In short…

 

Credit card stacking is the strategy of applying for multiple credit cards in a specific order to access a larger unsecured line of credit than individual small business credit cards can offer.

Business owners use the credit card stacking method if they can’t qualify for traditional financing like lines of credit, business loans etc due to lack of financials or revenue requirements or if a credit card’s credit limit is insufficient for covering their business’s immediate funding needs. When used carefully, credit card stacking can be a valuable strategy for funding your business.

Here is how it works:

1. The stacking company reviews your personal credit scores, income and other relevant qualifications to identify cards for which you are likely to qualify. Your personal credit scores typically need to be at least 680 or above to get qualify for most credit cards, and it’s worth noting that approval is not guaranteed.
2. Credit card stackers will provide guidance or assistance as you apply for multiple credit cards; often 5 to 15 or more. Usually with their underwriting relationship with these lenders, they can vouch and request a higher limit compare to applying on your own.
3. They will often target business credit cards over personal credit cards because most business credit cards don’t show up on your personal credit reports as long as you make the payments on time. This can protect your personal credit scores from high utilization (a high balance compared to the credit limit.)
4. For financing purposes, they may also focus on cards with the lowest APR including 0% intro APR credit cards for the first six to 18 months.
5. Once you are approved and the credit cards are issued, you can use them as the business line of credit. If you need to get cash out of the credit line, they will also teach you how to do that without incurring a cash advance fees.

 

So What Are The Benefits of Credit Card Stacking

 

1. Minimize Personal Credit Impact

By strategically submitting applications, credit card stacking firms may be able to help avoid immediate negative impact to personal credit scores. For example, they may try to help you apply for multiple cards at one time so that the hard inquiries on your credit files don’t impact your personal credit history until after you approved. Their experience may help you decrease the chances of getting turned down because the process is tailored to your specific needs and qualifications.

2. Credit Card Stacking For Increased Rewards + Higher Limits

Some business owners use multiple credit cards to get credit card welcome bonuses. Businesses with significant spending may be able to get sign up bonuses in the form of cash back and travel miles or points. These rewards can be lucrative, but interest costs can be significant if you carry a balance.

We also see higher limit approvals of up to 3x by applying for a business credit card vs personal credit cards

3. Better Budgeting

Some small business owners find multiple credit cards helpful in their entrepreneurial endeavors. For example, they may use different business credit cards for different types of purchases, or for certain projects to better track spending.

4. Increased Flexibility

When you have just one credit card or line of credit, there’s a risk that the lender could close it for any number of reasons. When you have multiple credit cards, you have more flexibility because you diversify your sources of financing.

5. Unsecured, Cheap & Doesn’t Report on Personal Credit

Lastly, this is my favorite. The credit lines are unsecured meaning there’s no collateral required to get approve as compared to traditional financing. It’s also cheap, meaning there are 0% introductory rate offers on certain credit cards that you can take advantage of as investors or business owner. (Do make sure you are responsible with your finances prior to taking advantage of this feature)

Pros & Cons of Credit Card Stacking

What Are Some Tips for Credit Card Stacking?

When it comes to credit card stacking, there are some essential tips that entrepreneurs should keep in mind to ensure they optimize their accounts properly:

1. Always pay off any balances on time; late payments will incur fees that could negate any benefit from utilizing the cards.
2. Try not to mix personal and business expenses on the same cards; this will make tracking your spending much easier at tax time.
3. If possible, use direct deposit when paying off balances so you don’t have to worry about missing payments due to mail delays or other issues that may arise.

When Is Credit Card Stacking a Good Idea?

Business owners that don’t qualify for traditional small business loans, SBA loans, business lines of credit, or working capital loans may benefit from credit stacking. Additionally, small companies or low-revenue businesses that have yet to accumulate assets and are unable to qualify for a traditional small business loan may want to consider this option.

It can be a good way to get money quickly — you can usually get approved and receive your cards within seven to 10 business days.

How can Our Credit Funding Program Help You?

While applying for credit cards seems like a seem less and easy process, Credit card stacking is a strategy that takes a lot of research and requires you to know what the banks are looking for in an ideal borrower at any given moment, so do not get discouraged if you do not get the results you were hoping for.

Our experts navigate the lending landscape to secure up to $250,000 in unsecured business credit cards, with a specialty in converting these into cash lines of credit at 0% interest for 12-18 months. This approach bypasses cash advance fees, ensuring safe and cost-effective financing. Available through major and regional banks, these credit lines are designed not to affect your personal credit, require no collateral, equity sacrifices, complex financial statements, or high-interest rates.

Through these channels, members learn how to maximize their credit limits to grow businesses from the ground up with tens of thousands of dollars in credit.

✅ Unlock $50,000-$250,000+ In Funding at 0% Interest For a New Business, Current Business, or Real Estate

✅ Our team will develop a roadmap and strategies focus on optimizing your credit to position you to acquire the most amount of funding (Yes, you will get assign to a personal Account Manager that handles all inquiries and funding approach)

✅ Structure your business and business credit profile to be lendable (done-with-you)

✅ Set actionable steps to optimize your credit score (if needed)

✅ Strategic relationship with the banks to get larger credit lines

✅ Receive a custom funding plan from our funding specialists based on the thousands of data points we have from thousands of clients we have helped

✅ Use “bureau stacking” to maximize funding Apply with our lending partners for pre-qualified offers & pre-approvals (no impact to credit score)