Credit strategies
35 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.
- Credit
0% Business Credit Stack
Build $100K–$500K of 0% intro-APR unsecured credit.
Interest-free working capital - Credit
Personal 0% APR + Balance-Transfer Arbitrage
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
$30K–$150K of 12–21 month interest-free capital - Credit
Balance-Transfer to Investment Arbitrage
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
2–4% net spread on $20K–$100K borrowed - Credit
2%+ Cashback Floor on Business Spend
Route all business AP through 2%+ cashback cards — permanent margin lift.
2–5% permanent margin lift on OpEx - Credit
Points & Miles as Tax-Free Yield
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
$10K–$50K/yr tax-free travel value - Credit
Signup-Bonus Velocity (5/24, Pop-up, Biz-Card Exemption)
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
$20K–$50K/yr tax-free SUB value - Credit
Employee / AU Card SUB & Category Multiplier
Multiply SUBs and 3–5x category earnings without new hard pulls.
$2K–$10K/yr incremental bonuses per team - Credit
Card-Funded Real Estate Down Payment (Plastiq/Melio)
Pay earnest money, closing costs, or seller with a card at 2.9% fee.
Finance $20K–$100K down payment at ~2.9% for 12–18 mo - Credit
Manufactured Spend via Tax & Bill Payments
Pay estimated taxes, tuition, and munis by card to hit SUBs and status.
0.2–3% net after processor fee, plus SUB velocity - Credit
Card-Bridge for Tax Payments (Invest the Float)
Pay taxes on 0% card; invest freed cash at 5%+ T-bill yield during promo.
$3K–$8K per $100K tax bill bridged - Credit
Corporate Card Float + Vendor Terms Stack
Amex Plum 60-day float + Net-30 vendors = 90-day free working capital.
Replace $50K–$500K working-capital line at 0% cost - Credit
Amex Pay Over Time / Plan-It Bridge
Convert charge-card balances to fixed low-APR installments — no hard pull.
Access $5K–$50K bridge at 6–10% APR-equiv, no hard pull - Credit
Card-Linked LOC Draws (Skip the Cash-Advance Fee)
Fundbox / Kabbage / SBLOC draws priced against card limits — no 5% cash-advance fee.
Save 3–5% upfront + 10–20% APR vs cash advance - Credit
Plastiq / Melio Rent & Mortgage on Card
Pay landlords, mortgages, and vendors that don't take cards — for a 2.9% fee.
Net 0.5–4% after fee when stacked with SUBs/multipliers - Credit
Chase Ink Trifecta (Cash + Unlimited + Preferred)
Stack three Chase business cards for effective 4–5x on every dollar via UR transfer partners.
$3K–$8K/yr in effective rewards on $100K spend + $2.7K in SUBs - Credit
Amex MR Transfer Partner Arbitrage
Turn 1¢ Membership Rewards into 5–8¢ via Aeroplan, ANA, and Virgin sweet spots.
5–8x on redemption vs 1x cash-back - Credit
Amex Statement-Credit Meta-Stacking
Extract $2K+ of statement credits from Amex Platinum's $695 fee — net positive every year.
$500–$1,500 net positive per card per year - Credit
Bilt Rewards Card (Points on Rent)
The only card that earns transferable points on rent — no landlord fee.
$500–$1,500/yr of transferable points on rent that were previously $0 - Credit
Authorized-User Tradelines (Credit Piggybacking)
Add yourself (or be added) to a seasoned card to inherit 15+ years of on-time history.
40–120 FICO point jump = $50K–$200K lifetime interest savings - Credit
Amex Charge Card No-Preset-Limit for Large Purchases
Push $50K–$500K single purchases through a charge card with no fixed limit.
Earn 1–5x on $50K–$500K single tickets = $500–$25K/purchase - Credit
Chase Freedom Flex 5x Rotating Categories
5% back on $1,500/qtr of rotating categories — $300/yr with 3 minutes of activation.
$300–$750/yr per card with UR conversion - Credit
Brex / Ramp / Mercury Corporate Card 1.5% + 30-Day Float
Startup/business charge cards with 1.5–2% back, no personal guarantee, 30-day float.
$1.5–$10K/yr rewards + protect personal FICO + 30-day A/P float - Credit
0% APR Purchase Card → T-Bill Arbitrage
Charge everyday spend on 0% APR while cash earns 5% in T-bills — pocket the spread.
$1,000–$3,500 on $20K–$40K of deferred spend per 18-mo window - Credit
Amazon Business Prime Card + 90-Day Terms
5% back on Amazon + 90-day net terms — free vendor float for ecommerce.
90-day free float on 100% of Amazon spend + $2K–$20K annual rewards - Credit
HSA/FSA Card + Rewards Card Reimbursement Double-Dip
Pay medical bills on a rewards card, then reimburse yourself from the HSA — earn points AND deduct.
$120–$500/yr of rewards on previously-unrewarded medical spend - Credit
Quarterly Estimated Tax Payments on Card (Pay1040 / ACI)
1.82–1.87% fee to pay IRS on card — profitable only when SUB or 2%+ back.
Net 0.15–2.5% after fee on tax spend = $75–$12,500/yr - Credit
LLC-Per-Brand Business Card SUB Farming
Multiple LLCs unlock multiple Chase Ink SUBs — legally.
$3K–$6K/yr in Chase Ink SUBs across genuine brands - Credit
Annual Insurance Remarket via Independent Broker
Force competing quotes every 12 mo — cut premiums 15–40% without changing coverage.
$800–$5,000/yr on personal, $2K–$50K/yr on SMB - Credit
Grocery Cashback Stack (Ibotta + Fetch + Card 6x)
Layer receipt apps + 6x grocery card = 12–20% effective off groceries.
$1,500–$2,400/yr on $12K grocery spend - Credit
MVNO Cell Plan Arbitrage (Mint / US Mobile / Visible)
Same Verizon/T-Mo/AT&T network for $15–$25/mo instead of $80.
$1,200–$3,100/yr per household - Credit
Subscription Audit & Negotiation (Rocket Money / Trim)
AI/human agents renegotiate cable, cell, and streaming — 20–40% cut.
$500–$2,000/yr per household - Credit
Costco Executive + Citi Costco Visa Combo
Effective 6–8% back on gas, 4% on dining, 3% on travel — one warehouse membership.
$700–$1,200/yr net after membership fees - Credit
Business Credit Stack Without Personal Guarantee (Nav / Divvy / Ramp)
Build $250K–$1M in business credit lines without PG using vendor tradelines + no-PG cards + Divvy/Ramp.
$250K–$1M business credit access without personal risk - Credit
Dun & Bradstreet PAYDEX 80+ Building Playbook
Systematically build a D&B PAYDEX 80+ score in 60–90 days to unlock enterprise lending and gov contracts.
Unlocks $250K+ enterprise credit access - Credit
Multi-LLC Corporate Credit Stack (Layered Entities)
Establish 3–5 LLCs, build independent credit on each, aggregate $500K–$2M in business credit without cross-liability.
$500K–$2M credit aggregate + true entity separation