Reader Harry’s Best Tips to Get Approved for More Business Cards!

Reader Harry’s Best Tips to Get Approved for More Business Cards!

Million Mile SecretsReader Harry’s Best Tips to Get Approved for More Business Cards!Million Mile Secrets Team

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Welcome to the next installment of our Small Business Card Reader Success Series, where Million Mile Secrets Readers share how they opened a small business credit card to get Big Travel with Small Money!  

Small Business Card Interview:   Harry Campbell

Reader Harrys Best Tips To Get Approved For More Business Cards
Hiking in Palm Springs With My Sister Katie

Please introduce yourself and tell us a bit about your small business.

My name is Harry Campbell and I’m the founder of The Rideshare Guy blog and podcast, a site that helps Uber and Lyft drivers with everything from getting signed-up and started to keeping them updated on what’s going on in the industry.

I started driving for Uber and Lyft part-time in 2014 and quickly realized there was a lot more to it than it looks.  So I started blogging about my experience, sharing detailed spreadsheets of how much I was earning, and fortunately, the blog took off, in large part due to the huge popularity of rideshare services.

Reader Harrys Best Tips To Get Approved For More Business Cards
Exploring Antelope Canyon in Arizona

Why did you decide on the card(s) you chose?

I decided on the Chase Ink Plus (no longer available) for my primary business card because it was offering a 50,000-point bonus and I absolutely love the transfer partners associated with the Chase Ultimate Rewards portal.

Reader Harrys Best Tips To Get Approved For More Business Cards
In Spain With My Wife Diahnn at the Plaza de España in Seville

I live in Los Angeles and fly to San Francisco often, so it’s great to be able to transfer points to my Southwest account whenever I need them.  I book multiple flights in and out depending on my schedule.  Then I’m free to cancel the flights I don’t need, and the points deposit back to my account!

Describe the application.  ex. Did you apply as a sole proprietor with your social security number or some other way?

I already had a couple Chase Ink cards so I decided to apply using my EIN (Employer Identification Number).  One of the nice things about having an official business with an EIN is you can start applying for business cards with your EIN and often get multiple business cards that way.

Approximately how much annual small business income did you list on your application?  (Or if you’re not comfortable sharing that, which factors do you think lead to your applications being approved?)

I was generating around $100,000 of income at the time so I listed that and since I anticipated higher expenses, I also listed between $20,000 and $30,000 of expenses.

Reader Harrys Best Tips To Get Approved For More Business Cards
My Wife and Me in San Francisco, in Front of the Iconic Golden Gate Bridge

What would you tell someone who’s never applied for a small business card?

Most business cards don’t show up on your personal credit report since they’re part of your business.  So they can be a great way to get additional miles and points.

I’d also pick a card that you are going to be happy to keep since if your business starts to grow, you’ll likely need to set up a lot of auto-payments and it can be a hassle to switch cards.

Now the fun part!  How do you plan to use your miles or points to get Big Travel with Small Money? 🙂

I’m addicted to Park Hyatt hotels lately, and since I’m way too cheap to pay cash for them, I’ve been saving all my points for future stays.  Our last trip took us to the brand new Park Hyatt Mallorca and it was an amazing experience!

Reader Harrys Best Tips To Get Approved For More Business Cards
Our Balcony at the 5-Star Park Hyatt Mallorca – One of the Most Expensive Hyatt Hotels in the World!

Thanks for sharing your small business card experience, Harry!

Want to Share Your Story?

If you’d like to share your small business card success, please send me a note Emily and I would love to hear about how it went for you!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

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What tips? I hate to say it but I can't believe I'm the only one thinking this:

This blog is going downhill, fast!

This article is pointless. It does not give you any tips on how to get approved for more business cards.

Just go to the IRS website and apply for an EIN.

Are you (or were you) earning $100,000 as a Uber or Lyft driver? Now that's amazing. Definitely want to hear how you do that!

What is recommended when applying for the startup business with an EIN and minimal income to date?