Why Your Next Card MUST Be A Business Credit Card

[@DanielIles]

“My business is leaving comments and I accept compensation through likes” *$20,000 limit instant approval*

[@Jungernaut]

YOO 😂😂😂

[@drewlieving]

Tell me more

[@GreyShield7]

No WAYY ! Please tell me your joking Daniel 😆

[@KevinConwayChannel]

My wife somehow manages to start many, many "businesses".... ;)

[@NaamWynn]

Business cars usually have the best rewards and sign up offer from what I see. And business cards are pretty easy to get, even though what other people may think.

[@coffeenteanpee]

Just got approved for Biz gold after obtaining Personal gold and Delta Reserve, ya boi is moving up in the world 👀

[@jalabi99]

@Naam Wynn - Personal Finance & Investing yeah as long as your FICO is 680 and up, getting business credit cards that require a personal guarantee is easy.

[@williamwilson3981]

Got my first business AMEX blue cash 2% on everything up to 50k. Might try for an ink business later

[@yankeedoodle6293]

Just got the Chase ink and capital one spark - 30k each. I also have an Amex gold

[@gamerx30]

Cap One and Discover Cards do they put it on your personal credit. I'm going for a wells Fargo business Platinum because that's my bank I use I have a 770 credit score. I probably can't apply for Chase.I also want a Amazon Prime Business American Express definitely. BUSINESS: Tile Cleaning Ecommerce Side Hustles: Amazon Flex Dolly Movers Most moving apps Carpet Cleaning And a few others I grind 7 days a week.But don't have a business credit card yet but my personal credit is in the mid to high 700's on FICO 8 and 9.

[@JonathanStrange]

"you arn't gonna become a millionaire overnight" .... couldn't agree more! People are still shocked when they find out that I work 7 days a week... its always a grind. Great content brother.

[@Jungernaut]

Thanks man!

[@rumar4u]

Brian I’ve watched a lot (almost all) of your videos. Here’s my thing, yes... business credit cards are great but you should also point and talk more about personal Fico Scores needed to guarantee approval, credit history length (not talking about late payments or utilization) and how to create that sort of relationship with Credit Card issuers in order to be safe when applying so people don’t go out there applying and wondering why they got turned down. Just my 2 cents

[@Jungernaut]

I did mention this in the video

[@jalabi99]

@Ruben Chavez he talked about it for two seconds LOL but the bottom line is: if you want to get instant approval for a business credit card that requires a personal guarantee then the higher your personal FICO score is, the better. I personally would not apply for any business card that requires a PG unless my FICO was at least 680. There's ways to get approved for business credit cards without a PG but it will take at least 90 days to build up your business credit profile, using starter vendor credit etc. Once you've built up your business credit profile, you can apply for and get business credit cards and they will not require a PG, so your FICO score won't be taken into account and it wouldn't matter how low your FICO.score is. KZbin channels like CreditSuite and 100 Percent Financed will teach you how to build up your business credit profile the right way. TLDR: If you apply for business credit cards that need a PG, get your FICO up to at least 680 for instant approval. If you want to apply for business credit cards without a PG, take around 90 days to build up your business credit profile beforehand.

[@david-antonydavidson9232]

I'm running a balance on my personal cobalt, but my amex plat business charge balance is cleared out monthly... If I understand correctly, my amex plat charge does not report to my cobalt and vice versa, and i shouldn't be scared to apply to an actual amex credit card ?

[@Nwakaego_]

jalabi99 Great advice man! Thank you!

[@ryanmccallum9415]

I got my first biz card based on your advice Brian! (US Bank Business Cash Rewards) with a $500 sign up bonus! Really helps since im at like 9/24 so chase ink are out the window haha

[@jonb3189]

Timing is perfect. Getting another CC this month and now deciding.

[@Jungernaut]

You can’t go wrong with business cards!

[@cherrytung]

Finally getting my business card this week! 🙌🙌

[@crxracer805]

You beat me by 9 seconds... for 1st

[@cherrytung]

@@crxracer805 tough battle out here ;)

[@Jungernaut]

❤️💪🤘

[@xKiLLzZx1]

One question: How can so many credit cards be profitable?`Wouldn't it make more sense to just use 3-4? Usually with this you can cover all benefits with them... Please let me know.

[@diamondshottys1775]

Strategy just worked for me. Approved for Chase Ink business but only 7k limit. I already have Sapphire and Freedom Cards with 25k limits

[@claudediggs7467]

Can you do a balance transfer from a personal cares to a business card?

[@joanastarr]

Hi Brian! Love your channel! Do you get an EIN # when applying for biz cards? Sems like the best way to clearly differentiate between personal and business cards.

[@Ghostkerfalcon]

Does applying for a chase business credit card and chase Personal credit card same day Fall under the double Dipping rule that will result in not obtaining one card? I’ve heard different answers on this. Thank you!

[@teresabridges4239]

Hi Brian I have a question just applied for American Express Blue Business Cash Card when I put my EIN number in, it said they American Express only use EIN it if you are applying for partnerships or corporation, and if I selected on of those two it ask for partners or corporation information, the only other selection was sole proprietorship so it use my SSN number, my credit score is high and I use you link. Thanks

[@Frankwek21]

Got my first Ink card today. Very happy.

[@omaralberto9212]

Frank Wek how did you get it?

[@Jungernaut]

Congrats!

[@Frankwek21]

@@omaralberto9212 Long history with Chase and a good credit score 737.

[@NotKevinNguyen]

Gotta thanks Brian for my first Ink card 💪

[@Jungernaut]

Congrats bro!

[@donniequinnjr7040]

When you apply for a business credit card; do you receive a hard inquiry on your personal credit score?

[@carlosrodriguez6376]

Definetely you do

[@khalilk6538]

Excellent video Brian. You a philanthropist.

[@Jungernaut]

Haha thank you!

[@martinboss941]

Your information is easy to process and makes sense . Great sound quality too .

[@rjm809]

American Express asked for my bank information to accept my request to show my business income , but I don’t have a Buisness , so what should I do

[@jared997]

I wouldn't apply for Chase as first business card. They will ask a ton of questions. I did that and was denied. I then applied for amex business and got instant approval and few months later applied for chase business with couple verification questions and approved.

[@Jungernaut]

Very similar thing happened to me. Chase really puts an entry level to new business card applicants but Amex is very open to it. Once you get your first card with chase the rest are as smooth as butter

[@georgiafall95]

Hi Brian. I have an llc with my husband. He has excellent credit, I have good credit. If he tries to apply for a business credit card do I need to be on his application because we have the llc together or is there a way for him to apply without me? Thanks

[@Jungernaut]

As long as he is one of the owners listed on the business he can apply for it independently. Don’t forget to go through our blog to learn more bit.ly/BusinessCreditGuide

[@crxracer805]

2nd. I'm thinking of opening a restaurant so I'll be getting a business card sometime!

[@cherrytung]

you can get one for your channel, right?

[@crxracer805]

@@cherrytung I don't think I can get one because my channel isn't monetized. Need at least 1,000 subscribers.

[@cjlowe1650]

So cute and important information. Thanks, son!

[@daverobinson1574]

Brian, thank you for that great information. Keep up the great work you are doing!

[@roadtosucessroadtosucess8405]

My business is selling gift cards. I’ll use the card to buy gifts cards and pay it off. And rack up points lol. It’s a business 🤷🏼‍♀️

[@edssszy]

Hi brian. Just got approved for Blue Business Plus, I was nervous and thrilled at the same time its my first ever business credit card. My question is when should I apply for my next business card? Im at Lol/24. I’m eyeing the amazon business prime as i always use amazon for my small business, is it a good card? Does it have foreign transaction fee? Great video as always! ☺️

[@Jungernaut]

Congrats on your new business card! I made a video reviewing the amazon business prime. I think it is an excellent card if you do spend money on amazon. I wouldn’t use it for any foreign transactions. There are other cards that will offer better rewards. Amazon business prime is a cash back card mainly to be used for amazon purchases

[@hkwong4310]

I’ve never seen anyone do it better

[@x6da9crain]

just started LLC for real estate trying to figure out how to get business credit that doesnt effect my personal credit/ss#. 2. want to get a personal credit cards that are 0% interest for 15+ months to help with my debt consolidation. 3. want to rack up points so i can travel 1st/business class. i take my mom to Korea as much as i can. but i cant stand economy seats for 14hrs. the other few credit card youtubers are saying you have to work up to getting business credit that doesnt effect or personal. so im confused on that

[@jeffwill814]

Keep up the good work Youngblood!

[@Jungernaut]

Thank you sir!

[@icris617]

I just went under review for business card. I hope I get approved. I already have three personal cards with Chase

[@Jungernaut]

3 personal cards with chase highly increase your chances. The first card with chase is always the hardest to get because they request additional paperwork like a utility bill or something that shows proof you are the owner of the business but after that you are usually good to go

[@msway836]

@@Jungernaut I got the Chase ink Bus Cash Card B. do they do a soft pull if I want to increase my amount from 13k to whatever after like 30 or 60 days??? Whats your thoughts on a Biz CC increase w Chase?? Thanks..Btw its my FIRST Chase Card Ever....a Biz CC

[@kyoko850214]

Your video is so good,hope you get better and better

[@cameronscottespinozaohl5902]

I've started my credit card journey back in 2018

[@Johnnyhamcheckk]

BJ, could you let us know or make a video about how taxes work with business credit cards? Even with some personal spend on business cards, do you sort expenses out for tax season or do you just pay as you would normally? Love your videos my man

[@mrbryanl]

Great video I just applied for the Chase Sapphire Preferred Friday and got approved, how long should I wait to apply for a business card? Thanks for reading.

[@Jungernaut]

I would wait 30 days minimum before applying especially if it’s within the same issuer

[@mrbryanl]

Thank you

[@Frankwek21]

I was watching the clock behind you. Half hour to make a 15 minute video not bad.

[@Jungernaut]

Hahaha thanks usually it’s a lot longer

[@HisArchness]

I heard if you recently got the CSR you should wait 5 or 6 months before trying to get the CIP. Is there any truth to this?

[@lateefahthomas4101]

Love the content!

[@Prince-fr2lr]

I have 6 hard pulls but only 2 credit cards do I fall under the 5/24 rule?

[@whendidyoutubeswitchtohandles]

You're good to go. (As far as 5/24 goes)

[@Prince-fr2lr]

@@whendidyoutubeswitchtohandles thanks

[@loneconservative3750]

I have 2 business credit cards thanks to you Brian! Including the Alaskan Airlines Business card. Never thought I’d get an Alaskan Business card or any and it’s all thanks to you videos! Thank you so much for all you do!!!!

[@Jungernaut]

Congrats man!

[@imgonzalez]

Sucks to be in 5/24 jail 😔😔😔

[@othatdude30]

Working on my next chase ink card coming in the mail

[@Ghost-my1tr]

Man this video was great. Instant subscribe!

[@fathernightroadgaming3435]

Brian just received my business ink preferred and was surprised it was a plastic not hard metal or close to it. Can I ask as you have a few ink cards if they are all like this or some are metal? Just didn’t look like a chase thing

[@kelv4752]

Another valid vid and my business selling cookies

[@MakeBanco]

I want to use Business Cards for Dropshipping and other Business related stuff.

[@shujayethossain6554]

Hi Is it okay if I open 2 Chase co-branded business cards,get the sign up bonus and then close them after few months? Thank you!

[@ItsBrendanBoyd]

This is dope bro! Thanks. On it!!!

[@BradWillmanJ]

Is this true for Canadians as well?

[@eallbright88]

Can you get Amex business credit card for more than one business. And will Amex make a Hard inquiry if you have Amex card in another business name?

[@ccn042000]

@EA8851 did you ever find the answer to your question. I was wondering the same thing

[@eallbright88]

@@ccn042000 No I never did get an answer.

[@ramdoys]

This is very interesting.

[@smoovemarc6172]

Hey I want to apply for my first freedom chase card I have a credit history of 11 months, I’ve never had any late payments, a credit score of 699 with 3credit cards and 1500$ dept due a laptop plan from Best Buy should I go for the freedom now?

[@rumar4u]

@Smoove Marc Not yet bro... get it to Fico 720 minimum (Not VantageScore from CreditKarma) and Chase pulls reports from Experian and TransUnion

[@uncoveredtruth2088]

Smoove Marc you should pay the 1500$ plan a bit down, also a higher credit score should increase the chance.

[@amjonzez1]

@@rumar4u Does Chase count the AUs that could add the credit score to get to 720?

[@michaelcraig9227]

My business is income tax and other services to small businesses

[@sv5479]

so if you're at 4/5 personal credit cards and you want to apply for the Chase Business credit cards, would these count as inquiries against your personal credit?

[@zachsodano]

hey thanks man i have a ebay business started last year did about 50k sales between that and local just applied for this hope i get approved great vid you got a new regular. Can you make a good video on how to make a llc

[@Jungernaut]

Nice zach! LLC and legal formations are really outside my expertise but my own consultants advise me to consider applying for LLC in the state of Delaware because of cost and tax benefits. You can consider other states like Vegas or Wisconsin but keep in mind I’m not a professional on this so I would consult a legal profession to help with that. If you’re doing EBay I really don’t see the need for an LLC unless you just want to seperate your assets from yourself.

[@Helena-zg2xy]

Kinda shocked I got denied for the Amex Blue Business. I had to link my checking account prior to the decision. Anything I can do to reverse the decision?

[@gamerx30]

What that Amazon Prime Credit Card Do Thou🤣🤣🤣

[@Nwakaego_]

Great video Brian!💪🏿💯

[@Jungernaut]

Thank you!

[@cjmor6590]

bro please do a video on status matching

[@michaeldiaz6060]

Looking at these videos again. 10/12/22 Brian is now at 1.2mill subs when around here he was at 20k

[@tonishanice26]

Is it possible to get approved for Higher amounts with no credit? I’m 20 and looking to start my business. How would I start?

[@whitesox162]

How do you get a business credit card without having an actual business

[@tajneeley]

Your * (love you jungy 😂)

[@dwalker6868]

Thank you

[@blu1806]

Hi just discovered your channel, great work! I live in UK will it work in the same way here?

[@LiTgg]

It's so freakin complicated process for non-us LLC owner's. Sucks.

[@Jungernaut]

It was an incredible easy process for me and everyone who applied with a non LLC though. Make sure you check my blog and playlist on business credit to make it easy

[@LiTgg]

@@Jungernaut hey, Thanks for replying. are you American?

[@Jungernaut]

LiT yes I am

[@linkstale]

can you pay a wellsfargo mortgage payment with one of the chase ink cards?

[@uncoveredtruth2088]

It possible through Plastiq, but they may not allow it. Since it debt paying for debt.

[@AllenFlipsWhips]

You’ll need to use a credit card processor like square to convert the credit into cash. It will cost a processing fee.

[@coryclark9624]

What credit bureau do chase business ink use and I had a chase freedom card since June and when should I apply for the chase business ink credit card and thanks

[@Jungernaut]

I think right now would be a good time to apply since it’s been more than a couple months with the issuer. Check out our blog here before applying! bit.ly/BusinessCreditGuide

[@seejoneslift]

Few questions...how far apart should you apply for these cards ? How many cards can you get at one time ? Can you use your business credit card for personal use ? Are your purchases on your business card tax write offs ?

[@Jungernaut]

1. Check out my video when to apply for credit cards video on my channel. 2. Check out my FAQ at the bottom of the blog here for the answer to your question bit.ly/BusinessCreditGuide

[@WinstonKnows]

Does Chase Ink count against 5/24, since they know of their own cards? I realize they may not see other biz bank cards, but they would have access to their own data.

[@Jungernaut]

It does not count against 5/24. 5/24 rules are just for personal cards. They do have there own data but the rules include personal only!

[@MrLeo625]

Great 👍

[@xtinegm]

Can I just get a business credit card to consolidate my debt instead of applying for a loan?

[@ayman.ibrahim]

Sure you can But only if you can consolidate yr debt within one year.

[@shivanshubansal1124]

Thanks for the amazing video. I have a burning question tho (I have never owned a business), how do you justify spending any amount of money on you business card for personal use for tax/accounting purposes? This is something I have always thought about but never came to an answer.

[@cudag332]

Brian, what kind of credit score in needed for a chase business ink?

[@msport4769]

Brian, just started watching your videos and am learning a lot. Curious about what you think about Tai Lopez and Stephen Liao. Oh and that little thing about MS and how that can get you shut down by Amex and Chase. (That was what they were teaching but that was 2 years ago.)

[@thematrix5115]

Do they use PG when applying for business credit cards.

[@headlibrarian1996]

Personal guarantee? Absolutely.

[@ronaldramirez5401]

great video! When you apply for a business credit card do they do a soft or hard inquiry to your credit? Does it affect it at all? thx

[@Jungernaut]

They do a hard pull to your credit to qualify you for acceptance!

[@ramdoys]

Is making games "Ranked as a bussiness?"

[@alie7358]

Make update on this video

[@pedrocdo9599]

Did $100k on sales this year on eBay Dropshipping, got dennied for Chase Ink Cash, any tips bro?

[@Jungernaut]

You’ll get a letter for reason of denial. I would make the move once you get that because there’s so many factors I wouldn’t be able to know

[@geronimodavidson7304]

call up customer service/credit review section and ask to speak to an agent or supervisor if need be. Be prepared before you make the call. Go over the letter and mark off areas or points you need to address so you're ready n prepped for the call. Speak to the agent and let them know the benefits of the card and how it can be of use to you in building a good business relationship with them etc etc. Be professional, make small talk with the agent, but pump up the benefits of being their client etc etc. good luck

[@pedrocdo9599]

@@geronimodavidson7304 Didn't accept, I'm still within the 2 week period of receiving the letter in the mail regarding that call. I have 1 year of credit history, that seems to be the main hurdle, any tips?

[@geronimodavidson7304]

@@pedrocdo9599 with only 1 year of credit history, you're gonna have to keep plugging away bro. The one thing that comes to mind is to go local to build your file. In other words don't ignore local chains, stores, boutiques, department stores while attempting to build your credit. I find far to many times people jump to major bank cards and ignore advantages of local stores to build a file. good luck.

[@omaralberto9212]

Hello everyone. Question: I buy and sell cars for a living. I use my girlfriend License to buy at Auctions. She gives me a 1099 and the end of the year and I claim my own Taxes. Can I sign up for a Business card? Even though I don’t have a Business under my name. Thanks

[@Jungernaut]

Yes you can Omar as long as you have user as an authorizing agent of the business . Check out our blog here bit.ly/BusinessCreditGuide

[@omaralberto9212]

Brian Jung thanks for your reply bro. Yes I’m A Authorize user. I can register cars that I sell under the State. I have good credit, 5 CC. 5 % utilization. Score 667. I read to get approve 680-700 for the Ink card. What should I do ????

[@davids2206]

I got defected from amazon’s business credit card today and I don’t know why as I have a good credit score

[@Bryan-vu5fu]

David Salchert You’ll get a letter with the reasons they denied you within 7-10 business days

[@davids2206]

They told me online it has to do with my credit score and accounts but they are in great shape

[@Andrew_572]

Do you have to file business taxes after getting a EIN even if you don’t get any money ?

[@WinstonKnows]

Andres Velazquez yes, even a zero revenue return.

[@Andrew_572]

Winston S Thanks

[@maximillian2396]

you need to do a video with graham Stephan asap

[@Br0wnGuy26]

First

[@mslau1054]

I’ve never seen anyone do it better