I have long been jealous of the bloggers and travel hackers who get so many extra miles and points by getting business cards. Unfortunately, stay at home moms do not qualify as “business owners” because nobody actually pays us for our services. (hmmmpf)
Several years ago, I was a Realtor and could have easily gotten multiple business cards for my real estate business. But I was not into this game then and let my license expire back in 2007.
So, here I sit, letting millions of miles pass me by because I do not have a business. But do I?
I live in a subdivision that has a community clubhouse that residents can rent out for parties and meetings. I am in charge of renting the clubhouse and BUYING SUPPLIES for it. I am paid a modest fee for every party that I book. A modest fee, yet still a fee. I am sent a 1099 tax form every year by the HOA and I have to pay taxes on that modest money that I earn. Do I have a business? I thought I might. So a couple years ago, I applied for a Chase Ink card using that business description. I was denied. That broke me. I was scared of Chase then and stayed away from them until my recent Chase Sapphire Preferred card. Not sure what went wrong with the Ink card. Maybe they didn’t like the fact that I only made about $2,500 a year and spent less than $100 a month on supplies.
For several months now, I have been getting letters from American Express OPEN Business credit card, addressed to Gatekeeper Paranormal. I have no idea how they got our name and my address linked to it. But they did. We do not charge a fee for our services so we are a “non-profit”, but have not registered as such because that costs money and if we don’t make money, we don’t have money.
Recently we started working with Bobby Mackey’s Music World. This has given us a good deal of exposure and as such we have started investing more in our “business”. Ordering t-shirts and banners, buying new equipment and vendor tables at conventions. Unless we get our own “Ghost Hunters” type TV show, we are not going to make much money doing this BUT we are making a small amount and still putting out money and providing a service.
The American Express OPEN card was offering me 50,000 Membership Rewards points for spending $5,000 in 3 months AND an additional 25,000 points for spending another $5,000 in the same 3 months. That’s A LOT of spend. Especially considering I want to apply for new Marriott Premier VISA cards this month.
I really need some Delta miles though! I want to go to Europe next summer (!) in business class and I only have 310,000 SkyMiles. (I need 375,000. which is ridiculous. but it is what it is) So I started looking at some other business card offers this morning and saw that the Delta SkyMiles Gold Business card was offering 50,000 miles for spending only $1,000 in the first 3 months! Wow. If I had to, I could BUY the remaining 15,000 SkyMiles for about $500. But hopefully I can manufacture some spending in the next month to lower that significantly.
I was nervous, but I applied for the card using Gatekeeper Paranormal information. It was quite painless actually. They asked what kind of business and I marked “other”. They asked my annual income and provided a drop down box where the first option was “$0-$49,999”. OK. That’s honest.
60 seconds later:
Wow. I was over the moon. This opens up a whole new world for me!
And that brings me to this blog. Most of the BIG guy bloggers have affiliate links for credit cards and make a nice little commission every time somebody clicks on one and is approved. (I just gave Million Mile Secrets some money this morning. You’re welcome.)
I do not have any such links and I honestly have no idea how to go about getting them. Part of me doesn’t want to pimp credit cards all the time and another part of me doesn’t want the banks controlling (or trying to control) my content. But the opportunity exists that I could get affiliate links. And of course I want to make money. So even if I don’t have any now, I could apply for a business card for this blog with the intention of getting paid for advertising credit cards. I could. But should I?
So apparently I have 3 businesses that technically should each be eligible for their own business credit card. Will I do that? I doubt it. But I will be exploring the business side of this game a bit more now. I’m still very conservative, both in manufactured spend and credit card churning in general.
Do you have any business credit cards? Have you tapped that well yet?
I heart you American Express. Thank you.