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- The Best Business Credit Cards
The Leverage Letter:
Your smart, no-nonsense friend sending you tips to use credit for business, travel, and life.
Hey friend,
If you’ve got a business—or even just an idea for one—business credit cards can be your secret weapon.
They help you get access to money to grow your business, earn good rewards, and get you flying in business class without spending thousands of dollars.
And here’s the truth: if you’re making good money and not using business credit, you’re leaving a lot on the table.
But not every card is built the same.
The real magic happens when you pick the right ones and use them the right way.
That’s exactly what we’re diving into today.
Let’s keep it simple and powerful.
Why Business Credit Cards Are a Big Deal
Let’s break it down:
Higher Limits: Business cards usually give you more spending power than personal cards.
0% APR Offers: Many come with 0% interest for 12–18 months. That’s basically free money to grow your business.
They Don't Hurt Your Personal Credit: As long as you pay on time, these cards don’t show up on your personal credit report.
Great Perks: Think lounge access, hotel upgrades, and big points for stuff you already buy. — Fund your Business, Fund your Life.
Tax Perks: Many business expenses are tax-deductible—putting them on a card helps with tracking and saving.
The Best Business Credit Cards Right Now
1. Chase Ink Business Preferred®
Good for: Earning points on ads, travel, and shipping
Bonus: 100,000 points after spending $8,000 in 3 months
Points: 3x on travel, shipping, ads, and phone/internet (up to $150k/year)
How to Use: Use this one for your ads and travel to rack up points. Transfer to airlines or Hyatt hotels for big value.
Fee: $95/year
2. Amex Business Platinum
Good for: Frequent flyers and big spenders
Bonus: 150,000 points after spending $20,000 in 3 months
Perks: Free lounge access, $200 airline credit, hotel upgrades
How to Use: Use it for flights and big purchases. Points transfer to airlines like Emirates or Singapore for luxury travel.
Fee: $695/year (pricey but packed with value)
3. Amex Business Gold
Good for: Earning lots of points on your top spending categories
Bonus: 100,000 points after spending $15,000 in 3 months
Points: 4x on your top 2 spend categories each month (ads, travel, dining, etc.)
How to Use: Great if your business spends a lot in one or two areas. Set it and forget it.
Fee: $375/year
4. Capital One Spark Cash Plus
Good for: Straight-up cash back with no guessing
Bonus: $1,200 cash after spending $30,000 in 3 months
Cash Back: 2% on everything
How to Use: Simple card with no categories. Great for businesses with high expenses.
Fee: $150/year
How to Use These Cards Like a Pro
Here’s how to really win:
Use the Right Card for the Right Spend: Match each purchase with the card that gives you the most points. —CardPointers does this automatically for you.
Take Advantage of 0% APR: If you need to invest in your business, use those 0% intro periods to grow without paying interest.
Don’t Cash Out Points for Gift Cards: Instead, transfer them to travel partners to get the most value.
Pay on Time (Always): Pay your cards off in full unless you’re using 0% APR. Even then, have a Debt Repayment Plan.
Build Your Business Credit: Over time, this helps you get bigger credit limits and better funding options.
Award Booking of the Week:
Singapore Airlines Business Class: Los Angeles (LAX) to Tokyo (NRT)
Cash Price: $5,800
Points Used: 81,000 miles + $120 in taxes
Savings: Over $5,600
Yep, that’s a real booking.
Fully flat seat, top-tier service, gourmet meals—paid for with points.
That is how you travel smart and stay winning.
How you book matters!
Not Sure Where to Start?
We’ve got you.
My team and I help entrepreneurs like you:
Just reply to this email or click below to get started.
We’ll help you leverage your everyday spending for business, travel, and life.
Take Action: Let’s Build This
If you’re ready to:
Get $100K+ in business credit
Stop paying full price for flights and hotels
Turn your spending into real freedom
Then it’s time to book an intro call.
We’ll explore how you can get your funding journey started.
P.S. Got a friend who would love this?
Forward this email and put them on game.
Let’s build together,
Ade O.
The Leverage Letter