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Credit Card Stacking: The Ultimate Guide

March 6, 2023

For entrepreneurs looking to optimize their business, credit card stacking is a great tool that can save time and money. Credit card stacking is a great way to maximize your cards' benefits while minimizing the associated costs. Let's dive into what credit card stacking is and how it can help entrepreneurs grow their businesses.

What is Credit Card Stacking?

Credit card stacking is the process of applying for multiple credit cards to access a larger unsecured line of credit than individual business credit cards can provide. This method allows you to take advantage of the best deals from multiple companies, including their lucrative zero-interest introductory offers, and combine them to maximize your spending power. By doing this, entrepreneurs can get more bang for their buck and take advantage of perks such as cashback, points, rewards, and more without paying interest on the amount they borrow.


How Can Credit Card Stacking Help Entrepreneurs Grow Their Businesses?

By taking advantage of credit card stacking, entrepreneurs can access more cashback for purchases made through their accounts and additional rewards that come with using those cards. This can be especially useful for those who are just starting out in business since they may not have access to large amounts of capital yet; by using credit card stacking, they will still be able to take advantage of discounts and promotions offered by various companies without having to dip into their own finances. Additionally, having multiple business credit accounts open at once can help build an entrepreneur's credit score, which makes it easier when applying for loans or other financing options down the line.


What Are Some Tips for Credit Card Stacking?

When it comes to credit card stacking, there are some essential tips that entrepreneurs should keep in mind to ensure they optimize their accounts properly:

  1. Always pay off any balances on time; late payments will incur fees that could negate any benefit from utilizing the cards.
  2. Try not to mix personal and business expenses on the same cards; this will make tracking your spending much easier at tax time.
  3. If possible, use direct deposit when paying off balances so you don't have to worry about missing payments due to mail delays or other issues that may arise.


Credit Card Stacking FAQs

What if certain purchases don't allow me to use credit cards?

Business credit cards can be used for virtually any business need, from contractors to buying real estate. The key is to use a payment service called PlastiQ to send a wire, ACH, or check to wherever you need the payment to go. They charge a small fee for assisting with the transfer, but it is nothing compared to cash advance fees or the fees that come from other financing options and allows you to use a business credit card like cash.


How long do business credit cards carry zero-interest terms?

The zero-interest introductory offers will vary from bank to bank, but generally, you can expect the zero-interest term to last 6-22 months, with some going as high as 24 months.


How much is the minimum payment on a business credit card?

The minimum payment is usually about 1% of the balance, so if you have a $5,000 balance, you can expect the minimum payment to be $50. However, to make yourself look worthy of additional credit to the lenders in the future, we recommend paying the balance aggressively and paying more than the minimum.


I've tried doing this process, but the results were not great. Am I doing something wrong?

Credit card stacking is a strategy that takes a lot of research and requires you to know what the banks are looking for in an ideal borrower at any given moment, so do not get discouraged if you do not get the results you were hoping for. Fund&Grow has helped over 30,000 entrepreneurs access over $1.4 billion in zero-interest business credit through credit card stacking, so we took the knowledge we've gained from this process since 2007 and created a free business credit masterclass designed to help you overcome this hurdle. In this masterclass, we go over how to acquire up to $250,000 of business credit, properly structure your entity so that banks want to lend to you, ensure your personal credit is positioned correctly for maximum business credit approvals, and so much more. We've made this tool available to entrepreneurs for free, and you can access the training now by clicking here.


Credit card stacking is an excellent way for entrepreneurs to access additional funding for their businesses without spending out-of-pocket. Understanding the tips and tricks associated with this strategy is essential to maximizing your results and receiving the best terms on each credit account.

With research and practice, anyone can use this technique to build their business credit and secure additional financing. However, many individuals do not have the time to dedicate to this process, which is where Fund&Grow can assist. With Fund&Grow, entrepreneurs have access to industry experts who offer a done-for-you service that completes this process from start to finish. 

Additionally, our masterful negotiators are trained and incentivized to get you as much funding as possible, as quickly as possible, so you can spend your time where it matters most - running your business. Whether you hire a professional or complete it on your own, there is something for everyone when it comes to utilizing this form of business financing. 

I take tremendous pride in building positive and lasting relationships in my businesses and personal life. Every member of my team is committed to helping our clients get the maximum amount of funding possible and achieve their highest growth potential.

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