The Rich Somers Report Top Business Credit Cards & the Hidden Strategies No One Talks About | Jack McColl E434
Dec 9, 2025
In this engaging discussion, Jack McColl, a business credit and travel-hacking expert, reveals game-changing strategies for unlocking 0% business funding and stacking credit. He shares insights on turning credit cards into cash and travel perks, plus the biggest lies banks tell about credit. Learn how to fly first class to exotic locations for almost nothing, and discover the hacks to maximize points for premium travel. Jack emphasizes the power of leveraging 0% business credit as free capital to scale your entrepreneurial ventures.
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Build A Customized Personal Credit Profile
- Do build a customized personal credit profile and strategic bank relationships to unlock large 0% business credit limits.
- Aim for collective personal credit limits of $40k–$80k and strong relationships with Chase, BOFA, Wells, and AmEx.
Stack And Consolidate BOFA Cards For Max 0%
- Do apply to several Bank of America business cards then call to consolidate limits onto one card for higher 0% funding.
- Use a BOFA business checking and show 90 days of revenue before applying to improve approval odds.
Extend 0% Periods Using A Business Line
- If you can't pay a 0% card before it expires, borrow from a business line of credit to pay it down and then move available credit to a new 0% card.
- Repeat the process to extend 0% funding across multiple years.