Why Business Credit Cards Are a Must-Have for Real Estate Investors
If you’re serious about growing your real estate business, the right business credit cards should be part of your strategy. Here’s why:
Your Credit Score Affects Every Loan
Whether you’re applying for a DSCR loan, a fix and flip loan, or even a HELOC — your credit score matters.
The better your score, the better your terms:
- Higher LTVs = More money available for your deals
- Lower Rates = More cash in your pocket
The #1 Mistake That Hurts Good Credit
Most investors who pay their bills on time still struggle with credit scores. Why?
They use personal credit cards for their business expenses. This creates:
- High credit usage on personal cards
- Lower scores (even if payments are made on time)
- Worse loan terms (or even loan denials)
The Simple Fix: Use the Right Business Credit Cards
Using the right business credit cards solves this problem quickly:
- Many don’t report to your personal credit (unless you stop paying)
- They grow with you — banks often increase limits as you use them more
- They build your business credit, not damage your personal credit
Bonus: Better Personal Loan Approvals
When your business expenses are on a business credit card:
- They don’t show up on your personal credit report
- They don’t affect your debt-to-income ratio when applying for mortgages or other personal loans
The right business credit cards can make investing easier and smarter. They keep your personal credit clean, help you qualify for better loans, and grow with your business.
A small change like this can unlock a lot of new opportunities — without dragging down your score.
Best Business Cards: * Chase * Wells Fargo * Citi Bank * Large Regional Banks
Cards that report to personal. Capital One and Discover.