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Video Summary:
In this video, I discuss whether you should start with American Express or Capital One for your first business card. Many people are drawn to American Express for its status and prestige, but it's important to consider your priorities. If you're a new startup business, points may not be your main concern. American Express Platinum and Gold cards come with high annual fees, starting at $295 and increasing to $300 in 2024. These cards are charge cards, meaning you have to pay off the balance in full each month. However, there are certain actions that can get your card shut down, such as triggering a financial review or maxing out your spending limit multiple times in a short period.
Instead, I recommend starting with the American Express Blue Business Cash, Blue Business Plus, or Delta SkyMiles cards. These cards offer 0% interest on purchases and are easier to qualify for. Capital One is also a good option, especially if you have a lower credit score. Their Spark Classic card only requires a 580 credit score. Capital One reports to multiple credit bureaus and offers flexibility for those with past charge-off accounts. It's important to build your business credit by making regular deposits into your business bank account. If you have any questions about credit repair or accessing business credit funding, you can schedule a one-on-one consultation.
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DISCLAIMER:
The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice or financial advice. You should not rely upon any information contained on this YouTube channel for financial advice. Viewing this YouTube channel is not intended to and shall not create an client relationship between you and Houston Mcmiller or Business Credit America, Inc, or any of our associated websites. Messages or other forms of communication that you transmit to this YouTube channel will not create an client relationship and thus information contained in such communications may not be protected as privileged. Neither Houston Mcmiller nor Business Credit America, Inc, or any of our associated websites makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided ""as is,"" does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.
Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, may be compensated for the links we share with the public audience.
*QUICK DISCLAIMER: I AM NOT A TAX EXPERT. I AM A RANDOM GUY ON YOUTUBE MAKING VIDEOS IN A SPARE BEDROOM. DON’T LISTEN TO ME. CONSULT A QUALIFIED PROFESSIONAL FOR ANY TAX ADVICE.*"
