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In Points Intervention, I help people get their awards earning on track. This month I’m working with small-business owners — just in time for them to take advantage of the Chase Ink Plus Business card’s current offer of 50,000 bonus points after a spend of $5,000 within the first three months.

Intervention: Christophe Carón Episode 3

This week I am working with Christophe Carón, owner and manager of Délice and Sarrasin, a crêperie in the West Village in New York City. He wants to choose the right business credit card for his spending and traveling patterns to maximize the accrual of points and miles, as well as benefits for his business.

In yesterday’s video, I recommended a few credit card choices that might be best for Christophe and his business, including one that gives him a percentage of cash back for every dollar he spends on the card.

Wouldn’t it be great if Christophe could use that cash-back credit card to pay all of his bills so he can get cash back for the considerable amount of spending that is required for a new business?

Christophe laments that when he pays bills online, he has to do an Automated Clearing House (ACH) transaction in which he transfers money from a bank account, instead of charging the bill to his credit card, otherwise the vendor will charge him a fee.

To Charge or Not?

I help him work out the numbers to determine whether or not the fee is worth it. With the Capital One Spark Business Card, he would be getting 2% back on his spending, so if the fee is less than that, he would still benefit. If the fee is the same, there are still advantages to using a credit card versus an ACH transaction or (gasp) mailing a check:

  • With a credit card, you have purchase protection.
  • Paying all your bills with a credit card can organize your spending better, since many companies give you analytics and spending reports.

points intervention
It Never Hurts to Ask

I can’t say this enough: It never hurts to ask for what you want. Some vendors will try to charge you a fee for paying with a credit card, but you can always ask them to waive the fee. If they want your business, they just might eat that cost themselves.

Speaking of eating, if you’re in the West Village anytime soon, Christophe recommends the kale, scallops and coriander galette — the number one item on the menu at Délice and Sarrasin!

After this high-level conversation about utilizing the right credit card for his business, Christophe might have more questions, but at least he’s off to a good start.

If you missed the previous episodes of our conversation, visit them here:

Episode 1: Saving on Foreign Transaction Fees
Episode 2: Using a Cash-Back Business Credit Card

And if you or your small business needs a Points Intervention, email

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.