few months. Live Oak Bank seems to come and go with the competitiveness of their rates, but it’s nice that this is available to existing customers.

Hat tip to reader Logan.

Deal is back again through 4/19. Get a $10 Target GiftCard with $100 Apple Gift Card purchase. A simple deal if you plan to buy any Apple products/services in the future (and have a free Target Circle membership). While supplies last. May be able to get more in-store. Stack with the 5% back via Target REDCard.

Apple gift cards are now good for everything from iPhones to Apple Watches to music to iCloud storage subscriptions. The code just adds to the balance in your Apple account. I accumulate them over time like an old-fashioned layaway plan and I feel that getting 10% to 15% off a new iPhone or Apple Watch even when you buy on release day is pretty good. (Apple products and their iTunes/iCloud services used to have separate gift cards.)

Best Buy is not matching this deal right now, but they have other gift cards on sale: 10% off select gift cards at Best Buy.

New limited-time offer. The card_name is the newest entry into the ultra-premium business card category, with features similar to the Capital One Venture X Rewards credit card for consumers (you can have both at the same time). It has a large new-cardholder bonus, loads of perks, and a hefty annual fee. Right now, there is a limited-time offer targeting those with large annual expenses. Let’s take a look at what it offers:

• For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months. 350,000 Miles can be redeemed for $3,500 towards travel! (including airfare and hotel stays).
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs.
• $300 Annual Travel Credit. Get up to $300 in annual statement credits when booking through Capital One’s travel booking site. Book your choice of flights, hotel nights, or car rentals. You can redeem these in partial amounts over the course of the year.
• 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
• Up to a $120 credit for Global Entry or TSA PreCheck(R).
• Airport lounge access. Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network.
• $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection.
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs.
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease.
• This is a pay-in-full card, so your balance is due in full every month.
• Annual fee is $395. Free employee cards.

Here is the rewards structure on purchases:

• 10 Miles per dollar spent on hotels and rental cars booked through Capital One’s travel booking site, where you’ll get Capital One’s best prices on thousands of trip options. They offer a Price Match Guarantee.
• 5 Miles per dollar on flights and vacation rentals booked through Capital One’s travel booking site.
• 2 Miles per dollar on every purchase, every day.
• Redeem miles for any airline, any hotel, rental cars, and more.
• Transfer your miles to your choice of 15+ travel loyalty programs.

Redemption towards travel, including airline and hotel purchases. Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card within the past 90 days. In other words, 100,000 miles = $1,000 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then “erase” that purchase using your miles balance later. This even includes AirBNB vacation rentals, car rentals, and Uber rides.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel. Earn even higher rewards of 5 miles per $1 spent on on flights booked through Capital One’s travel booking site, and 10 miles per $1 spent on on hotels and rental cars booked through Capital One’s travel booking site.

Capital One’s travel booking site offers price matching: if you find a better price on another website within 24 hours of booking, they will refund you the difference.

Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well. Here are the airline transfer partners:

• Aeromexico
• Air France/KLM
• Air Canada Aeroplan
• Cathay Pacific Asia Miles
• Avianca Lifemiles
• British Airways Avios
• Emirates Skywards
• Etihad
• EVA
• Finnair
• Qantas
• Singapore Airlines Krisflyer
• TAP Air Portugal
• Turkish Airlines
• Virgin Red

Hotel partners

• Accor Live Limitless
• Choice Hotels

If you know how to leverage one of these international airline miles programs, this can be a very valuable option. Otherwise, it’s nice to know you can always get a certain level of value by redeeming against any travel purchase.

Airport lounge access details. Capital One is creating their own lounges within select airports (currently in Washington DC’s Dulles Airport and Dallas/Forth Worth). Venture X Business cardholders get unlimited access and can bring 2 free guests per visit. Employee cards do not get lounge access benefits.

You also get Priority Pass membership, which includes access to 1,300+ participating VIP lounges and even included credits to spend at some restaurants, in more than 600 cities and more than 148 countries. You can bring yourself and up to 2 free guests.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

This card should not show up on your personal credit reports, so your outstanding balance, credit limit, and closure states won’t affect your credit score. You’ll still see a credit check on your personal credit report from the initial application.

Bottom line. The card_name is an ultra-premium business rewards card that earns a minimum of 2 Miles per dollar on all purchases, which you can either redeem against any travel purchase or transfer to one of their airline/hotel partners. There is a generous new-customer offer. If you can take advantage of the $300 annual travel credit, TSA PreCheck(R)/Global Entry fee credit, and add the 10,000 miles on every anniversary, then you’ve effectively offset the $395 annual fee in all future years. To top it all off, the airport lounge access is very nice.

Due to the $1,500+ first-year value, I will be adding this to my Top 10 Best Small Business Card Bonus Offers.

Updated to add new Elite Money Market. OnPath Federal Credit Union now has two accounts that are competitive in the high-interest cash landscape:

• Rewards High-Yield Checking at 7.00% APY on up $10,000 if you make qualifying transactions each month. $100 new checking bonus via referral.
• Elite Money Market at 5.00% APY ($25,000 minimum balance). Three withdrawal allowed per month without penalty. Funds must be new money to OnPath. NCUA-insured up to $1,000,000.

Credit union membership requirements (easy). OnPath FCU is based in Louisiana, a their field of membership starts with people that live and work in that area. However, anyone nationwide can join OnPath FCU with a $5 donation to OnPath Foundation. I did not experience a hard credit check, which was nice.

5.00% APY Elite Money Market details. This is a new account type, and it looks like they are looking to pull in some big deposits. (OnPath has been growing, recently merging with Louisiana Federal Credit Union.) You have to open with at least $25,000 and maintain at least a $25,000 balance to earn the 5.00% APY. Funds must be new to OnPath. This account offers NCUA excess-share insurance up to $1,000,000.

It’s a little hidden on their website, but you it’s in the Savings section and look for “Elite Money Market” on the left menu.

7.00% APY High-Yield Rewards Checking details. Their High-Yield Rewards Checking earns 7% APY on balances up to $10,000 and .50% APY on balances over $10,000, if you meet these three qualifications per monthly cycle.

• Have 15 or more debit card purchases post and settle.
• The primary owner must log into online or mobile banking at least once.
• Be enrolled in and receive electronic statements.

Qualification cycles start on the last day of each month and end on the second to last day of the following month. Here are the exact dates for each cycle [pdf]. They will e-mail you at the end of each month to confirm if you’ve met the qualifications. All balances for non-qualified accounts earn .01% APY.

Out-of-network, domestic ATM fee rebates ($10 max per month) are also included if you meet the qualifications. No monthly service fee, no minimum balance requirement, and $25 minimum deposit to open.

OnPath has been pretty reliable and hasn’t given me any problems. There are no minimum debit purchase amounts, although I still try to vary the amounts. I also avoid waiting until the end of the month, because it says you have to post and settle, which might take a couple business days.

$100 Refer-a-Friend Bonus. This bonus is independent of the checking account qualifications above, but you need to pick a checking account and I picked the one above since it stacks well. Note that this refer-a-friend bonus has a $10 minimum per transaction, but the ongoing requirements for the 7% APY do not include the minimum.

• First, register your information at member’s $100 bonus referral link (that’s mine). I have already registered on my end, and successfully referred members in the past.
• Become an OnPath FCU member and open a new OnPath FCU personal or business checking account.
• Within 60 days of account opening, make at least 15 debit card transactions of $10 or more (excluding ATM transactions), AND have one (1) or more direct deposits totaling at least $250.
• Both referring and referred parties will receive a $100 Visa Reward card mailed to them upon completion. I got my prepaid Visa in the mail with no issues. You can cash out the Visa Reward card by purchasing an Amazon gift card, or buy using it as a funding source for the Cash App (via PayPal) or Apple Cash.

Here’s a quick screenshot of the OnPath FCU user interface. They use the same backend provider as many other credit unions.

Updated for 2025. This year, the deadline for federal tax filing is Tuesday, April 15th, 2025. If you file for an extension before midnight on that date passes, you can extend the time allowed to file your return by six months to October 15th, 2025. It does not extend the time to pay any tax due. There are many legitimate reasons to ask for such an extension, and the extension is granted automatically without needing to provide a specific reason. In the past, I had a Schedule K-1 that consistently arrived after 4/15, so I would file an extension to file instead of having to make an amended return (I later sold that holding).

Why is filing an extension important? The “Failure to File” Penalty is 5% of the unpaid taxes for each month (or part of the month) that the tax return is late (without extension). The “Failure to Pay” penalty is 0.5% of your balance due for each month (or part of a month). That’s a 10X difference!

The good news is that you can instantly e-file a federal and state tax extension (where available) for free. Advantages of using e-File include:

• You save the time and postage costs of paper mailings.
• You can estimate your tax liability using online software and/or calculators.
• You receive confirmation of receipt via e-mail or text, often within hours.
• The potential convenience of filing your state tax extension online at the same time.

TaxAct

Tax prep software TaxAct allows you to e-File your Federal and State extension (where applicable) for free through them. I use TaxAct to file my extensions because after using them once, I just found them to offer the most easy and useful user interface. They guide you through the process for federal and every state, letting you choose between printing the form to mail or e-Filing the state extension if available. You don’t need to input payment information, or even use them to file your actual taxes, although you certainly could.

Directions
First, register for free at TaxAct.com with your e-mail address and pick a password if you haven’t previously. You must start a new tax filing, but you don’t need to enter anything. Just look for the option to “File Extension” on the purple left menu bar, and follow their interview directions.

TaxAct supports the electronic filing of extension forms for the following states:

• Arkansas
• Arizona
• California
• Connecticut
• District of Columbia
• Kentucky
• Louisiana
• Maryland
• Massachusetts
• New Hampshire
• New Jersey
• New York
• North Carolina
• Oklahoma
• Pennsylvania
• Tennessee
• Texas
• Virginia
• West Virginia
• Wisconsin

Afterward, you can confirm the status of your extension e-file by going to efstatus.taxact.com. They will even send you a confirmation via e-mail or text message. I got my confirmation less than 3 hours after submission.

IRS Direct Pay

If you only have Federal taxes to worry about, the most direct way to file an extension would be to use IRS Direct Pay. Even if you don’t think you’ll owe any taxes, you can just submit a non-zero payment of $1 (or whatever) and they will file an extension for you along with the payment (remember to note this payment when you later file). As shown in the screenshot above, just choose “Extension” as the Reason for Payment, “Form 4868 (for 1040, 1040A, 1040EZ)” as the Apply Payment To, and 2024 (or whatever applies in your case) as the Tax Period for Payment. You will probably have to answer some identity verification questions, so try to have your previous year’s tax return ready.

Most other tax filing software will also file extensions for you in a similar manner, including TurboTax and H&R Block. I’m not completely sure about all of their state e-File offerings.

(Note: For the 2024 Tax Year, disaster victims in twelve states have automatic extensions to file and pay their 2024 taxes. This includes taxpayers in the entire states of Alabama, Florida, Georgia, North Carolina and South Carolina.)