How to Money · Monday, September 14, 2026
Jacob is planning a $35,000 bathroom remodel and wants to maximize credit card points and bonuses by using a new credit card for expenses, which he'll pay off in full. The hosts recommend opening a business credit card for potentially sweeter welcome offers and suggest exploring options like Swagbucks or Rakuten for additional cashback at retailers like Home Depot. They also advise Jacob to ensure his contractor is amenable to using a credit card for payments or that the contractor's discounts don't outweigh potential rewards.
“What you think, Joel? What should Jacob do? How should he spend or how should he pay for a lot of this?”
“It would be even better, Jacob, to sign up for a business credit card because those welcome offers are even sweeter. And all you got to do is punch in your social. and all of a sudden you're going to be Jacob General Contracting because you're literally going to be doing the work of a business here on the side.”
“But when you look at it, swag bucks in certain categories on Home Depot, you're talking about 8% cash back. That's not nothing, especially if you're like, I'm getting a fridge, I'm getting these like eight of these $ 200 toilets that Matt talked about, and so I'm spending lots of money at Home Depot, then yeah, I mean, snag you the free cash back.”