Business Credit Card

[mkblinzler]

I have a small business and am looking at getting a SW business credit card. If I get the card now and earn the 60k in miles it goes toward the 110k but I would have to earn the balance in miles/reward spending by 12/31/17 for the Companion Pass. Correct?

If so, isn't it better for me to apply for the card in January 2018?

thanks

[TheMiddleSeat · Accepted solution]

Yes and yes.

[mkblinzler]

Thank you very much TheMiddleSeat.

I wanted to make sure I understood correctly and you answered it.

[Haipham2017 · Accepted solution]

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@mkblinzler wrote:

I have a small business and am looking at getting a SW business credit card. If I get the card now and earn the 60k in miles it goes toward the 110k but I would have to earn the balance in miles/reward spending by 12/31/17 for the Companion Pass. Correct?

If so, isn't it better for me to apply for the card in January 2018?

thanks

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Yes, but you also can apply the SW personal card too. By applying begin of the year you would have almost 2 years with companion pass. By the way, you can apply by mid-December since the time the credit post it would be in January.

[mkblinzler]

THANK YOU all for your help!

[DancingDavidE · Accepted solution]

@mkblinzlerunless you think you may spend $50k for your business in the remainder of the year, or earn 50,000 points by spending plus flights, then why wait?

(For example $5k of flights x6 points and just a $20k of other business spending...there's a lot of variables that can affect the ratios.)

Especially if you plan to earn CP annually after this, you might as well get it sooner. Earning in January/February is great but the extra portion of a year is academic if you'd be earning CP every year anyway.

Waiting is good only if you don't think you'd otherwise make it every year anyway.