Video Sunday Reader Question: Meeting Business Credit Card Spend Requirements

Apr 29, 2012

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Update: Some offers mentioned below are no longer available – View the current offers here – American Express® Business Gold Card

TPG reader Kevin asks:

“I recently applied for an American Express small business credit card and I have to reach the $10,000 minimum spend in several months. I’ve read your post on clever ways to reach the minimum spend bonus, but I’m unclear on if the strategy differs on personal or small business cards. If I’m the sole propitiator for a business, are there certain personal spends I can’t make? This is my first business card, so I’m worried groceries/smaller personal purchases would prompt a Fraud Report from Amex.”

As you see in the video, there’s no need to be nervous. It’s true, you don’t want to trigger a financial investigation from Amex, but a business card is basically the same thing as a personal card, and it doesn’t matter what expenses you put on it. Obviously don’t to anything shady, and for your own accounting purposes, you might want to keep your business and personal expenses separate, but from the perspective of meeting minimum spending requirements Amex doesn’t care.

For instance, I got the Amex Business Gold card for business earlier this year and had to hit $10,000 for the full point bonus, so I put some personal expenses on it to do so, and for my own accounting, I just made sure to notate that it was a personal expense. But there is no problem putting these expenses on your card. If you play by the rules and don’t put anything shady on the card–Amex will even let you buy Amex gift cards and count these purchases toward your minimum spending requirement–you should have no problems.

If you need more minimum spend ideas, check out this post.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the 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.