What business credit cards to apply for on my first BRRRR

9 Replies

Hi Robert,

Are you looking for a new credit card to help fund you deal, or to be able to put all of the business expenses on a separate credit card for easier tracking?

If it is to help you fund a deal, that can be a very risky strategy.

If it is to make it easier to track your expenses, almost any credit card would work but I would recommend one that doesn't charge annual fees.  I would look at the rewards offered by the home improvement store you use.

@Robert Bates Regarding business credit for funding future flips, I've always been required to provide a personal guarantee for the loans, which means a review of my personal credit and personal financials. This is even for commercial loans. That's my experience at least, and I've been doing REI for about 15 years now.

- Tom

As per my experience, personal credit is more important in real estate investing than business credit. The lenders will look at you as a business owner, not only at your company. Active real estate investors open and close LLC's all the time. The lenders will ask all your personal financial data anyway.

But to answer your question - get the card that has cash back, no annual fees and low interest rates. We personally don't use business credits cards, but I found a nice comparison below:


A lot of people will open new credit cards (personal or business) in anticipation of large upcoming expenses. Since you're doing a BRRR, a viable strategy is to put all of the rehab costs on these new credit lines. The world of credit card sign up bonuses is extremely broad and deep (too deep to go into detail in this post) but you should be able to hit multiple minimum spend requirements (MSRs) and receive significant bonus value.

That being said, please do make sure that you're not borrowing from the credit cards and that you have the funds to pay them off immediately. Never carry a balance. If you are trying to carry a balance, I'd look towards business cards with 0% introductory APR for 12-18 months. Business credit cards don't report to personal credit bureaus so your personal credit score will not be impacted.


I'd recommend the Chase Ink Cash (50k Ultimate Reward points), Chase Ink Unlimited (50k UR), and Capital One Spark Business ($1,000 cash). Other good resources to use are:



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