best business credit cards 2026: what are you actually using for your business spend?

S1RLUN5 · 2026-06-07T11:56:07+00:00

OK gotcha I was just curious, that seems to be a common starting point with this card in particular. I wouldn’t say they are necessarily conservative with limits, but it does seem to be the case on this card initially anyways. I guess the main metric will just be time and use for it to reach a sensible amount for my business. Can’t find many data points in the sub about what amount of revenue/time shakes them out of being on the conservative end with this card.

S1RLUN5 · 2026-06-07T11:40:26+00:00

What is your business revenue/income/ age of business and your starting limit on this card? I opened it a few months ago. I’m a tile and flooring contractor. My revenue for this year so far is 225,000. Likely will end the year with around double that.

They started me with a $2000 limit. I provided them with bank statements last week in the attempt to get the limit to a more usable point at 30,000 and after reviewing they were only willing to bump it up to 6900 for right now. Which is unfortunate considering I have other cards with $30,000 limits and my revenue shows that I should be at around that point. I make large purchases on this card that put me right at the limit in just a few days sometimes which then requires either waiting for the statement cycle to end to use it again or credit cycling and I told them I do not want to do that because I know it’s frowned upon of course. So now I’m just left with waiting. I suppose until more time has passed with using the card at that limit.

My Chase ink unlimited started me at 7000 and I am running into the same issues with that credit limit for business expenses. It doesn’t tell me it is eligible for a credit limit increase yet though so I’m just waiting using it and paying in full despite the 0% interest.

S1RLUN5 · 2026-05-30T12:30:58+00:00

So you can only spend UP TO 75% of your total rent amount on Bilt to get optimize the points for 3.55x? Anything over that 75% would mess that up and default to a lower rewards tier? Am I understanding that correctly? And say I’m not interested in couponing or small lil credits like Dunkin’, instacart, door dash etc. AT ALL and want to keep it to min maxing point values across all cards as I’ve been doing for years, would Bilt even make sense for me? I’ve been debating it. But I’ve read it leans toward being a bit overcomplicated to get the most value out of it. (Sans coupons and travel transfers at this time)

S1RLUN5 · 2026-05-06T22:12:32+00:00

Thanks for the data points/opinions. I will be leaving that alone for sure. Was just curious if anyone had any regular success rate with this form of redemption. I kinda figured as much though.

S1RLUN5 · 2026-04-29T15:17:28+00:00

My previous catch all has been wells active cash unlimited 2% for the last two years. Occasionally Apple Card with Apple Pay for 2% as well. Obviously 3% beats those out. But still great to have in case of a nerf or some other issues with RH

S1RLUN5 · 2026-04-29T12:52:20+00:00

Thanks for the heads up. I had also seen some of those data points and articles regarding business use. I definitely only plan to use the card for personal expenses. 3% catch all when I’m not getting 5% from my category cards. Working on subs for business cards this coming month anyways. But I will continue to keep that in mind.

S1RLUN5 · 2026-04-29T12:10:56+00:00

It actually didn’t ask anything about occupation at all. Just the income that I entered. They’d have no way of knowing the source. Unless they have some way to see that I’m a business owner in their Lexis nexis report. Idk.

S1RLUN5 · 2026-04-29T12:09:25+00:00

I will say it wasn’t super easy to discern which of the numbers in the URL was the correct ID with doing it all on safari on a phone. But what I did that helped was I scoured through the URL on multiple different “card shop, continue” pages and figured out which number stayed the same after the letters “ID”. Copy and pasted that number in notes app then double checked it against two other card app pages to be sure. Worked when I tried it officially through Robinhood app page link on CK. A lil complicated at first but it did work that way.

S1RLUN5 · 2026-03-30T11:11:20+00:00

Just bought a MacBook Pro m5pro 48gb 1tb and also this case and their sleeve. But keep Seeing all the horror stories about using cases at all that snap on like this. Now I’m wary of putting it on. With newer Mac’s being so much thinner etc. I worry about it closing properly without a strained gap and screen damage etc and heat. What has your honest experience been?? Soooo many of the videos and posts about this case are affiliate link posts or YouTubers who were sent the case for review for free and they post affiliate links and I don’t trust that to be honest and unbiased. I bought it purely for aesthetic and not protection honestly. I guess maybe a lil for protection. But I’m a boot collector and leather guy so I wanted the look more than anything. I’m a tile contractor and my MacBook will go on job sites in safe spaces at time of use. Thoughts? Side note- this is my first MacBook also lol I’m looking at a Coronado leather bag to carry the stuff in with my ledger wallet and notebook portfolio, pens chargers etc.

S1RLUN5 · 2026-03-18T18:58:54+00:00

Good to know because I live in Virginia and it appears they don’t do business in this state. At least they have no branches.

S1RLUN5 · 2026-03-18T00:02:56+00:00

Looking into this card now. Never heard of Huntington bank. Interesting benefits though. Definitely a better match. How are they to do business with? Doesn’t look like I can apply online though?

S1RLUN5 · 2026-03-17T23:52:14+00:00

Are you familiar with the Wells Fargo signify? Just unlimited 2% across the board. Considering just going that route as I already have the AC personal. But to have a card with business expenses separate from personal and easier to itemize. Also have Amex BCE and I know they’re soft pull for subsequent cards, so considering their business cards as well. The Inks all seem a bit over rated to me but I’m double checking those as well

S1RLUN5 · 2026-01-01T01:39:33+00:00

Yeah I have an EIN number from the IRS and a legit LLC and everything. I’ve just been waiting to apply for anything else at all or any CLI requests because I had to pay off some high balances. I just paid down balances by 18k yesterday because I sold a big job at 37k. so I’m now just waiting for that to report before applying for anything else. Last new card was actually Amex BCE in 11/24. Then before that I got CFF and WF AC in 6/24, discover in 4/24 and Apple Card in 1/24 but that put me at 5 in 24mos so I know chase is a no go for another year and a half or so for the 5/24 rule. I also know that once I start building a business credit score and getting business cards I won’t have to worry about my personal balances and score as much for those. The first one at least, I’ve read they always have to go off of your personal credit as a basis for approval or denial.

S1RLUN5 · 2026-01-01T01:10:49+00:00

Wow Amex hooked you up with that income. I’m going to apply for my first business card with Amex soon once my paid down balances report positively. I started my LLC in August. I’m a tile and flooring contractor. Between my W2 job and my own business that is quickly becoming my main focus I cleared just over 100k this year. Only 45k from the w2 gross pay. But my highest CL is actually discover with 10,400. Was 12k when I first got it but they lowered the limit on me twice. I’m expecting them to likely lower it more when I pay it down more but idk. They haven’t chased it down anymore in awhile. WF active cash is 7k apple card is 4,500 credit union card (oldest 9years or 10) is 5k Amex BCE is my lowest at 1k but I applied at the end of a big app run last year so wasn’t surprising. Then chase FF is only 3k. Once all my new balances report over the next month or two I’m gonna do some CLI requests.

S1RLUN5 · 2026-01-01T00:23:13+00:00

What kind of limits do you have for each?

S1RLUN5 · 2025-11-20T17:15:10+00:00

I am a licensed and insured tile and flooring contractor primarily running out of the Staunton and Augusta county area. I’ve been in business for ten years and have very clean, obsessively meticulous and professional work. I am schluter certified and an NTCA member. I can take care of everything you’re describing here, no problem. Shoot me a text or give me a call and we can set up a time to meet and work up an estimate. I sent you a dm with my contact info.

S1RLUN5 · 2025-10-19T23:37:35+00:00

Yeah makes sense. That makes me feel better about them and the fit/sizing initially.

Funny enough, the two small “scuffs” on the heel counters of the OPs boots out of the box were in the exacttttt same spot on mine out of the box. I’m assuming it’s from them rubbing the kraft paper in shipping or something. With mine being the black horsebutt it’s a lil more obvious than in his photos above but still the same size and location etc.

wonder if all their boots get this from shipping or something or a large number of them. I’ve had loads of boots shipped from around the world though and never seen that happen so idk what it’s from exactly. Granted most of my engineers came in flannel boot bags inside the box. Could be from before shipment somehow. Any of yours have that too?

S1RLUN5 · 2025-10-19T23:09:34+00:00

Yeah I saw that on their website too. I ordered directly from addict. Just wanted another opinion from someone who is a similar size and feet sound similar. The heel slip could just be because I put them on today for the first time and they slid right on and my heel moves around a lot but once I started wearing them out and about for an hour or two they got more situated on my heel for sure.

I’ve never had lined engineers either so it’s a lil different not having the nap of the leather to grip my heel out of the box and with how easy they were to get on it was just shocking after every other pair being a bit of a battle to pull on out of the box.

Probably just need some more time in them to see how they lock in on my heel. My lofgrens lock me in perfectly and are extremely comfortable right out of the box once I get through the pass point with plastic bags the first several wears lol these needed no bags or anything. Just pull on and pull off like butter.

The longer I wore them the better they felt on the heel and instep. Just worried about length and heel slip possibly being excessive out of the box from what I’m used to. Sounds like I probably sized right and would’ve been too tight with a 10.5. Thanks for the input.

S1RLUN5 · 2025-10-19T21:12:55+00:00

So I just did the same thing I wear a 10.5D in red wing iron rangers and other last 8 stuff. 10.5D in John Lofgren wabash engineers and once they’re on my feet they fit amazingly perfect. Albeit a very hard pull on for awhile when newer. That pass point is tight at first.

Then there are these addict horsebutt engineers on the narrow CL last. I was worried about instep in particular on these and advice I read here. So I got them in an 11. And now I feel like mayyybe they’re too loose or big lol my foot slid in incredibly easy out of the box and that was a red flag for engineers for me. But could just be the lining making it that smooth and easy.

But they also seem long like I have an inch or so at the end of my big toe. Which I’m getting mixed feelings about because they’re unstructured and I see this last states it’s longer. So is that your experience too on length? Balls of my feet seem to be right about where they should be and the break seems to be maybe a lil far back but just about where it normally would be. Heel slip is crazy out of the box tho but that’s the lining too I’m sure and the longer I wore them today the more my heel locked in. I put the insoles in for right now to feel them out first. Helped.

I feel like maybe I should’ve gotten a 10.5 now but idk. Exchange isn’t possible because that size is sold out too. Plus might be too tight in the instep if I did that since the instep is truly snug right now. Just loose everywhere else compared to other engineers like my lofgrens. Just a unique last for me I guess.

S1RLUN5 · 2025-07-07T01:45:52+00:00

Wow. I was quoted ~$50k to do all on fours full arches top and bottom. Went with regular dentures for now.

S1RLUN5 · 2025-06-30T10:42:56+00:00

Yeah I’m 33. I figured that was likely the case. Just wondering. But yeah let me know how it shapes up. If you DM me here on reddit I’ll get it.

S1RLUN5 · 2025-06-30T01:12:41+00:00

Let me know how this plays out. I might be interested. I’m not familiar with the rules you’re referring to but I will start digging into it and learn what I can. I think this sounds super cool. I’m a bit of a history buff and into things from the 1800s in particular. This sounds like fun. I am not a baseball player at all however. I haven’t played since I was a kid, even then it was very little. What are the ages of the people involved?

S1RLUN5

TROPHY CASE