Mark,.. you’re bad influence for me,.. after watching this video I got motivated to apply and got approved for the Amex Delta Reserve Business card,.. now I am down an additional $550 AF!!! Cheers brother 🍻!
@@MarkReese Thanks Mark, yeah I'm tied up on VX from March 14 and working on SW Priority 100k offer in December. TBH these two together are bit out my reach but getting good help from a younger sibling running a biz. CIP 15k outta my league and on the docket 2023 when I find my big boy pair haha. You seen that Wyndham portal special of 5x multiplier to the standard rate is off the hook, probably going buy some apple(9x) and cannon(6x) gear and knock out 5k there.
I’m currently thinking about starting a relationship with Chase Bank. I think your video was very informative, really thorough with the information you provided your viewers.
I'm currently over 5/24 thanks to my approval for the Discover It card. But got that Q2 5% @Gas Stations & Target coming up. Plus 5% w/Apple Pay in Q4. So I'm happy!!
Thank you for showing us how to do this - my stay at home wife who sold maybe $1100 online through Marketplace, Ebay, and Mercari is now the proud owner of a Chase Ink Business card! I couldn't believe my eyes that the approval email arrived shortly after the review process. Super stoked to be able to start stacking some business cards!
That's great! I'm applying for this card soon, just waiting on some money to transfer, gonna beef up my account balance before applying lol. Chase was stingy on my last biz card with the credit limit hopefully they got it out of their system this next time.
Congrats, they literally left you hanging for one minute lol. I knew you'd get it, I fell like I have a sixth sense about applying for credit cards now.
Good stuff Mark and congrats on your $18K approval. I was recently approved for my first Chase card, the Biz Unlimited a few weeks ago. I'm wanting to go for the Biz Cash card. How long should I wait between applications? I have two inquires which will roll off my report in mid April. Should I wait or go for it right away? thx
Chase allows up to 2 credit cards in a 30-day period (2/30 Rule), so it's up to you. I'd personally wait 2-3 months from one Chase business card to another. When applications are really close together, it increases the chances of the system auto declining & then having to deal with reconsideration. Again, it's up to you based on your risk tolerance.
I have around a 730-740 credit on my personal with chase sapphire preferred. Do you think I have a chance to qualify for this or should I just go for the chase business ink unlimited
8:47 Got this same screen this morning when applying for the Ink Cash and just like you I immediately got a email saying I was approved. I think Chase just likes to give be heart attacks.
Congratulations Hey I got denied for amex business cc early this month. How long should i wait to reapply? The reason was not too much histories with amex
Call recon persistently for a few weeks with some selling points on why they should approve it. Do you have a personal amex? If not, maybe get a personal one first.
@@similienr you may want to wait for the 6 month mark to re-apply or you could keep trying every 30 days. Amex doesn’t pull an inquiry after your first credit card you get from them. They hang onto your credit file for 30 days and on the 31st day from your application date they will pull your new credit file. I’m assuming you only have 1 credit card with them and it’s only been 2-3 months like you mentioned.
This is my next card. At 4/24. The other Chase Ink cards charge 3% foreign transaction fees. Those are a no go. April1 I have 3 inquires falling off. I think I will wait until then to apply. Is that 100K bonus hanging around?
I'm not aware of any changes to the 100K offer on the Chase Ink Business Preferred at the moment. The 90K offers on the Chase Ink Unlimited + Chase Ink Cash cards are slated to end soon, however.
@@MarkReese thanks. I applied for my first card with Amex and first business card today. Got instant 19k approval on the Amazon business card. Am over 5/24 till december, so I decided to try for Amex till under 5/24 and start building out my business credit profile.
@@MarkReese I got accepted! I don’t know how but this was shocking😂. All thanks to your videos I learned so many things about credit cards and the strategy to raise your credit thank you Mark🙏
I remember that excitement when I got approved a month ago for my first Chase card “unlimited “ I am putting all my spend on it and gardening again until September I will be 3/24 cannot wait to apply for my second card.
Hey Mark! I'm pretty naive when it comes to business credit...my main questions are 1) If you have multiple businesses, is your business credit consolidated under you as an individual or separated under each company? 2)Also, once you have a business credit card, can you just view your business credit score on the same apps where you view your personal?
1. It depends if you're using an SSN or EIN. However, most small business credit card applications require your SSN anyway, so regardless, there's a direct tie to you. 2. No. Business credit scores are separate. You'll need to create separate profiles with D&B, Experian Business, etc.
Just looking for a ball park number. But what range was your credit score at for this? I need to get about $100,000 to $150,000. So if I can get a handful of cards. I just hate to apply and get a inquiry on my report, just to get denied or a low limit
I applied for chase unlimited. I was denied and contacted the reconsideration line. I was put on hold for about 30 minutes. Abs connected to someone else to start process over. I was asked a few questions to clarify my credit report and was approved for 3K. Will wait for the increase to up it. Reconsideration line works. Been waiting to get me an Ink. I want the biz cash next. Will wait on that.
Hey, Mark. It's good I stumbled across this video before deciding on my business type. Here you were waiting to be under 5/24 but...why did you even wait with a business CC? I noticed you chose a sole proprietor and put your SSN when applying, but as I understand having an EIN and, possibly, getting an LLC would create kinda whole different ballgame from the point of a view of a credit. Or does the LLC owner still have to be under 5/24?
Great video. I loved how you went into detail on everything from credit score to your history with chase. I’m thinking of applying for the ink business cash and was wondering if the bank would be able to see any balance on it if I were to apply for a home loan and they ran my credit. Thanks.
Hi Jose - Chase business credit cards do not show up on your personal credit report, so other banks will not be able to see a balance on them. However, they will be able to see the recent inquiry (and potential temporary score drop) as Chase business cards do a hard pull on your personal report.
Congratulations on your new Business credit card. 👏🏽💯 Question, is card has to be personal guarantee? Do you happen to know, because I would like to apply for this card but I want to just use my EIN. Thank you 😊
10:05 I wish you would make a video on how you even have access to this Chase for Business page🤣. I have a personal Chase Checking account and two personal Chase credit cards so I’m all setup on the personal side of things in the Chase app and online however I just received my Chase Ink Cash card which is my first and only Chase Business product and I can’t figure out how to add the card so that I can view it on the Chase app or online and Chase customer service was absolutely no help they simply said you can’t view the Ink card under your personal account but need to add it to your Business account but we’re very vague on how that’s done and I see nothing in the options on how to accomplish such a task. See this is why I love AMEX they make such things super easy and completely seamless.
Here's a tutorial from Chase: www.chase.com/digital/customer-service/helpful-tips/business-banking/general/cbo-account-linking You can also call their business customer service team & have them merge your personal + business accounts.
@@MarkReese Mark this is why your my favorite! Thanks so much for your assistance but after ranting to you I was able to figure this out on my own lol. You absolutely rock and I can’t thank you enough for all your great advice and card recommendations.
Bro, your vids are very Informative, thanks for the information, question, I noticed that you have zero balance on most all of your credit cards, your not concerned about your creditors closing your cards, I try to use mine as much as possible to make sure that doesn't happen to me thanks, best regards ✌️
Thanks! Nah that doesn't concern me at all. I'm not aware of any issuers that close your card because of a $0 balance. A more common reason is inactivity. To prevent that, I ensure all cards get used about every 6 months.
@@MarkReese I just want a decent credit limit that will help raise my credit score. I do travel sometimes not that often. But I'm also really into investing in the stock market every month.
@@michaeldowning7094 - Awesome 💯 The Amex Platinum Card does not have a traditional credit limit, so it won't help you with utilization (one of the biggest factors of your credit score). Plus, the rewards are not good for cash back, which is likely what you'd want for investing into the market. For those reasons, consider the Chase Sapphire Preferred. It's a regular credit card with a regular limit that will appear on your credit report, and a new approval should yield a $5,000 minimum line. The rewards are also worth 30% more towards cash back than what Amex would give you. That said, I recommend waiting until at least 4.14.2022, as that's the rumored date of the Sapphire Preferred getting an elevated 80K offer online 😃👍 Make sure you're at 4/24 or lower, too.
@@MarkReese Thanks for info, I'm actually only 2/24 atm, and I didnt mean the Amex Platinum, I mean the Charles Schwab Investor card no AF 1.5% cash back into a Schwab account. You should do a video about that one because it's more rare.
@@michaeldowning7094 - Ah. The Schwab Investor Card isn't something I find worthwhile. Doesn't make sense to earn 1.5% when you can earn 2% on a different card (also with no AF) and then invest that cash into the market. The only benefit I see is it could save a few mouse clicks by avoiding the need to cash out with another card, then transfer into Schwab, then invest. So it's a little more convenient, but for that convenience you lose 0.5%.
Congrats! I have a question I can’t find too much info if you can help I would greatly appreciate it! I recently applied to chase credit card (freedom flex) and got declined and says that Inquiries can mess up your credit score or stay in your record, should I apply to another one, I was thinking bank of America the student one you covered in your video, or wait since the inquiry was last week. Thank you so much for your videos they’re extremely helpful!!
@@MarkReese No, I have currently 2 credit cards one of them being discover, which I got over 6 months ago. I thought I could apply to that card since my credit score is over 700, but the life of my card is only over a year for first first card. Should I wait and apply to Bank of America or do you think I should wait until my card had a longer lifespan and re apply to chase?
@@MarkReese age of credit too low and credit limit too low. Is it bad to have three student credit cards total and go for the Bank of America? Or should I go for the citi double cash. My last credit card was over 6 months ago.
Hi mark I had a question, my husband just received his new Hilton Amex surpass card, he already had a pre exiting Hilton honors member number and we can’t figure out how to connect his new card into the Hilton app so that way his complementary gold status is updated.
@@AlyviaGranillo - In that case a new HH account was probably opened. I suggest calling Hilton to get it sorted out. With the major hotel credit card applications, if you put your loyalty number on the application, the connection is automatically made. Definitely worth doing that going forward.
@@AlyviaGranillo - Also, the new Hilton Honors account number is probably printed on the front of the credit card, correct? Is it different than the preexisting number your husband already had?
If I’m starting a business as a DJ, which card would be best for buying DJ Equipment and other business related expenses for the business while still taking the best advantage for rewards points, Chase Sapphire Preferred or Chase Business Ink?
Hey Brian - Likely a card that earns 2% cash back / 2X points on all transactions. If you're looking to stay with Chase, then the Chase Ink Business Unlimited may be best.
@@MarkReese 1. I would save all the points for travel since that’s where I would get the most value. 2. I don’t mind annual fees as long as I get the full value that offsets the annual fee. 3. I do care about insurance protection, especially for high cost purchases.
@@bcriz - I'd take a look at the Amex Blue Business Plus. 2X points on everything, up to $50K spend per year, and best used for travel (plus it comes with several retail protections)✈
Awesome video again Mark! Congrats on the approval!! Btw, would love to know your honest thoughts on this new Bilt Rewards Credit Card from Wells Fargo. Im having a hard time trusting these bloggers. They all seem bought lol.
Hello Mark, I have a trucking business and spend about 15,000 a month and more than cover my expenses each month from earnings but got denied for this exact business credit card? It is my first business credit card but I have a 800 credit score, could this be the issue?
Hey Val Mar - bummer about the denial. There isn't a way for me to say why it happened, but Chase should give you the reason(s). How long ago was the denial? Did you receive a letter via mail?
The limit will vary from one person to another based on credit score, credit factors, income, revenue, debts, etc. I don't have a way of saying how hard it is to get ✌️
@@creativecreative9582 - Yes. I've heard some people experienced Chase pulling from 2 bureaus. Not the case for me. It can vary based on where you live.
@@achavez78 - Potentially, but I haven't decided if I'm going to go for it anymore. ITIN will likely be possible, but I cannot confirm since I haven't seen the application.
@@MarkReese I’ve got the Amex BBC and the US Bank Triple Cash as my only two business cards. I also have the trifecta on the personal side. Assuming I’m under 5/24, do I have a shot at an Ink card? My credit score is in the 760s.
Mark,.. you’re bad influence for me,.. after watching this video I got motivated to apply and got approved for the Amex Delta Reserve Business card,.. now I am down an additional $550 AF!!! Cheers brother 🍻!
Hahaha a bad-good influence 😂👊 Congrats on the approval! ✈️
Big boy pants are on and going for the 15k spend for 100k points, love it! thanks for the video Mark!
You got it! By that you mean you're going for it, too? 😃
@@MarkReese Thanks Mark, yeah I'm tied up on VX from March 14 and working on SW Priority 100k offer in December. TBH these two together are bit out my reach but getting good help from a younger sibling running a biz. CIP 15k outta my league and on the docket 2023 when I find my big boy pair haha. You seen that Wyndham portal special of 5x multiplier to the standard rate is off the hook, probably going buy some apple(9x) and cannon(6x) gear and knock out 5k there.
@@harrisonwarner6437 - Sounds good!
I’m currently thinking about starting a relationship with Chase Bank. I think your video was very informative, really thorough with the information you provided your viewers.
Make it happen! 💯
Just received my Chase Freedom Unlimited this weekend and at 3/24. Can't wait until I go for the next. Congrats on your approval!
Thank you! And a big congrats on your recent approval for the CFU! 💥
@@MarkReese you're welcome and thank you
Congratulations on your approval! Thank you for sharing your application experience with us!
Thanks Jordan! Glad you enjoyed watching the process 👍
I'm currently over 5/24 thanks to my approval for the Discover It card. But got that Q2 5% @Gas Stations & Target coming up. Plus 5% w/Apple Pay in Q4. So I'm happy!!
It's the best card out there in year one then a great card after.
Plus the Cashback Match in Year 1! 🏆 Congrats on the approval, Mat! Fantastic card; the 2022 categories are fantastic!
@@MarkReese I still wish Paypal key worked though 😭😭😭. I was hoping to get some sick returns using it with the discover card in Q3.
Discover it great card, love the no FTF and plus the cash back match the first year, 10% on gas for that Q2!
Man your the best been watching for years
Thank you!
Thank you for showing us how to do this - my stay at home wife who sold maybe $1100 online through Marketplace, Ebay, and Mercari is now the proud owner of a Chase Ink Business card! I couldn't believe my eyes that the approval email arrived shortly after the review process. Super stoked to be able to start stacking some business cards!
You're welcome, and a big congrats to your wife on the approval!
Great video your content gets better every day and the info is much more succinct than early vids. Keep up the solid work
Thanks J. Little! 💯
Nice! Another good thing is you still can apply for the premier whenever it drops because you’re still at 4/24.
Exactly right! 😃👍
Awesome, congrats on your approval Mark!
Thanks Thi! 💯
Yo Man….. Congrats! So UR BIG TIMING us now ! LOL! Welcome back 2 Chase cards. LOL! Because of your pain I won’t fall N2 that trap ! LOL !
Thanks! 💯
Congratulations 👏 having brownies is an awesome way to celebrate 🍾
Thanks! Yes they are 😄🟫
That's great! I'm applying for this card soon, just waiting on some money to transfer, gonna beef up my account balance before applying lol. Chase was stingy on my last biz card with the credit limit hopefully they got it out of their system this next time.
Good luck when ya go for it! 💯
Nice! i love watching me apply vids
Thanks Mohamad!
Did you open a business bank account before applying for a card?
No, I got business cards from Chase prior to having business bank accounts.
Congrats, they literally left you hanging for one minute lol. I knew you'd get it, I fell like I have a sixth sense about applying for credit cards now.
Hahaha you were correct, thanks Atarihitman! 👊
Congratulations on the business card!
Thank you!
Good stuff Mark and congrats on your $18K approval. I was recently approved for my first Chase card, the Biz Unlimited a few weeks ago. I'm wanting to go for the Biz Cash card. How long should I wait between applications? I have two inquires which will roll off my report in mid April. Should I wait or go for it right away? thx
Chase allows up to 2 credit cards in a 30-day period (2/30 Rule), so it's up to you. I'd personally wait 2-3 months from one Chase business card to another. When applications are really close together, it increases the chances of the system auto declining & then having to deal with reconsideration. Again, it's up to you based on your risk tolerance.
I have around a 730-740 credit on my personal with chase sapphire preferred. Do you think I have a chance to qualify for this or should I just go for the chase business ink unlimited
Hey Logan - I cannot determine approval odds. However, a 730+ should be sufficient for the score component.
Congrats on the approval Mark 👍!
Thanks Stan! 💯 Saw your BOA Premium Rewards Elite unboxing video & posted a question for ya!
Congratulations!! That's awesome.
Thanks Luis!
Awesome CL congrats! 😎
Thanks Dayana! 🌟
Hey mark congratulations 🎊 nice video i have not applied for a buisness card in a min does it lower your credit? Can’t remember
Thanks! Your score will likely take a drop due to the inquiry, but that's temporary.
8:47 Got this same screen this morning when applying for the Ink Cash and just like you I immediately got a email saying I was approved. I think Chase just likes to give be heart attacks.
Haha congrats on the approval, Chris! 👊💯
Congrats Mr. Mark👍🏼
I’ll be 4/24 next mth. Think im going for CIU
NICE! 💥
Congratulations
Hey
I got denied for amex business cc early this month.
How long should i wait to reapply?
The reason was not too much histories with amex
Call recon persistently for a few weeks with some selling points on why they should approve it. Do you have a personal amex? If not, maybe get a personal one first.
Hey Robby - bummer to hear that. I don't have a set timeline. Do you already have an Amex relationship? If yes, how long?
Yeah i have the hilton honors since January.
2 months going to 3 months
@@similienr - Got it. I’d personally wait 6 months before trying again. Not a rule, just what I’d do.
@@similienr you may want to wait for the 6 month mark to re-apply or you could keep trying every 30 days. Amex doesn’t pull an inquiry after your first credit card you get from them.
They hang onto your credit file for 30 days and on the 31st day from your application date they will pull your new credit file.
I’m assuming you only have 1 credit card with them and it’s only been 2-3 months like you mentioned.
This is my next card. At 4/24. The other Chase Ink cards charge 3% foreign transaction fees. Those are a no go. April1 I have 3 inquires falling off. I think I will wait until then to apply. Is that 100K bonus hanging around?
I'm not aware of any changes to the 100K offer on the Chase Ink Business Preferred at the moment.
The 90K offers on the Chase Ink Unlimited + Chase Ink Cash cards are slated to end soon, however.
Off the chain bro👍🏾👍🏾 I'm learning😎
Right on, glad to hear it! 👊
Mark, do you know if I can product change from a personal card to a business card?
No that's not allowed.
@@MarkReese thanks. I applied for my first card with Amex and first business card today. Got instant 19k approval on the Amazon business card. Am over 5/24 till december, so I decided to try for Amex till under 5/24 and start building out my business credit profile.
Congrats bro! You deserve this card. That's alot of cards in your Dashview 😆
Thank you! 💯
@@MarkReese do an unboxing video when your card arrives!?
@@Anhihusanivus - Likely so!
Congrats Mark, I’m gonna go ahead and try to apply for the Amex gold card let’s see what happens hopefully they accept🙏
Best of luck & report back with the result! 💯
@@MarkReese I got accepted! I don’t know how but this was shocking😂. All thanks to your videos I learned so many things about credit cards and the strategy to raise your credit thank you Mark🙏
@@Ok21111 - BOOM! 💥👊 Congrats!
I remember that excitement when I got approved a month ago for my first Chase card “unlimited “ I am putting all my spend on it and gardening again until September I will be 3/24 cannot wait to apply for my second card.
Right on, welcome to Team Chase! 👊
Congrats :-). My question is if with this card we can transfer points to airlines like the Chase Sapphire Reserve?
Yes you can. Similar to the Chase Sapphire Preferred as well
Thanks! Yes, the Chase Ink Business Preferred credit card gives you access to the same transfer partners as the Sapphire cards 👍
Hey Mark! I'm pretty naive when it comes to business credit...my main questions are 1) If you have multiple businesses, is your business credit consolidated under you as an individual or separated under each company? 2)Also, once you have a business credit card, can you just view your business credit score on the same apps where you view your personal?
1. It depends if you're using an SSN or EIN. However, most small business credit card applications require your SSN anyway, so regardless, there's a direct tie to you.
2. No. Business credit scores are separate. You'll need to create separate profiles with D&B, Experian Business, etc.
@@MarkReese Thank you!
Just looking for a ball park number. But what range was your credit score at for this? I need to get about $100,000 to $150,000. So if I can get a handful of cards. I just hate to apply and get a inquiry on my report, just to get denied or a low limit
See 11:44 in the video.
@@MarkReese must have missed it. Thanks
I applied for chase unlimited. I was denied and contacted the reconsideration line. I was put on hold for about 30 minutes. Abs connected to someone else to start process over. I was asked a few questions to clarify my credit report and was approved for 3K. Will wait for the increase to up it. Reconsideration line works. Been waiting to get me an Ink. I want the biz cash next. Will wait on that.
Congrats & well done on turning that decision around! 😎👊💯
Got that sweet 100k Sub
BOOM, congrats! 💯💥
Hey Mark, once you hit 4/24 (Let's say today), how long did you wait to apply for the new credit card? a day? a month?
I like to wait about 1 month to ensure my credit report gets updated.
is it possible to get two bonuses for two ink cards
Yes it is. Here's a link to a blog post about it: johnnyafrica.com/multiple-chase-ink-business-cards/
“ANOTHER ONE” in dj khaled voice
😎👊
Chase ink premier has been out for some time now, it’s only for the high rollers, you have to talk to your business account manager to be considered
Correct that it's been available in person for a few months 👍
I am waiting 18 months to be under Chase 5/24
💯👍
Is it possible to do ach payments from ink preferred ?
Not that I'm aware of.
How long did it take you, to receive the actual card in the mail?
2 days. I called after the approval & requested an expedited delivery.
Hey, Mark. It's good I stumbled across this video before deciding on my business type. Here you were waiting to be under 5/24 but...why did you even wait with a business CC? I noticed you chose a sole proprietor and put your SSN when applying, but as I understand having an EIN and, possibly, getting an LLC would create kinda whole different ballgame from the point of a view of a credit. Or does the LLC owner still have to be under 5/24?
The LLC owner still needs to be under 5/24. Chase still pulls your personal credit for small business credit cards.
@@MarkReese Oh, thank you. I didn't know
Great video. I loved how you went into detail on everything from credit score to your history with chase. I’m thinking of applying for the ink business cash and was wondering if the bank would be able to see any balance on it if I were to apply for a home loan and they ran my credit. Thanks.
Hi Jose - Chase business credit cards do not show up on your personal credit report, so other banks will not be able to see a balance on them. However, they will be able to see the recent inquiry (and potential temporary score drop) as Chase business cards do a hard pull on your personal report.
Congratulations on your new Business credit card. 👏🏽💯
Question, is card has to be personal guarantee? Do you happen to know, because I would like to apply for this card but I want to just use my EIN. Thank you 😊
Thanks Soledad! Yes, there is a personal guarantee.
easy 115k chase point grab, Nice!
Sure is! 😃👊
10:05 I wish you would make a video on how you even have access to this Chase for Business page🤣. I have a personal Chase Checking account and two personal Chase credit cards so I’m all setup on the personal side of things in the Chase app and online however I just received my Chase Ink Cash card which is my first and only Chase Business product and I can’t figure out how to add the card so that I can view it on the Chase app or online and Chase customer service was absolutely no help they simply said you can’t view the Ink card under your personal account but need to add it to your Business account but we’re very vague on how that’s done and I see nothing in the options on how to accomplish such a task. See this is why I love AMEX they make such things super easy and completely seamless.
Here's a tutorial from Chase: www.chase.com/digital/customer-service/helpful-tips/business-banking/general/cbo-account-linking
You can also call their business customer service team & have them merge your personal + business accounts.
@@MarkReese Mark this is why your my favorite! Thanks so much for your assistance but after ranting to you I was able to figure this out on my own lol. You absolutely rock and I can’t thank you enough for all your great advice and card recommendations.
Bro, your vids are very Informative, thanks for the information, question, I noticed that you have zero balance on most all of your credit cards, your not concerned about your creditors closing your cards, I try to use mine as much as possible to make sure that doesn't happen to me thanks, best regards ✌️
Thanks! Nah that doesn't concern me at all. I'm not aware of any issuers that close your card because of a $0 balance. A more common reason is inactivity. To prevent that, I ensure all cards get used about every 6 months.
Every time you got approved for a new credit card, you are over the moon
😂🌓
For my 3rd revolver would you recommend the Sapphire Preferred or Charles Schwab amex
Depends on what you want to achieve, they're very different cards. What is it that you're looking for in a card right now?
@@MarkReese I just want a decent credit limit that will help raise my credit score. I do travel sometimes not that often. But I'm also really into investing in the stock market every month.
@@michaeldowning7094 - Awesome 💯 The Amex Platinum Card does not have a traditional credit limit, so it won't help you with utilization (one of the biggest factors of your credit score). Plus, the rewards are not good for cash back, which is likely what you'd want for investing into the market.
For those reasons, consider the Chase Sapphire Preferred. It's a regular credit card with a regular limit that will appear on your credit report, and a new approval should yield a $5,000 minimum line. The rewards are also worth 30% more towards cash back than what Amex would give you.
That said, I recommend waiting until at least 4.14.2022, as that's the rumored date of the Sapphire Preferred getting an elevated 80K offer online 😃👍
Make sure you're at 4/24 or lower, too.
@@MarkReese Thanks for info, I'm actually only 2/24 atm, and I didnt mean the Amex Platinum, I mean the Charles Schwab Investor card no AF 1.5% cash back into a Schwab account. You should do a video about that one because it's more rare.
@@michaeldowning7094 - Ah. The Schwab Investor Card isn't something I find worthwhile. Doesn't make sense to earn 1.5% when you can earn 2% on a different card (also with no AF) and then invest that cash into the market.
The only benefit I see is it could save a few mouse clicks by avoiding the need to cash out with another card, then transfer into Schwab, then invest. So it's a little more convenient, but for that convenience you lose 0.5%.
Congrats! I have a question I can’t find too much info if you can help I would greatly appreciate it! I recently applied to chase credit card (freedom flex) and got declined and says that Inquiries can mess up your credit score or stay in your record, should I apply to another one, I was thinking bank of America the student one you covered in your video, or wait since the inquiry was last week. Thank you so much for your videos they’re extremely helpful!!
Hey Pablo - Was the Chase Freedom Flex going to be your 1st card ever?
@@MarkReese No, I have currently 2 credit cards one of them being discover, which I got over 6 months ago. I thought I could apply to that card since my credit score is over 700, but the life of my card is only over a year for first first card. Should I wait and apply to Bank of America or do you think I should wait until my card had a longer lifespan and re apply to chase?
@@pabloduhpenguin - What was the reason for the denial with Chase?
@@MarkReese age of credit too low and credit limit too low. Is it bad to have three student credit cards total and go for the Bank of America? Or should I go for the citi double cash. My last credit card was over 6 months ago.
@@pabloduhpenguin - It's not bad to have 3 student cards. Do you bank with Bank of America?
Great card. It’s my catch all travel card.
Excellent choice on your part! 👌✈️
Does chase hard pull again if you already have a chase card?
They do 👍
Is it better to apply with an EIN as a sole proprietor, or social?
I don't have data to back up an answer. However, if I had an EIN, I'd use it.
What are the income requirements for this card? What's a good monthly spending range to give for a high credit limit?
1. Income requirement is not known or published.
2. I don't have any data to support a monthly spend range for a high limit.
Hi mark I had a question, my husband just received his new Hilton Amex surpass card, he already had a pre exiting Hilton honors member number and we can’t figure out how to connect his new card into the Hilton app so that way his complementary gold status is updated.
Did he put his Hilton Honors number on the application?
@@MarkReese no
@@AlyviaGranillo - In that case a new HH account was probably opened. I suggest calling Hilton to get it sorted out.
With the major hotel credit card applications, if you put your loyalty number on the application, the connection is automatically made. Definitely worth doing that going forward.
@@AlyviaGranillo - Also, the new Hilton Honors account number is probably printed on the front of the credit card, correct? Is it different than the preexisting number your husband already had?
@@MarkReese okay great thanks, yeah unfortunately it showed up with a new different number
Thank you...Thank you and Thank you
Of course!
I use my us bank cash +mostly for spend at Best Buy . Most cards won’t bonus bby
Great choice for BestBuy purchases 💯
Amazing 🤩 job bro 😎
Thank you! 💯
If I’m starting a business as a DJ, which card would be best for buying DJ Equipment and other business related expenses for the business while still taking the best advantage for rewards points, Chase Sapphire Preferred or Chase Business Ink?
Hey Brian - Likely a card that earns 2% cash back / 2X points on all transactions. If you're looking to stay with Chase, then the Chase Ink Business Unlimited may be best.
@@MarkReese Thanks for quick response Mark! Since you mentioned “if you’re staying with Chase,” did you have any better card in mind?
@@bcriz
1. What do you want to use rewards for?
2. Are you ok with annual fees?
3. Do you care about insurance protections?
@@MarkReese
1. I would save all the points for travel since that’s where I would get the most value.
2. I don’t mind annual fees as long as I get the full value that offsets the annual fee.
3. I do care about insurance protection, especially for high cost purchases.
@@bcriz - I'd take a look at the Amex Blue Business Plus. 2X points on everything, up to $50K spend per year, and best used for travel (plus it comes with several retail protections)✈
What did u put for how much u would spend on card application?
That's not something I reveal ✌️
@@MarkReese how we know what to put bro help me out
@@internationaldough5930 - You should put your revenue, not mine.
Awesome video again Mark! Congrats on the approval!!
Btw, would love to know your honest thoughts on this new Bilt Rewards Credit Card from Wells Fargo. Im having a hard time trusting these bloggers. They all seem bought lol.
Thanks Paul! I may do a video on the Bilt Rewards card at some point. Not on the priority list right now.
How much was it for they gave u
Hi Romeo - what do you mean?
@@MarkReese how much they approve u for? From chase ..
@@romeo-santos8214 - I mentioned that at 10:39 👍
Hello Mark, I have a trucking business and spend about 15,000 a month and more than cover my expenses each month from earnings but got denied for this exact business credit card? It is my first business credit card but I have a 800 credit score, could this be the issue?
Hey Val Mar - bummer about the denial. There isn't a way for me to say why it happened, but Chase should give you the reason(s). How long ago was the denial? Did you receive a letter via mail?
Decent card, but that spending requirement is a deal breaker.
✌️😁
Thanks!
Much appreciated, Brian! 😃👊
@@MarkReese no problem. Thank YOU!
What’s the limit on the card and how hard is it get approved?
The limit will vary from one person to another based on credit score, credit factors, income, revenue, debts, etc. I don't have a way of saying how hard it is to get ✌️
@@MarkReese 700 plus credit score?
@@joshuabhatti663 - That's only 1 factor out of many that are used. Even still, I don't have access to any formula to determine anything.
@@MarkReese I see . Would you say this card is hard compared to Amex
@@joshuabhatti663 - Amex may be easier.
What bureau do they pull from
For my application it was Experian. Can't guarantee that'll be the case 100% of the time.
@@MarkReese They only pulled experian?
@@creativecreative9582 - Yes. I've heard some people experienced Chase pulling from 2 bureaus. Not the case for me. It can vary based on where you live.
Do a card review once it ships please !!🙌🏼
Review already done 10 months ago 😁 Here's a direct link: ruclips.net/video/FD9s65RZtRk/видео.html
2 months to go for me 😁
The clock is tickin'! ⏱
You are a career criminal. As soon you're let out of 5/24 Jail you go right back in
😂👊
@@MarkReese - Mark are you gone be able to apply for that Chase Business Premier when (if) it drops? Can you use your ITIN instead of SSN?
@@achavez78 - Potentially, but I haven't decided if I'm going to go for it anymore. ITIN will likely be possible, but I cannot confirm since I haven't seen the application.
How the hell are you under 5/24? I thought you were at like 17/24, lol!
A lot of the Watch Me Apply videos have been business credit cards, so none of them affected my 5/24 count 😎👊
@@MarkReese I’ve got the Amex BBC and the US Bank Triple Cash as my only two business cards. I also have the trifecta on the personal side. Assuming I’m under 5/24, do I have a shot at an Ink card? My credit score is in the 760s.
@@electroduval831 - Potentially, there isn't a way for me to determine a result ✌️
Finally out of 5/24 jail?
Yee yee 😎