Credit Cards for Real Estate Investing

Credit cards aren’t just for everyday purchases. They can be a powerful funding tool for real estate investors when used correctly.

The right strategy can help you keep projects on track and maximize cash flow. Better yet, you can even earn rewards while doing it.

Using and managing credit cards with a purpose is the key to success.

Why Credit Cards?

Perfect for funds on demand (available funds).
Only need to be paid when and if you use them.
Help fund your dreams and keep projects moving forward.
Keep your escrow funds flowing.
Keep contractors working by allowing you to preorder materials.
Pay contractors even if they don’t accept cards.
Cover unexpected rehab expenses without tapping into cash reserves.

Credit cards are one of the most widely accepted and available sources in the money market. When used right with other funding sources from “Your Money Bucket,” you keep projects rolling, saving you time and stress.

You can get projects done on time and on the market as expected.

Bonus, if you have rewards, you get to enjoy the benefits while your project hums along.

Pro-Level Credit Card Strategies for Investors

Rule #1: Always Pay Off Your Cards: Using credit cards for investing is smart—if you clear the balance when you sell the property. Carrying a balance can eat away at your profits.
Always have two types of cards:
- 0% Intro APR Cards: Best for long holds & bigger expenses.
- Reward Cards: Get cash back, points, or miles on every dollar spent.
Start building business credit today: More access to funds, better terms, and higher limits over time.

Ideally, you should have a full Money Bucket of available funds for each project. A proper Money Bucket includes cash, cards, lines of credit, and real OPM.

Our list of top business cards.

Our list of top 0% introductory cards.

Our list of top cards to start building your credit.

Our list of top cash back cards.