I really like Turkish airlines as a transfer partner for capital one. 30k one way to Istanbul from pretty much anywhere in the US. Also 7.5k points to Hawaii one way!
@@a-gappower1574 it used to be consistent, but I just checked 8 dates and couldn’t find anything from sfo to Maui, so maybe just one off and you might need to spend 5 minutes a day looking for different optoons
Weren’t Southwest miles were devalued from 1.4cpp to 1.3cpp? I may go for the companion pass at the end of this year (finish SUBs in Jan of 2025). I’m still working on my 2024 roadmap.
I think the Venture X Business reports to personal credit, but since it is a charge card, it will not affect utilization ratio, but will impact average age of accounts.
How are many of you guys/gals meeting the minimum spend? I do a little side hustles of grant writing, essays, contracts and what not. Have a sole prop, but since most of my productivity is digital, I cant see how i can meet a business card spend requirement. Any suggestions is welcomed
I think the idea is putting personal spend for SUB (but not for tax purposes). It technically violates TOS but its a unlikely you will get caught. Maybe someone can confirm/deny this
I have a web design/development business, and most of my expenses are software and online services. I resell some stuff like web hosting, and although it's not super profitable for me, it allows me to increase my expenses for credit card spend. I switched my subscriptions from monthly to annual to help hit my SUB for the Ink Preferred. Also bought some new hardware that I've been putting off (laptop, monitor, SSDs) and prepaid my domain registrar to cover my renewals for a year or so. It wasn't that easy for me, but I was able to do it with things I planned to buy anyway. Look at when your biggest expenses fall during the year. I had a bunch of them renewing in late November, because I originally purchased them from Black Friday / Cyber Monday deals. I waited to apply until my 3-month SUB window would cover that period. I don't know your industry, but maybe there are some services or products you can resell to your clients. If there's anything you can get bulk discounts for, maybe you can even save your clients some money while still profiting yourself. I'd especially look into what the card you're considering has good multipliers for. The Ink Preferred has good multipliers for certain ad spend and travel, for example. So, ad spend for yourself and/or for clients, traveling to conferences or to meet clients, etc. From what I've been seeing, it seems like most people have been getting away with violating the TOS and putting personal spend on business cards. I haven't actually researched this, but I don't see people posting about getting in trouble for it. It seems like the risk is pretty small, but I still don't want to risk my points. My personal rule is that I only use business cards for purchases that I'm filing as business expenses. I have personal cards I'm using for SUBs and minimum spend, so I don't feel like I'm missing out on much by playing it safe. Just speculation, but I would guess that taxes are less likely to get flagged, because businesses do pay taxes to the IRS. The card issuer might not make the connection that you're a sole prop. Maybe rent wouldn't get flagged, because that could be office space. Insurance and utilities could easily be for a business purpose too. But I'd guess that things like groceries are more likely to get flagged, since they're less likely to have a legitimate business reason for. And there are personal cards that give you better multipliers on groceries, so you'd be giving up some value if you do that.
🐄 working on a 3rd amex business gold only 70k for $10k spend but with big expenses coming and the new annual fee about to hit i just went with it. don't always get the NLL ones.