Best Credit Cards (How We Earn An Extra $2,000 Per Year)

Credit Cards

A few years ago, I came to the painful realization that my credit card habits had cost me well over $10,000 up to that point!

Up until a few years ago, I had just a single credit card in my wallet. I put all of my purchases on that card, and paid it off each month. I was getting something like 0.25% cash back, which arrived at the end of each year as a small statement credit.

This was the first card that launched our journey into credit card rewards. A few years ago, we earned 50,000 points by spending $4,000 within the first 3 months.

Chase Sapphire Preferred® Card – 60,000 Points

Many people think you have to have a large business with hundreds of thousands in revenue, an LLC, and tax ID number to apply for a business credit card, but that’s not true.

Chase Ink Business Preferred® Credit Card – 100,000 Points

Chase Ink Business Unlimited® Credit Card – $900 Bonus Cash Back

If you’re looking for a card with no annual fee and just straight cash back, the Chase Ink Business Unlimited® Credit Card might be for you.  With this card, you get $900 bonus cash back after you spend $6,000 within the first 3 months of opening your account.

It offers a welcome bonus of 60,000 miles after spending $3,000 within the first 3 months of account opening. There is a $95 annual fee, but it is waived the first year.

Capital One Venture Rewards – 60,000 Points

In our experience, the best way to start earning your way to the welcome bonus is to put all of your normal spending on that one card. If you’re like us, you have 6 or 7 (or 15) bills that autopay every month from the same credit card.

How We Meet Welcome Bonus Requirements (and Earn 20%+ Cash Back!)

Another way I like to think about credit card rewards (particularly the welcome bonuses) is by the percent cash back I’m getting for every dollar spent.

So What About That 20% Cash Back?

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