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Maximize Your Business Expenses with Credit Card Points: A Game-Changing Travel Hack

For entrepreneurs, managing business expenses is a daily task. But what if you could turn those routine expenses into first-class flights and luxury experiences? Here's how you can unlock serious value with a credit card points hack that savvy entrepreneurs are using to their advantage.

Before we even get into the nitty gritty, here’s an example of how you can save 80%+ by adding a small extra step

This non-stop flight from Dublin to NYC is 345K points on Amex travel

vs. 60K points on Aer Lingus

Let’s break down these big savings in 3 parts. ↓

The Key: Use a Business Credit Card

When your business starts spending on essentials like advertising, equipment, travel, or meals, the best thing you can do is put all of those expenses on a business credit card. Why? Because credit card points, when used strategically, can be a form of free money. You can legally use the points earned through your business spending for personal rewards—whether for yourself or your family.

But there's one major rule: Pay off your balance every month. Credit cards are a bad deal if you're borrowing money and getting into debt. But if you pay them off in full, the points you earn are essentially free value.

Move All Business Expenses to Credit Cards

Start by funneling all your business expenses through your credit card. Even if some of your suppliers or service providers don't list credit cards as a payment option, it’s worth asking them. You’d be surprised at how many may accept credit cards without additional fees. However, avoid paying expenses with high surcharges that negate the points benefits.

For businesses with large variable expenses like Google or Facebook ad campaigns, you can easily rack up hundreds of thousands of points. But the real magic comes in how you use them.

The Biggest Mistake People Make

Most people book travel directly through their credit card's travel rewards platform. This is a huge mistake! The key to maximizing your points is transferring them to a travel partner for much better value.

Big Savings in Action:

In one instance, Ankur managed to book a first-class flight on Emirates worth $10,000 for only 120,000 Amex points, which would otherwise be worth $1,200. Instead of booking directly through the Amex travel rewards site (which would have charged him 400,000 points for a $4,000 business class ticket), Ankur transferred his points directly to Emirates and booked a first-class ticket at a massive discount.

How to Get Started

1. Apply for a business credit card that offers flexible points programs like American Express, Chase, or Capital One.

2. Move all your business expenses to this card—from digital advertising to office supplies to travel.

3. Transfer your points to travel partners rather than redeeming them directly through your credit card's portal. Many airlines and hotels offer much better conversion rates than simply using points through your credit card company.

A Final Tip: Treat Credit Cards Responsibly

The power of this hack lies in avoiding debt. Always pay off your credit card balance in full each month. Credit card debt can quickly wipe out any rewards you gain, so discipline is key.

By using this strategy, you can earn points quickly while making purchases your business needs anyway. Then, use those points to unlock luxurious travel and experiences—without paying the full price. You can turn routine business expenses into first-class flights, high-end hotels, and more.

This strategy not only helps maximize your business spending but also creates opportunities to enjoy luxury experiences at a fraction of the cost. Why leave money on the table when you can fly first class for less? Start today and see the rewards roll in. p.s. we made a course that can help with this that we’re giving away (it’s typically $299 but we’re giving it away FOR FREE for 24 hours only.

What’s Happening at Carry?

Here’s what you can expect in the coming weeks

See the full list of events here. ⏰

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If you want more resourceson building wealth as a solopreneur/entrepreneur, check these out:

• The Solo 401k handbook

• The Roth IRA handbook

• The Self-Directed IRA handbook

• The Guide to Paying Less in Taxes

• What is a Solo 401k?

• How to Open a Solo 401k