Credit Cards for Business Funding

Master the credit stacking strategy to access $100K-$250K in business capital

$250K
Potential Access
0% APR
Intro Periods
5-10
Cards Optimal

The Credit Stacking Strategy

What is Credit Stacking?

Credit stacking is strategically applying for multiple business credit cards within a short timeframe (typically 1-3 months) to maximize your available credit before the inquiries impact your score.

The Key: Credit bureaus take 30-60 days to update your credit report. During this window, you can apply for multiple cards that all see the same "clean" credit report.

How Much Can You Get?

Credit Score: 720+
8-12 cards
$150K-$250K
Credit Score: 680-719
6-8 cards
$100K-$150K
Credit Score: 640-679
4-6 cards
$50K-$100K
Credit Score: 600-639
3-5 cards
$25K-$50K

Best Cards for Business Funding

Chase Ink Business Preferred

Limit: $5K-$50KAPR: 0% for 12 months
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Signup Bonus

$750 signup bonus

Best For

High limits, excellent for large purchases

American Express Blue Business Plus

Limit: $5K-$50KAPR: 0% for 12 months
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Signup Bonus

$250 signup bonus

Best For

No annual fee, great for everyday spending

Capital One Spark Cash

Limit: $10K-$50KAPR: 0% for 12 months
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Signup Bonus

2% cash back

Best For

Highest approval rates, good for new businesses

Brex Corporate Card

Limit: $10K-$500K+APR: No interest (charge card)
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Signup Bonus

7x on rideshare

Best For

Highest limits for qualified businesses

US Bank Business Cash Rewards

Limit: $5K-$25KAPR: 0% for 12 months
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Signup Bonus

$500 signup bonus

Best For

Easy approval, solid limits

Strategic Application Timeline

1

Apply for 2-3 Chase cards

Day 1

Chase has the 5/24 rule - do them first

2

Apply for 1-2 American Express cards

Day 2-3

AmEx is inquiry-sensitive, go early

3

Apply for Capital One, US Bank, Wells Fargo

Day 4-7

More lenient, can handle more inquiries

4

Apply for Brex, Divvy, Ramp (fintech cards)

Day 14-30

These use different criteria, less affected by inquiries

5

Request credit limit increases

Day 60+

After cards report, boost your limits

Pro Tips for Success

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DO: Apply All at Once

Submit applications within 1-2 weeks to minimize inquiry impact

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DON'T: Spread Out Applications

Waiting 30+ days between cards costs you opportunities

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DO: Use 0% APR Wisely

Deploy capital immediately while intro rates last

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DON'T: Max Out Cards

Keep utilization under 30% to maintain credit score

✅

DO: Pay Minimums on Time

Never miss a payment during 0% APR period

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DON'T: Close Cards Early

Keep accounts open to maintain available credit

Ready to Stack Your Business Credit?

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