Personal Credit Cards VS Business VS Corporate: What’s the Difference? – The Credit Shifu

I’m just $800 of spend away from getting the 90,000 point welcome bonus on the Chase Ink Cash and I’ve got until April 5 to hit that spend which is a lot more time than I need🙌🏽

First

I’m so sad. I had the AMEX Business Platinum, and I think I was approved for it 2002 for my photography business but I had no idea how powerful the card was back then and honestly can’t remember how I got it. I also had the Capital One spark business card or whatever it was called but unfortunately, after years of having to cover film/processing/scanning fees before moving to digital and then production fees, I ruined my credit, and had all of my cards closed, and only in the past few years have I rebuilt my credit. Mostly from watching your videos and others and thankfully, now I have the Ink Business Unlimited, AMEX Blue Business plus add the Delta Reserve Business as my business cards. I keep getting offered this card again with massive welcome bonuses every time I sign onto Amex but I have the personal platinum now I just don’t see the need to have both. Ha – just think if I hadn’t had ruined my credit years back, I would’ve had over a 20 year history with this card by now.AHHH!

🚨 Big thanks to NorthOne for partnering with us on this video. Use my link to apply for NorthOne and get a $10 credit when you open and fund your account: https://apply.northone.com/ben

Don't use a virtual business address that is really a post office box if you want to apply for a NorthOne account. They will reject your app.

"A real entrepreneur is somebody who has no safety net underneath them." _Henry Kravis

As an assistant business manager in a school district, I was responsible for administering our corporate card program. We could set a single purchase, daily, or monthly spending limit on each card. We could also limit what was purchased through controls by merchant category code (MCC). Each merchant has an MCC assigned to it, which is probably how your spend categories are determined on your statement. I also believe this is why you can’t get grocery bonuses at warehouse stores since those would have a warehouse and not a grocery MCC. Since we were the custodians of taxpayer funds, we didn’t want cards used for things like alcohol or jewelry. Occasionally there would be a legitimate purchase at one of the controlled merchants (e.g. art supplies from a store considered a jeweler) and I would have to temporarily authorize that code. I thought this information might be helpful for employees holding corporate cards, especially if they have a charge denied and don’t know why. And please be kind to your finance department and don’t use your corporate card for personal use!

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