If you’re running a business and still swiping your debit card for everything, you might be leaving serious benefits on the table—and I know because I did it for years. In this episode, I’m kicking off a brand-new finance series by breaking down how I use business credit cards as a strategic tool—not for debt, but for smarter spending, better cash flow visibility, and real rewards that actually support my life and business.
I’m walking you through exactly how I think about credit cards, the specific cards I’ve used, why I upgraded, and how I’ve earned over $1,500 in travel just from business expenses I was already making.
Key Takeaways:
Clocking In with Haylee Gaffin is produced by Gaffin Creative, a podcast production company for creative entrepreneurs. Learn more about our services at Gaffincreative.com, plus you’ll also find resources, show notes, and more for the Clocking In Podcast.
Find It Quickly:
Credit card responsibility and reminders (2:52)
My business credit card timeline (5:34)
The first business card: Capital One Spark (6:41)
What actually goes on my business card (8:41)
Why I eventually upgraded my card (9:46)
Why I chose the Venture X Business card (13:16)
Key benefits of the Venture X Business card (15:20)
How I actually use my points (17:55)
Important reminder about credit cards (20:05)
Mentioned in this Episode:
Capital One Venture X or Spark Business Card Referral: i.capitalone.com/JBrXMOh4V
Capital One Venture X Personal Card Referral Link: i.capitalone.com/Jf35yyJyX
Episode 152 What My Year Of Investing In My Business Looked LIke: gaffincreative.com/152-what-my-year-of-investing-in-my-business-looked-like
196: How I Invested in My Podcast Agency in 2025: gaffincreative.com/196-how-i-invested-in-my-podcast-agency-in-2025
Connect with Haylee:
Soundboard Society: gaffincreative.com/soundboard
Instagram: instagram.com/hayleegaffin
Website: gaffincreative.com
Transcript: https://share.descript.com/view/977wqALzQmi
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