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June 2, 2025 - Fresh & Fit
01:14:05
Top 5 Business Credit Cards
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Time Text
And we are live.
What's up, guys?
Welcome to Fresh It Podcast, man.
It's Money Monday.
We're going to be talking about the top five business credit cards.
Let's get into it.
Let's go.
Let's go.
All right, and we are live.
What's up, guys?
Welcome to Freshly Podcast, man.
Money Monday edition.
Today we're going to be covering the top five business credit cards.
I just got off stream not too long ago, covered a bunch of different stuff with the Diddy case, the Boulder terror attack.
We covered Diddy, Boulder, oh, and then Russia-Ukraine conflict.
So that video's up.
I'm going to go ahead and put some timestamps up for you guys as well.
Freshly just got back from Vegas.
He was there doing some things.
Bitcoin convention.
Bitcoin.
Yes, the Bitcoin convention.
Yeah, that was crazy because a lot of the high ups in Bitcoin were there.
Cardone was there as well, surprisingly.
And he spoke about selling real estate to get into crypto even more so.
And I'm like, wow, he's going to sell most of the real estate and then get into crypto way more, which is crazy to me from him saying that, which is wild.
And then Michael Taylor was there as well, Justin Sun.
And crypto is here to stay, man.
It's the future.
It's not going anywhere.
And they're here to make it a point that Bitcoin is the savior of crypto.
It's going to be exciting for the next year.
Yeah.
So today, obviously, as you guys know, we've done a couple episodes for you guys on credit cards for 2025.
We covered how to get your first credit card with no to low credit.
Then we did the best cashback credit cards.
And now we're going to go into the top five business credit cards.
And we do this once a year for you guys where we give you guys updates on the top five credit cards in different categories.
The next one is probably going to be travel.
But, you know, obviously, you know, we go in order of importance because I think, you know, a cashback credit card, well, beginner, of course, to get you started, get your credit score to a point where you're at a reasonable score to actually get some of these benefit credit cards.
Then we did cashback, so if you do have at least one credit card, make sure it's a cashback.
Now we're going to get into the business credit cards for those of you that might be more entrepreneurial-minded so you can get some benefits as you build up your business.
So Fresh actually researched a lot of these cards, so we've got to give him credit for that.
Do you want to go into the first one or do you have anything you want to tell people?
Yeah, so real quick, for business credit card guys, this is the cheat code here.
A lot of you want to get money right away for your business, but you don't know how to.
This is the way you can do it, obviously, from your bank or if you're a trusted company.
And the good thing about these cards is that they don't affect your actual personal credit score.
So imagine you can get like 30, 40, 50K and business credit cards, max that shit out.
You shouldn't do always because you should pay it off and then go ahead and So business is an advantage because you can get that huge number for your actual limit, $34,000 to $50,000, and then spend it.
And you can pay it off slowly but surely without having a charge card.
But at the same time, I believe some of these cards are first year 0% interest, which is really good.
But again, these don't affect your credit score at all.
So that's the good part of being in business because with business cards, you can get into the money game, get some money up front.
And I'll have to lose it with your credit score going down.
So it's pretty good.
But the first one here is Chase Inc.
Business Unlimited.
And honestly speaking, guys, this card is one of my favorites.
Because with Chase, man, protection is out the wazoo.
You can call anytime.
And they legit care about service.
So if you're a Chase Inc.
Business Unlimited member, you should also play for a private client, which just means you have a more push towards getting customer service right away.
And any issues at all they solve for you, In bank, on the phone, you get priority for being a private client.
With this card, man, you can get $750 bonus cash back for spending $6,000.
As a business, you're going to spend money anyway on materials, maybe your day-to-day operations, but at the same time, you can get money back for spending your own money.
So that's the W right there, man, 100%.
And then, of course, $6,000 is nothing for a business in the first three months.
You get 1.5% cash back for anything you purchase, which isn't bad at all.
And funny enough, this card gives you a six-month renewal for credit limits, right?
So what happens is they'll look at your current history, how much you're paying, how much you paid back, and give you a review every six months to say, you know what?
We're going to raise your limit or lower it.
So hopefully you're doing well.
You're paying off every month.
But if you do that correctly, you can get a lot of stuff back, including a higher credit increase on your credit card.
And of course, the first 12 bumps of the card is going to be free, no interest, which is great, and no annual fee.
Yo!
That right there is fucking amazing.
All the benefits you got and no annual...
Cheat code, bro.
Chase is fucking amazing.
Yeah, that's a pretty good card.
And then, I mean, 0% intro APR for 12 months is a big deal because that means you can purchase all the items that you need for your business.
You basically got a year to pay it back.
Because you're not getting beat down with high interest rates, at least for the first year.
So this is a really good card to use in the beginning where you can get some of the more costly pieces of equipment that you might need for your business.
And you can pay them back slowly, kind of at your pace, without getting destroyed with high interest rates.
Because you guys know credit cards typically charge you somewhere between 15% all the way up to 30% interest rates.
So this is huge, especially for a beginning business.
And again, the best part is it doesn't affect your credit score.
Yeah.
W for that.
So, pretty good card, man.
Chase is still on top with this card, I believe, and I have it as well, so it's pretty good.
Yeah, but just keep in mind, guys, you will need to apply a lot of times with these business credit cards with, like, your personal credit, at least for the first one.
So, that's something to keep in mind.
So, you still need to still have good personal credit to get these cards.
Yeah.
Okay.
All right, what's next one?
Oh yeah, this is a good one.
Yeah, this one's like my number one on this list.
Spark Cash Plus.
2% cash back on everything.
Credit level, excellent.
Yo, I kid you not.
Yeah, this card is not easy to get though, chat.
No, it's not.
You need an excellent score.
Honestly speaking, guys, this one's like a sleeper because people don't know about it that much.
But this card here is the best one I have on the list that I've seen because the benefits are in fucking sane.
Let's go through the benefits real quick.
So 2% cash back on everything you spend.
That's gas.
I don't know, bills, whatever you want, on any category.
W. And then, $2,000 cash back bonus when you spend $30k in the first three months.
So for a business, that's not too hard to do.
Hopefully you're spending it on the right things for your business.
But if you do, $2k get back for spending money you're going to spend anyway.
Yeah, $10,000 a month.
I mean, bro, that can be paying contractors, salaries, equipment, any of that stuff.
Especially if you've got like a brick and mortar business.
Anyone that runs a brick and mortar business, you guys already know, $30,000 in three months is nothing.
You know, whether, let's say you run a restaurant, just buying food.
Also, for this car you might need like a $790 to $820 to get this card.
Yeah, very high, bro.
Because this is an excellent category for the Spark.
I think it's one of the best on the list here.
This is a very hard card to get.
I ain't gonna lie to y 'all, bro.
This is probably one of the hardest cards to get in the business class.
And you have your bonuses as well.
So earn an additional $2,000 bonus for every $500K spent in the first year.
And that's kind of a big stretch, but if you can hit it, that's pretty good.
You can truly earn unlimited cash bonuses your first year.
That's pretty good, actually.
What else?
Rewards your way.
Get cashback rewards for any time, no expiration date.
So yeah, any rewards you guys attain from this card, there's no limit to when you can use it.
Which means you can use it at any point in time.
Two years from now, five years from now, ten years from now.
So all the rewards stay there.
Yeah, because other cards will give you what's called blackout dates sometimes where you can't travel on certain days or whatever.
That's how they get around it, man.
So you always want cards that either have zero to low annual fees, no blackout dates.
You know, unlimited points where you can accrue as much as you want per year.
You guys remember we did the Amex one.
I think it was the Preferred Rewards or something like that, the Amex card.
They cut you off at like, what, 60,000 or something like that points?
So some cards cut you off at the points that you can accumulate.
This one does not cut you off whatsoever.
Now, when it comes to travel, you guys love to travel.
This is the best part about this card too as well.
You get unlimited 5% cash back on hotels, other cars, through the website.
Now, guys, I don't know about you, but when I travel, bro, I don't give a fuck.
I'm just staying in some place I can benefit from either for paid with points or get points for doing it.
So for me, this is great because I'm just going to use the portal.
Buckle Hotel.
It could be fucking, I don't know, Southwestern.
Sorry, what's going on?
No, Best Western.
I don't care.
What's on the portal?
I get points, bro.
Who cares, bro?
You get points, nigga.
It don't matter, bro.
Yeah.
Best Western.
What else?
Marriott.
Whatever's on that list, bro.
Now we're talking, yeah?
So it's a pretty good card, man.
5%?
That's good.
That's a lot.
That's good.
That's good.
If you travel a lot, it's a good card as well.
And in business-grade capabilities, empower your team to make purchases while earning rewards on their transactions with free employee virtual cards.
So you got a business, right?
You got employees?
This is perfect.
You give them an extension of your card.
It's in their name.
And you get points whatever they spend.
So all these benefits, guys, in this card.
I would wager this is one of the best cards I've seen for business to date.
And obviously things change yearly.
And it's a good cash back card in general too.
So this is the part about a card that's going to affect some people though.
Balance must be paid always in full every month.
So it is a charge card.
So that's the thing here where if you don't have the money, brother, don't use this card.
So spend what you can and what you have to pay this shit off every month.
So that's the thing about this card.
That does have a drawback because it's too good to be true.
And that's where it says, hey!
I'm nerfing you, nigga.
You're nerfed.
But yeah.
And then flexible spending capacity.
This card comes with no preset spend limit.
That's your needs based on spending behavior, payment history, and credit profile.
And that's the norm with a lot of these higher end charge cards is there's no limit on what you can spend because they're expecting you to pay it off by the end of the month.
Now, there are some situations where...
You can do that.
But, you know, with charge cards, guys, you got to be very, very careful.
You have to be very cautious.
Obviously, it has great rewards, but it can also fuck you up if you don't do what you're supposed to do.
And what will happen sometimes with these charge cards, if you don't pay it off in full, they'll deactivate all the other cards that you have with it.
They won't just deactivate the card that's fucked.
Like, let's say you got an Amex charge card.
And you forget to pay it in full or whatever.
Maybe it might go for one month, but after like two, three months, bro, they're going to deactivate all your other cards regardless of what balance is on it.
And first they start with lowering your limits first.
Then you cancel your cards.
So imagine this, right?
If you call them and say, listen, I can't pay this month.
Can we do it like a payment plan?
They'll say, okay.
Yeah, they'll always work with you.
Hold on.
They'll say, are you sure?
And you say, yeah, I'm sure.
I need help.
Bet.
We got you.
But here's a drawback.
They're going to put on your account.
He needs assistance.
So it's going to red flag your account.
So if you don't pay it back in full, like you said, you're finished.
And all the cards that you have with them, they'll fuck you up.
So if you've got other Capital One cards, they'll turn those off.
So you can call, but make sure you understand.
If you fuck up, bro, you don't pay this shit back, you're cooked.
This is why I tell you guys, it's so important.
If you're going to have charge cards, you need to have regular credit cards too.
Charge cards are not the same.
They operate like a credit card, but you've got to pay it in full.
One, business credit card, and then have a business charge card as well.
The charge card you can use for your bigger purchases.
You're trying to buy something that's expensive, right?
Like when I buy like super expensive equipment for like here, right?
I remember when I was like doing this studio back at the end of 2023, right?
When I was moving here, we bought a lot of new stuff.
So like when I bought the cameras and the new switchers and all this other stuff, I used charge cards because I knew that it wasn't going to create that much of a problem.
Because if you start buying things furiously without letting your company know, the credit card company, they might decline you because they think it's fraud.
So make sure you, you know, you check your spending power.
A lot of times the apps, these companies have, like, an app on your phone that you can go in there and just, like, say, you know, increase your spending power for a period of time so that you can make all your purchases in one, you know.
In a couple of days, right?
All shortly within a time frame.
So that's something else to keep in mind as well, guys, with charge cards.
Charge cards are really good if you just need to spend a bulk of money to get things going.
So I mentioned this on the last show with the credit cards.
I know Celebrity with a high amount on his Amex card.
60K.
And he has some issues.
He didn't pay it off in full.
He told me the full story.
He made a phone call.
And they said, yeah, we can help you, so-and-so.
I don't want to say his name.
And what happened was he paid it off.
The following month, but you call to say, listen guys, I want to pay it off, but I need more time to say, listen, if you don't pay this shit off, we're going to close your account.
So, you can call and get a small extension, but once that's finished, guys, so, what Myron's saying, if you should get a Visa, like a regular card that's not charged, so you can always, if you need time to pay back over time, you can do that, but with charge cards, you can't.
It's every month in full, plus the small little, I guess, window that I give you, but after that's done, bro, Finito is finished, so keep that in mind.
Alright.
What's the next one?
Okay, this is the Amex cards here for business.
Now, there's a lot of these cards you can get.
Golds, Platinum, and of course Plus and Plum.
Now, for the most part, you guys have seen us talk about the Amex cards, Platinum and Golds.
That's the traditional Amex cards that people love and use daily.
But again, each of them have their own benefits, as we can see here.
The Platinum car has a huge annual fee, which is...
Go up to the other card real quick.
The Spark.
I forgot to mention.
Yeah, go up a little bit.
So the annual fee for this card can be waived every year.
Once you spend a certain amount of money.
Okay, so if you spend $150K on that card, they just waive your annual fee.
Yeah, so basically you can get it for free, but...
So the perks of this card, flat cash back, lots of buying power, lots of benefits.
$2,000 cash back is crazy.
But the negative is that it's a charge card.
But here's the good part, right?
Come down a little bit too.
There's an actual calculator here.
So you can see how much you're gonna spend, how much you get back in the first year.
Yeah, so let's say you spend $200K?
$50K back.
That's fucking amazing, bro.
Yeah, that's crazy.
That's amazing, bro.
That's monthly spending how much you get back in the first year.
Bro, if your business is spending money anyway, do this money in your pocket.
I'll say, let's say, maybe go to $20,000.
See what they would get back.
Something a bit more.
Let's say, $40,000 is where it starts.
Okay, so let's say you spend $40,000 a month.
You're getting $11,000 cash back in the first year.
That's not bad, bro.
For money that you're gonna spend anyway?
Yep.
This is one of the best cards by far.
Yeah.
You know what I mean?
So, it's free money, bro.
Once you pay it off in full.
Yeah.
And guys, honestly, if you're opening a business and you're not using a business credit card, you're a fucking retard.
Like, I already make fun of you for using a debit card to purchase things, like, for your personal life and not getting a benefit, but if you got a business and you're not getting benefit, you're a fucking dumbass.
Yeah.
If you're using a debit card to get business supplies, nigga, you're retarded.
You know, or cash?
Absolutely ludicrous.
Actually, I had an issue in Vegas, actually.
Right before my trip, I looked at my account, and I saw a charge on my account that wasn't me.
It was for a bunch of money, actually.
Thousands of dollars.
And what happened was, I think either I used it maybe at a company or maybe like a skimmer, something like that happened, and I took my info and used it for a charge.
Now, mind you, it was a debit card.
Not a credit card.
And it took, I think, about, like, four days to get it back.
But with a credit card, it would have been instant.
So credit cards are better for security, like we said earlier.
Debit cards are not.
So, I mean, either way, it's better for you.
So I think for debit cards, yeah, guys, avoid that because there's no benefit to it.
And if you get messed up, then you may not get it back at all or it may take some time.
And what if you need the money right now instead of later on?
You're cooked.
So keep that in mind.
All right.
Yeah, $40,000 a month, guys.
$11,000 back, $600,000.
That is really good.
And also, remember this, guys.
These cards, you've got to use at your discretion.
If you don't pay these cards back, like, at least the actual ones that are not charged cards, that's not so bad.
It won't pay your credit, one, until you've got time to pay it back.
But this one in particular, you've got to pay it back in full.
If not, you are cooked, my friend.
The other thing also I think that's important for people to know with these business credit cards is – God damn it.
It's all good.
I got distracted by some other shit going on.
You gave her a card to spend the points for us.
He's taking it in action.
We do a lot.
One of the girls that works for the business credit card right now to...
Oh, that's what I was going to say.
The other reason why you guys need a business credit card is, and you want to calculate business expenses, if you're paying for shit in cash like a dumbass...
It's going to be very difficult for you to track your business expenses.
You know what I do with Steve every year, my accountant?
I literally, because I charge everything on two or three main business cards that I have.
I charge everything on those cards and then I just give him the annual sheets that shows expenditures for those cards.
And he has everything right then and there.
That's another reason why it's extremely important to have a business credit card.
You can document your expenses, chat.
Like, that's critical, man, because that's stuff that you're going to write off on your taxes.
So, not only does it help you with giving you benefits and giving you rewards, but it also helps you when it comes to accounting and memorializing all your transactions for your business so that you can get the benefit of tax benefits, right?
Tax relief.
Because obviously, when you spend money on your business, it's a huge way to mitigate your taxable income.
Yeah, guys.
So keep that in mind as well.
It helps you with documenting your purchases.
Because using cash, debit cards, it becomes cumbersome.
It becomes annoying.
You got to keep all these stupid ass receipts.
Fuck that.
Use a business credit card for everything, right?
If you really want to be simple, only use one business credit card for everything.
And you just give that to your account at the end of the year.
Done.
W. So that's another thing that's very important.
And all the points too as well.
Yeah.
What's up next?
Oh yeah, the Amex one, right?
I think I got one of these here.
I got the Blue Business Cash card.
That's no NLP, right?
Yeah.
The only thing that one that sucks, if I'm not mistaken, it caps you at like 60,000 points or something like that.
Damn.
For one of them.
I'm not sure.
I think I got the Blue Business Cash card on the right.
Not the plus.
That's a new one.
That just came out.
But the Spark is better than the Blue Business Cash, in my opinion.
It is.
Because the benefits you get from that is astronomical.
You get 2% cash back on everything.
Yeah, yeah, yeah.
It is better.
Yeah.
But it's hard to get, though.
Yeah.
So, yeah, you get a lot of benefits with the Platinum, of course.
Forex on the gold for purchase of TV.
So this card, the gold one, a lot of friends that I know that are in business, they use it for running ads.
So they'll do a massive ad spend on their account for Amex and run up those points with Forex.
And that's why they get so many back from spending money on ads.
Pretty good.
Yeah.
And then, of course, 5x points for flights.
Which is what most people will do.
Hotels for Platinum.
And you get 1.5%.
Sorry, 1.5x membership points back.
Which isn't bad either.
Yeah.
There you go.
Up to 50. So if you guys look at the two different blue business cash cards with a $0 annual fee.
You get two times the points on purchases up to $50,000 per year, or the other one is earn 2% cash back on your first $50,000 per year, and the purchase is then 1% after that.
So that's why I don't use my Blue Business Cash that much anymore, because the first year I was running it up with that one, but I don't use it as much anymore because of that.
If you close the Blue Business Cash, would that affect your credit score?
That's a good question.
I thought about that, because maybe not, but what if you're just canceling it like another, like get a Spark?
You could do that, too.
No, well, Spark's Capital One.
It's not the same ecosystem.
I know, but if you cancel it, it won't affect your score, right?
I don't know.
I mean, I'll just keep it open.
I just wouldn't use it.
Okay.
I mean, I got a business platinum, too.
So that's the one I mostly use now.
But sometimes I'll use the blue business cash.
But yeah, I mean, it's a good card because some of you guys might not want to pay an annual fee, which is fine.
Because I ain't gonna lie to you, $700 annual fee is fucking retarded.
But, you know, you can obviously pay that off with the points that you get.
But these are the different options you have.
The gold card is good.
Do they have different gold types?
Yeah, you can get it rose gold, plain gold, and then that special gold right there.
Yeah, I mean, I got a platinum.
The gold does look nice.
I ain't gonna lie to y 'all.
It's a flex, bro.
I got my gold right here.
When you go on a date, bro, it's a flex.
And here's my gold right here, right, guys, that I use.
I use this one actually for my real estate business, this one.
I got a platinum that I use for fresh to fit, and then I got a gold for my real estate business.
This is the one I use for my real estate business.
No, no, no.
I'm covering my shit, nigga.
I covered the security code, that's all.
Alright, nigga, turn the camera, nigga.
Okay.
No, it's like a flex card, bro.
You pull up on a date, bro, with a gold or platinum, it's like, oh shit, nigga, sexy.
And you smell good?
And the platinum, well, I just gave it.
But yeah, the platinum also is good.
They're both metal.
They're both metal.
Yeah.
Okay, which card is the sexiest on a date?
You say Amex, Capital One, Chase, Wells Fargo?
I mean, Amex is probably the most well-known.
Yeah.
Honestly, a platinum or a gold is like the most well-known.
So, I mean, unless you've got a black card, but you're not going to get a black card unless you're...
Did he have a black card, actually.
That's how I was getting the hotels.
Really?
Yeah.
What he would do is his girl, a chick named KK, his assistant, she would reserve all the hotels for him.
Him or Cassie and there'd be a black card.
And since he used to fuck up the rooms all the time with baby oil and candle wax, they automatically would add a $1,000 incidental fee, basically, for any time he fucked up the hotel room.
It was added in on his black card.
Damn.
Came out of trial.
Yeah.
That's fucking funny.
That's tough.
Yeah.
Frank, come here.
How's that flex?
Because it's nice, bro.
It's a nice card.
It's heavy.
Yeah, it's metal.
It's metal and heavy.
It's not plastic.
The other card that's a very good-looking flex card, though, it's fucking useless, is the Apple card.
The Apple card is straight white.
There's nothing on it.
It looks good.
It's metal, but So, yeah.
What's the next one?
But those are the three options you guys got for Amex.
Like I said, if you're okay with the higher annual fee, the Platinum Card is good.
But if you guys don't want an annual fee, the Blue Cash is great, too.
And that's the one that I have, too.
I have both.
I have a Blue Cash and I have an Amex Platinum.
Okay, so Business Advantage Customized Card.
Okay, go ahead.
You can take it.
Yeah, so this one's Bank of America, guys.
It's more of a bank card, so to speak, because if you have a bank account with Bank of America, it's a little easier to get this card because you're banking with them already.
This one here is more of a cashback card, too, for categories.
So you've got to spend it sparingly on certain things.
So 3% cashback category of your choice.
2% cash back on dining purchases.
1% cash back on all other purchases.
And of course, it's going a little bit.
You get $300 online statement of credit after you make $3K in purchases in the first 90 days.
So $3K is nothing.
I mean, you can spend that probably as a business in the first 30 days.
But just to make sure that you're doing it in the time frame, it's not bad for getting $300.
Not bad at all.
And this one is not as stringent with a credit card check, I'm assuming, right?
No.
No, no.
You can probably get this one.
This one's maybe like, good.
Which is between, if I'm correct, 690 to 740.
So this could be maybe an entry card for some of you guys that might just want to get a card right away.
Getting cash back is good.
Is it 2% flat everywhere?
So it's categories.
Now categories, guys, I have a love-hate relationship with categories because does it rotate or do you get to pick?
Well, this one is category-based and rotates.
So you got 2% cash out on dining purchases.
That one stays, I think, the same.
And 1% unlimited on all the purchases, of course.
And then 3% and 2% on the first $50,000.
So choose category of dining purchases.
So, I mean, it's more for dining, if anything.
Okay.
Interesting.
Okay.
Gas stations and EV charging stations as well.
Yeah, so this one, you got to be particular how you spend the money because they're going to obviously look at what you're spending it on.
And of course, categories are more of a nuance because you got to really like hone in on that niche to these particular things like gas, of course, and dining.
So, okay.
What else we have here?
So you're flexible.
No annual fee is pretty good.
No annual fee.
Yeah, this is a pretty basic card, man.
I would argue it's more like a fourth tier.
So this one, 0% introductory APR on purchase for the first nine billing cycles.
So of nine months, you get no interest, which isn't bad either.
Pretty good.
Yeah.
But it's not anything special.
I made it on the list because it was Bank of America.
But nothing special about this card, honestly.
So, other than categories.
Alright, Signify, which is one of the signature Wells Fargo cards for business people and for cash back.
So you get 2% cash back unlimited on purchases for your business without caps or spending categories.
So this is another good one too because you get 2% cash back on everything.
Like the Spark, zero annual fee.
And, of course, 12 months APR of zero interest.
So this is a good card to get in because you can get cash back for 2% and, of course, no annual fee.
Which, to me, is pretty good because for a first-time card on business, you can't beat that.
Earn $500 cash back rewards, spending $5,000 for three months.
Again, not too hard to do if you can do it I mean, you can spend money anyway, so this won't be that bad.
I know guys that will spend maybe like 2-3k at the beginning, and then forget about actually the other three months left behind.
So spend it all in front if you can, and then pay it back, of course, right away.
What else we have here?
So yeah, you can calculate here as well how much you're going to receive.
So let's put like 10k to see the number here.
Yeah, thank you, yeah.
Thank you.
There we go.
So it doubles it, basically.
So you can enter your monthly business credit purchases.
Too much cash rewards you get in a year.
And honestly, it's extra money on top.
I mean, for the most part, guys, you spend money, like I said before, anyway.
So get some money about it while you spend it, you know?
Come on a little bit.
So you can add the points to your actual statement, of course, or to, I believe, for travel or gift cards.
Pretty standard.
Also, you can have employee cards as well.
Come on a little bit.
Yep.
So employee cards basically gives you the options to give to your employees.
Whatever they spend, you get points down as well.
Helves you keep track of stuff too.
Yeah.
Of your expenses and everything.
Yeah.
Very helpful.
And these cards all come with a credit score as well for your actual account.
But again, the good part about these cards is it doesn't affect your credit at all.
That's pretty good.
And it comes on a little bit more?
Yeah.
and then regular standard FAQ questions.
Yeah, I mean, this car's pretty good for...
Can't beat that.
Yeah, no annual fee is a big hang-up for a lot of people.
They get pissed off.
They're like, wait, I gotta pay to use this card annually?
But the rewards, if you use it right, obviously outweigh the annual fee.
It's just about you just being intelligent about using it.
Or if you don't use it that much, right?
Maybe your business doesn't have that much spend.
Then you can give yourself a more basic business credit card like the blue cash that I was saying before.
It really depends on how much are you going to spend on your business.
If you're going to spend a lot on your business, guys, get the best credit card you can so that all those expenditures actually give you a reward.
But if you don't spend that much on your business, let's say you've got an online-based business that overhead is not that much and it's pretty easy to run.
Then, yeah, you might not necessarily need a business credit card that you can get all these benefits and rewards from because you don't spend that much on it.
But most business owners spend a significant amount of money paying for things.
So with that, it behooves you to get a better credit card so you can actually get a reward.
But the last thing you want to do is be using cash or a debit card to pay for any of this stuff.
Now, that's bad.
Don't do that.
That's low IQ.
What else we got?
All right, we can read some chats.
Shorter and sweeter one for you guys today.
One chat says, LOL Fresh began that best Western-free breakfast too.
Because you ain't got LOL W points W waffle maker on fake eggs.
That's funny, bro.
Teeter.
For real.
Yeah, for real.
Says, what's up, fellas?
This ring needs to let up.
Hey, I'm reaching out about the generators for you guys and the Starlink Mini for the internet.
Let me know if you guys would like to borrow it and how to get it to you.
Yeah, so that's gonna be for Noble.
He's not here right now, but I think he'll probably pull it for After Hours, I'm guessing?
Yeah.
So, Titor, one more time, when he's here for After Hours, just put that out there and I'll let him know.
I asked him.
He said that he did contact them today about the premise, so we'll see what happens.
TPC Films, WFNF for putting me on that Amazon credit card.
They gave me a free $1.75 gift card to use with no purchases necessary.
Thank you for the gems every day you guys drop.
Shout out to you, brother.
My favorite card.
Favorite card that Mo uses, Amazon credit card.
Okay, yep.
Oh, the Prime.
I actually have that card here as well.
It's a metal card.
What the hell?
No, it's nothing.
It's like, here you go.
This is what it looks like.
It's basic shit.
Take the camera off now.
I don't know if it still looks like this.
This is an old card.
Is it heavy?
Is yours heavy?
Not that heavy.
It's kind of metal, but not too crazy.
Mine's pretty heavy.
You might have the newer one.
Either way is good.
Yeah, it's a good card.
Great card.
Yeah, it's like a no-brainer if you buy shit on Amazon, honestly.
I get so much cash back.
I literally just bought it.
I just made a purchase on Amazon like two days ago or whatever.
I'll be able to start accepting guys'phone calls on – So we'll see what happens there.
But what else do we got?
Been watching since 2021.
Learned a lot from you guys.
Thanks for changing my life.
I'm planning on owning a roofing slash dumpster business.
Which card is most recommended to purchase a dumpster work truck?
Ooh.
Well, I don't know about buying a car with a credit card.
The good thing is, you can use it for a down payment.
So for example, 30, 40k for down payment you can use on your card.
And that's actually smart because...
Use the spark.
Use that spark right there.
Because remember, you want to get that, what is it, $30,000 in the first three months?
Yep.
That could be your down payment right there.
Yep.
And then you get $2,000 back, so you really spent $28,000.
I know guys that only buy cards with credit cards.
If they can't pay for credit, they don't buy the card.
Well, how do they do it, though?
They got to liquidate the money out?
No.
How do they do it?
The car's limit is like 50, 70, 100K.
So the car companies let you use a credit card for that?
Yeah, of course.
Not everyone, of course, but some do.
Okay.
I'm assuming probably reputable dealerships let you do it?
Yeah, but there's a limit.
If you go to one of these hood ones, they probably want cash or money or some shit like that.
They want money in front.
But you can use it for sure on some businesses, but the thing is, they'll cap it.
They'll say, okay, no more than 30k, 10k, 20k, depends on their limits.
Okay.
Do you have to be buying the car under an LLC, or can you buy it personally with a credit card?
You can do either.
Either personal or business.
Okay, and you can put that down payment.
Yeah.
Now, he's talking about getting a truck.
How should he go about that?
Same thing.
From a company that wants to buy a truck, same thing.
Okay.
I think he said a dumpster truck.
Don't matter.
Okay.
Any vehicle.
All right.
Yeah.
That's it.
With a credit card?
Yes, absolutely.
That's how you do it.
You need an LLC to be able to get the business credit card.
Because guys, when you apply for the business credit card, they're going to ask you for your EIN and incorporation paperwork and all that other shit.
And they're going to see your old credit score as well for your personal.
So if it sucks, you get a really bad offer or none at all for cards.
Hidden Dragon Knee says, Yo, never let anyone say FNF doesn't give value.
Appreciate that.
Your application for Amazon card has been approved with a credit card limit of $10,000 Canadian, man.
Shout out to you, bro.
Bitch-ass Abba and Preach in Canada aren't going to teach you how to get an Amazon card to get $10,000 on Canadian.
They're going to teach you how to get milked.
Yeah, they're going to teach you how to get milked or pegged.
That's what they'll fucking teach you, bro.
Boys being boys.
So some of the guys that were at the Bitcoin convention, they watched the show and they started their business from our credit episodes.
We're using the actual money from credit cards to start their businesses.
And here's the thing.
Look, we got, what, 2,000 of you guys in here?
3,000 of you just in here?
Like, look, most people would have been like, you know what, man?
I don't want to do this anymore.
It's not getting that many views.
But I understand that when we do these episodes, number one, they're important.
Number two, they create some of the most impact for you guys.
And then number three, if we're able to help just one of you guys with getting a credit card or getting approved or changing your mindset on credit and, you know, you know, you getting motivated to, you know, It's worth it because let's be honest here, bro.
People aren't as interested in financial content as they are in the debauchery.
Obviously, you guys love it when we do After Hours and all this other shit.
That's fine.
But we do these episodes despite the fact that we're demonetized.
It costs us an enormous amount of time to come out and do it and plan it.
Not that many views, to be honest with y 'all.
Most people will be like, why are you guys still doing this shit?
It doesn't get the same amount of views.
Why are you wasting your time?
We're doing it because it creates impact.
And though it might not necessarily get as many views and be as viral, I think being able to give value back and teach guys financial literacy and utilizing credit cards and leveraging them to build wealth is more important than just mindless entertainment.
And that's why we still do Money Mondays.
Years after the fact, even though they might not get as many views because we know the impact that it creates, regardless of the numbers.
Because I can't tell you how many times you guys come up to us, whether you meet us in person or whatever, and say, yo, I utilized that trick that you taught me, and I got my first credit card.
Or I was able to bring my credit score from 500, and I didn't even know what the score was, all the way to 750.
I bought my first house thanks to you guys and me taking my credit more seriously.
The views doesn't matter.
The impact is what matters.
And I've noticed that this is really some of the advice that's really life-changing for you guys to put yourselves in the best economic position where you don't have to sit there and fucking live in a matrix blue-pilled world because you have the financial literacy to be independent and do what you want to do and nobody can hold you back.
And it starts with understanding how money works, understanding how credit works, leveraging it to your benefit versus being like all the other stupid-ass consumers that become slaves to debt.
You guys learn how to control debt and build wealth with it.
So that's our goal here, regardless of the views that we get.
We still do it, what, four or five years after the fact because that's how important this shit is for you guys.
So the real G's that watch this show know that girls come when the money's there.
So if you work on your money now or then later on...
Yeah.
So this is the better thing for you to watch anyway in the long run.
Yeah.
People talk show to say, oh, you're funny.
Money Monday shows get no views.
All right, whatever.
But we get the views that matter.
This is how we actually impact people.
Because if we sit here and just roast women all day.
That's great and all, but is that really benefiting you?
I don't think so.
And the other thing, too, also, is we're real big on solutions.
If we just sit here and talk about hypergamy and the divorce rates and how women are dumb, like, that's not gonna do anything for you guys, right?
That's like a little fucking crying echo chamber.
Like, we're giving you guys solutions to, like, better yourself so that you don't have to tolerate fuckery from women, bro.
And a big part of it, unfortunately, is you gotta get your money on point, bro.
You just have to.
There's no way around it.
Make it 50k per year.
It's just not acceptable anymore.
You got to make more.
You got to strive for more.
And if you really want to be able to have the options that you want where you're not tolerating fuckery for women, you have to have your money on point, bro.
There's just no way around it, man.
Also, we're going to be adding to Castle Club, especially, Zoom calls with verified millionaires that have access to financial services on Zoom calls, as well as us, once a week.
And of course, we're going to give you a lot of value for that because, listen, guys, the money needs to be made because before 2030, You got a chance in a window to make money before this thing actually takes a toll.
And the thing is, AI.
So I think for most people here, if you're watching this, you're smart, you're head to curve, and money's important to you because without money, guys, you can't eat, you can't survive, and guarantee, if you want a girlfriend long-term, you need money, nigga.
So keep that in mind, and that's the way for the future, man, because without money, bro, unfortunately, you can't survive.
So, very important.
Alright, what's the next one?
Levi Israel.
Do you need a good credit score to get a business credit card?
If so, which business credit card is for no credit check?
And which card will be approved for $8K a month?
And that was $100 on Castle Club.
Yeah, you're going to need a good score.
Roughly around like $690 and above.
Preferably $720, but $690 is like standard, hopefully.
And which business credit card is for no credit check?
I don't know the exact one.
Let me just verify which one on the list may have the credit check.
I think I'll do, though.
I mean, Amex cards are kind of easier to get, depending on which one you want.
But try to get yourself, like, a basic business card in the beginning.
Like maybe a Blue Cash or something like that.
Those are easier to get than the Platinums and the Golds and all that other shit.
Or if you already have personal credit cards, it'll be easier to open up a business credit card as well.
But I don't know why you wouldn't want to get it.
Your credits were checked.
If it's good.
I don't know.
He says, which business card is for no credit check?
Which one?
The first one's always going to run a credit check, bro.
The first business card, you're always going to...
I see some here.
Okay, so there's three main ones that don't require.
Fair Figure Capital Card, Strike Corporate Card, and Brex for Startups.
They focused on business revenue instead of credit.
Okay.
There you go.
But yeah, I would have a score high enough so I don't get denied the first time.
But again, that would help as well.
Cool.
and where's my sponsor?
All right.
So guys, free speech is under attack.
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Anything else?
I can't.
Shout out to FNF for all that you do.
Also wanted to bring up Bilt card, the only way to earn travel points for rent.
No annual fee.
We brought up Bilt last week.
Yeah, we did.
Also Gemini to earn crypto, CB, etc.
Yeah, we brought up Bilt yesterday to pay for your rent.
Because it's mostly, I think Bilt is a cashback card if I'm not mistaken.
Yeah.
So we covered that last week.
Should you be an authorized user on someone's credit, even if you don't have anything to pay off to boost up your own score?
And if so, how long you be under them?
I mean, it's a good way to get yourself in there, but I mean, I would say open up your own credit account as soon as you can, bro.
But yeah, being an authorized user is one way to kind of get yourself started.
Yeah, I mean, it works.
It works, yeah.
Another one?
Okay, cool.
Girls should be here at 9:30?
10?
I don't even know.
Audible mentioned Amex Business blue cash card.
Did we not just show that?
Yeah.
This came up.
It was a little earlier, but there's another one.
It was before we went?
Okay.
I used that along with my Amex Platinum for business.
Running Chase Sapphire Preferred for personal and will get the Amex Gold and Sapphire Reserve next.
Credit score currently on 760.
Good stuff, bro.
Good shit, bro.
I mean, it's up to you, bro.
I don't like having that many But, you know, if you don't care about that or you get the benefit from those, then that's different.
But like, yeah, running that many premium cards, you know, the annual fees start to get really annoying.
And then you kind of have to weigh, like, are you using all the benefits to justify that annual fee?
Would you promote reverting to the old system of credit where your wife's debts are the man's responsibility only if rule of thumb is allowed, in my opinion?
Well, if we were to go back to that, we would need to revert to women being women.
And the problem is that they're not.
So, and this is kind of the issue that I run into a lot of the times when I talk to a lot of these trad cons is, like last week when I was debating with the Christian guy, like, they think, oh yeah, it's just the man's fault every single time.
And it's like, bro, we already put enough accountability on the men.
Like, the problem is that the women don't do what they're supposed to do at this point.
Right?
So, men understand innately that they need to provide value.
Women don't.
And that's where we're running into the issues.
What do we got?
Anything else?
Another one?
Yeah, it's cool.
I'm glad that you guys are getting them in now because we're going to close out here.
Obviously, let's do a recap of the five cards, though, before we close out.
Speaking of online business, when you guys bringing back Samir for e-commerce, also, what do you guys think of investing into his mentorship versus money using said money to pay down business credit?
Credit and use money I make off the business credit.
That makes sense anyway.
Also, how to rewatch previous Zoom calls.
All the Zoom calls are on Castle Club.
Probably, we're going to definitely do one this week.
Freshers out of town and stuff like that, but we'll do one probably with you guys on Wednesday.
Costa doing business says, I just started my business within the last 30 days.
I have a business account with startup capital that has been open in the last 30 days.
So should I wait until I have visible income coming in versus applying for a business card?
I prefer to.
I prefer to not.
I have my business credit card reporting to my personal.
Well, I guess we can answer the first person.
He's asking about Samir's e-commerce.
Yeah, I mean, he's very busy, guys.
He's traveling the world doing his thing.
When he's back, for sure, we can do a Zoom call.
All right.
And then as far as cost of doing business, yeah, wait until we do that Zoom call with him, bro.
Jet Black.
And then he said he started his business within 30 days?
Yeah.
Should I wait until I have visible income before applying for a business card?
You can apply right away.
Yeah, just apply right away.
Get your card.
Get your card.
If I remember correctly, when I applied for the credit card, I had no...
But it wasn't like a lot.
Hey, shout out to Art Lightning.
I think he just gifted some subs.
Shout out to him, bro.
50. He gifted 50 subs?
Oh, wow.
Shout out to you, bro.
Thank you, bro.
That's how we stay doing what we're doing, despite the fact that we're demonetized.
And that's how we're able to do these shows, guys.
Look, a lot of people would say, oh, what's the justification?
The views aren't that high.
You guys are demonetized.
Why would you still do this?
We do it because to help you guys out and put you guys in a better financial position.
Because it was just all about views.
We wouldn't be doing these Money Mondays at all.
We would just focus on doing after hours and trying to, you know, profit as much as possible.
We actually do want to give you guys solutions.
They might just try to imitate one portion of our content, but they won't necessarily do the other stuff where teach you guys how to make money, teach you guys how to actually deal with women, give you guys...
Also, it's a one-trick pony.
I mean, you only offer one thing.
Yeah, if you only offer one thing, that's not what you want.
So we can't sit here and talk about hypergamy but not teach you guys how to deal with hypergamy, which is increasing your own value, man.
Also, did—oh, wait.
He just got a free one-month— WR, bro.
How do you even do that?
You get to the free one-month challenge?
Oh, that's probably because Bill's on his account.
Oh, there you go.
I was on his account chatting.
I was wondering.
So he got a one-month subscription.
Oh, he gave me some of your bills.
Shout out to Ark, man.
Appreciate that, bro.
Yeah, shout out to you, bro.
But yeah, we just did many lives, bro.
I think people don't understand how much value this is, and even just people watching for tips about making money, what to do, ideas.
I had a guy that did e-commerce setup with KT Hustles.
He's making 40k a month now.
off e-commerce and it's like So that works out, man.
we'll read this last chat and then I'll recap the cards real fast.
Capone 2190 says...
Be very careful of who you give access to your cards.
Someone can wreck everything you have built.
I'm a female, but I let my ex have access to my credit cards and he blew 30k and then ran off to another female saying I have no money anymore.
Now I'm stuck, absolutely broke from that trying to pay it off somehow.
And that's from Taylor Millspaugh.
He had the fatigue, bro.
Oh, no.
No, no, no.
It's the chick that gave him the money.
Yeah.
But that's the block fatigue.
Taylor, you might...
You can, actually.
Yeah.
I would report that as fraud, and you probably got a good chance of getting your money back.
No, she can't.
You know why?
What?
If you get someone your card and they use it, That's all on you.
They won't give you your money back.
I would say try.
But, yeah, there's a chance you might not get it back.
But I'll say try.
Part of the investigation is, were they willingly given the card?
If they were, you'd lose all your rights to get it back.
Crazy, bro.
Yeah.
Well, either way, obviously call.
I would also file a police report, too.
That will help you a lot.
I mean, Taylor.
With your fraud investigation.
What do you expect, man?
What the fuck?
I don't know if that's actually Taylor in the chat.
True, but...
It's somebody else?
Yeah.
Yeah, guys, be careful of who you give a card to.
But if you do find yourself in that position, guys, go to the police, get a police report, then call fraud and let them know that you do have an active police report and this is fraud.
And, you know, a lot of credit card companies, man, they might forgive you.
Yeah, you're right.
They want the business, bro.
Not all.
Not all, but you might not get the money back either.
So it's really a toss-up depending on Try at least.
Yeah, it's worth a try.
Yeah.
Who's up next?
How do you guys feel about making your kids authorized user on your credit cards to help build their credit?
Fuck yeah, bro.
You can do it and then just monitor it and put limits.
You can put limits on them so they don't spend too much.
Fun fact.
I came to America 12 years ago.
My auntie up in Maryland put me on her card at a zero credit score and within, I believe, six months, I had like a 570 and within the next six months, I had like a 680.
So within that time frame, just being on her credit, not mind you, I had a card but never used it.
Obviously, it's my auntie.
I don't want to get in trouble.
Hey, Walter!
Use my card!
Of course, I wouldn't do that.
But I stayed cool.
Stayed humble.
And within that time frame, it shot up really high.
Because she's paid her credit card every single month.
She's been paying credit for, I believe, 40 years.
Never missed a payment.
And it's also a good way to kind of keep track on what your kids buy, too.
And you can put limits on there.
So, yeah, no, man.
It's a good way to keep track of your kids.
And it gives you their location.
Kind of.
Kind of good.
So, yeah, because you'll see where their money is being spent.
So, yeah, I'd say do it, bro.
Don't give them cash.
Just give them a credit card and put a limit on there so that they can't overspend and you're able to track all their expenditures.
Obviously, don't tell them that, but, yeah, they might figure it out.
And then, Fresh, can you just give me a recap on the cards and then we'll close this thing out?
Yep.
So, Chris and business, guys, I have this card personally.
I think it's one of the better cards because, again, these cards do not affect your personal credit score and you get 2% cash back.
Sorry, 1.5% cash back on this card.
And bonus cash is $750 actually in your account.
So you spend $6K, $750 back, not bad at all.
Honestly, man, for this card, it's not that hard to get into.
I believe it's like a $690 to $740.
But this card is really good for actually getting your entry level into your business.
And of course, you get an actual credit line increase every six months, which is pretty good.
So I'm going to start with $10K.
You get then $20k and $30k.
So not bad at all when it comes to this card.
I would argue one of the better cards on this list was the next one.
We have the Spark.
This one's freaking amazing, guys.
$2,000 back spending that amount of money, which is $30k in three months.
Not bad at all.
And 2% cash back on everything, which is really good.
But again, this is a charge card, so keep in mind, you got to pay it back in full every month.
If you don't do that, you're cooked because you're going to close your account and then you're finito with that for sure.
So pay about every month.
If you can do that, this is the card for you.
And then the next one, Amex cards.
Platinum, gold, and of course, blue cash.
These cards are standalone.
They have been in the repertoire for a lot of people for years, and they are really good for flexing, of course.
But again, for travel, you want to use platinum.
For running ads and media, you want to use gold.
And if you catch about everything else, you can use Blue Cash, Business, or Plus.
Plus is kind of like not needed, but...
That's fine.
And the next one, we got Bank of America.
This is, just to mention here, not that special.
I mean, it's for categories, which is kind of annoying.
So I would argue that this one isn't really, like, the best.
But if you need a car quickly with a low score, this will do it for you right away.
And then the Wells Fargo one as well.
This one is close to home because I have Wells Fargo for my bank.
And 2% cash back on everything is amazing.
Zero annual fee, 12-month APR.
Zero interest.
Really amazing.
And then I think this is the last one here.
Cool.
Alright guys, we're going to do Out the Hours with the girls coming up, I believe, in 40 minutes or so.
And this was a W stream.
Oh, Salas Michael!
Shout out to you, bro.
Dom DeMarco.
Dom DeMarco.
Thank you guys for all the inspiration for the last four years.
Yeah, man, it's been a long four slash five years.
Doing Money Mondays.
A lot of value.
A lot of people.
Have grown from it and learned from it as well.
So, listen guys, there's not that many views for this show, but it does get a lot of attention from the right people.
So, if you watch it with intent to become better, you will become better.
Alright?
Good to go?
See you guys then.
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