Multiply SUBs and 3–5x category earnings without new hard pulls.
Issuing employee cards on business accounts (Amex, Chase Ink, Ramp, Brex) can unlock bonus SUBs ($250–$500 per employee card issued and used) plus multiplied category earning caps. Authorized users on personal cards can occasionally trigger referral or spend bonuses. Zero new hard inquiries. Best when the business genuinely has team spend to route.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.
Pay estimated taxes, tuition, and munis by card to hit SUBs and status.