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In this tutorial, the speaker explains how to fill out an American Express small business credit card application. They highlight that business credit cards differ from personal credit cards, noting that many banks do not report business credit activities to personal credit reports. This can be advantageous for individuals starting small businesses or side hustles. The speaker shares a relevant case study involving an artist who needed to finance a purchase order for clothing and apparel, emphasizing that fulfilling pre-orders can generate sufficient funds to cover initial expenses and yield a profit.