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3 Best Credit Cards For Beginners + Online Business Owners

Published on: December 4 2022 by Baddie In Business

3 Best Credit Cards For Beginners + Online Business Owners

3 Best Credit Cards For Beginners + Online Business Owners

hey buddy whole family my name is
isabella i am the owner of two six
figure online businesses and today i'm
gonna be telling you guys the top three
credit cards that i recommend whether
you're in business or not these are the
credit cards that i use to maximize my
spending the best as possible before we
get into this video make sure you guys
thumbs up this video and hit that
subscribe button it really helps to
support my channel if you ask me i
personally don't like to put things on
credit but in the united states you need
to establish credit for almost
everything you're doing so since there's
not really a choice it's best that we
utilize the credit cards for the best
benefits so a lot of people judge of
what kind of credit card they want based
on the limit that the credit card has or
how much money they can get me
personally i don't go by that because i
don't really care if the credit card is
giving me ten thousand dollars that does
not mean i have ten thousand dollars to
spend so i did just want to clear that
up that you should not get excited when
your credit card is upping its allowance
to you every month because that is not
the money you have to spend that is how
much they're allowing you to borrow the
most important thing is creating passive
streams of income and having more money
to spend but utilizing the credit cards
so instead of using your debit card use
the credit card to get more benefits and
when i say benefits i mean cash back and
travel rewards so because credit cards
can be so beneficial it's almost like
you want to make sure that you're using
the credit card and not just putting
money just through your debit since with
your debit card you're really not
getting any benefit so these are the top
three credit cards that i have the
credit card that i have always used
because i have bank of america is the
bank of america cash back credit card
they have credit cards like this with
almost every single bank but i do
recommend if you are with chase i know
chase has really good ones which i will
put up on the screen right here and this
credit card is useful because i wind up
getting cash back and i get three times
cash back on the category of my choice
so if i know that i'm going to be
shopping online for business materials i
will set that to online shopping and i
wind up getting three times cash back on
my purchases so basically what we do is
we put almost everything on this card
that is related to online spending just
for this credit card then we wind up
actually getting a lot of cash back
every single month just basically just
spending it for our business but i did
my research for you guys and i'll put
more cards here that are very similar to
that bank of america cash back credit
card if your bank is not with bank of
america but it's just the point of
finding credit cards that have some sort
of cash back benefit so everything that
you're spending you can be getting cash
back on so my number two card that i
started using this year is the amex gold
card so i had first thought for a long
time there's no way that this gold card
is going to be good because it is 250 a
year i was like there's no way that i'm
gonna have enough points for it to be
worth it for the travel benefits than it
would be with the cash back so for a
long time i didn't wind up using this
card and i wish that i knew about this
card sooner instead of cash back you get
points towards travel which because i am
somebody that travels a lot this is
something that i can really benefit from
and even if you're not somebody that
really travels a lot you can also
exchange points for gift cards and
things like that there is an annual fee
of 250 for this gold card although you
get cash to spend on uber eats and other
benefits which i will list on the screen
for you guys to view so even though
there is that yearly expense of paying
for this card this card really does pay
it back for itself and there's also
membership bonus rewards so if you were
to like just get this card one day they
actually give you a lump sum of points
to actually start with just for signing
up with the card so that annual fee
winds up you wind up getting more back
than you even would spend on that annual
fee and this video is not sponsored at
all but i'll leave all the links in the
description box for you guys convenience
so if you are a business owner one card
that instead of getting the regular gold
card i would recommend getting the
business gold card so amex has an
american express business gold card and
this gold card is specifically meant for
business owners and the beauty of this
card that i love it so much is because
it actually gives you four times the
membership rewards for shipping and it
gives you like other things too like
airfare purchases directly from airlines
online tv and radio advertising computer
hardware stuff software and cloud system
gas station restaurants including
takeout and delivery but the shipping is
the big seller for me here and the
beauty of having your own business is
that you're basically taking your
customers money and putting all of your
business expenses on these credit cards
so it's kind of like you're just paying
with someone else's money in a way in
order to pay for their shipping so even
though they're paying you for the
shipping you're kind of just taking
their money and putting it through your
credit card which is gonna benefit you
in the long run i didn't think that the
travel rewards bonuses would be even
close to good enough as getting cash
back but honestly our next trips will be
completely free through these cards and
i literally can't believe it just by
just kind of putting our normal expenses
and going out to eat on this card so
with this kind of card it does give you
points for everywhere you go although
it's not as beneficial in certain places
so like for example when we go to bj's
which is like a bj's is kind of like a
wholesale store we don't get the three
times or four times cash back or two
times cash back with the gold card that
we use so in that situation i wind up
using the cash back card so then we at
least get cash back you will never see
me swipe my debit card whenever i go
places because there's really just no
point in using the debit card when
there's benefit to using credit cards so
if you're a business owner and you are
deciding between the gold amax regular
and the business gold amex i would
definitely go with the business gold
amax because the shipping one is on
there and that is the deal breaker for
me the only disadvantage of the
difference between the platinum amex
card to the gold amex card is you don't
have as many benefits as the platinum
card but i feel like as a beginner with
amex you don't need platinum card right
away and if you guys would like me to
make a video comparing these two
platinum and gold cards with amex i can
do a video on that as well and coming in
at number three we have the amazon prime
credit card i am someone that uses
amazon not only for personal reasons but
for business reasons as well a lot of
what we use in our business such as
stikers shipping supplies etc is
actually purchased through amazon
because a lot of times we need things
quickly and we all know amazon is super
convenient in that regard and has super
fast shipping so if you have this amazon
prime credit card you get five percent
back on amazon.com and whole foods
market which we also shop at whole foods
you get two percent back on restaurants
gas stations and drugstores and one
percent back on all of their purchases
so the reason why i like the amazon card
is because it is five percent back
that's more beneficial than the four
percent back or three percent back that
we find with these other cards so i
really do think that these three cards
are the only type of cards that you
really need to have in your wallet
besides from that of course you guys do
need to be responsible and like i said
in the beginning of this video when you
guys see that big number as the number
that is your spending allowance that
does not mean that you can go and spend
that because you do have to pay these
credit cards off within the month in
order to keep your credit in good
standing credit is one of the most
important things that you need to have
as a person living in the united states
especially when you're someone that you
want to buy a house someday or you want
to get into real estate investing you
need to have good credit not only for
that but there's a lot of things along
the way that they need your credit score
for that you need to make sure that
you're responsible with these cards and
not overspending your money but of
course if you're a business owner you're
gonna wind up having more expenses than
someone that doesn't have a business
which is why the credit cards are even
more important for business owners
especially if you're someone that you're
drop shipping you're going to have
expenses of drop shipping these products
to the customer so it's even more
beneficial to have these cards so then
when you are drop shipping products
you're able to use that money to spend
on the products that you're shipping to
the customer which is going to be
extremely beneficial in the long run and
of course if you guys are looking to
maximize your income and make some money
online i have an entire step-by-step
playlist of how you can start your own
online business and i have even more
videos of how to make money on my
youtube channel i hope this video helped
you in deciding what kind of credit
cards you want to apply for or to figure
out what the best credit cards are when
utilizing them with your business if
this video helped you make sure you guys
hit that like button and subscribe to my
youtube channel so i can continue to
make more videos and if you have any
questions literally just comment down
below i try to answer every single
question for you guys thank you guys so
much for watching and i will see you
guys in my next video bye
time is everyone on our side