Beyond Surgery: Building a Life on Her Terms

Before the Card

Juggling Personal and Business Finances

For more than 15 years, Jessica Harvey built her career as a physician assistant in surgical practice, enduring long, stressful hours under the demands of surgeons and the healthcare system. Though successful, she lacked autonomy and control over her life.

Hungry for balance, she took a leap: stepping away from surgery to open her own med spa. As a longtime client of aesthetic procedures, Jessica found real joy in the field and, with her medical expertise, had the perfect foundation to thrive in aesthetics.

So Jessica went all-in and launched Minerva Aesthetics. To get the business off the ground, she tapped into her personal checking and savings accounts and even liquidated some of her investments.

The financing fueled her dream, but it came at a cost: the line between personal and business finances disappeared. Dozens of mixed transactions turned accounting into a nightmare, pulling her focus away from what mattered most: her clients.

The Turning Point:

Discovering the AmSpa Business Mastercard

After joining the American Med Spa Association, Jessica came across their newly launched business card.

“The more I read about it, the more I thought — this card is a gem for an aesthetic business owner. The rewards and controls were exactly what I needed to finally put a full stop to mixing personal and business finances.”

Taking a leap of faith, she decided to try her very first business card.

After the Card

Bringing Financial Clarity to Her Practice

Jessica describes the change as nothing short of night-and-day:

• Item-Level Expenditures: No more mystery charges. With the card’s receipt and memo capture feature, Jessica could instantly see not only the merchant but the specific items purchased — giving her unmatched clarity and control over spending.‍
• Greater Buying Power: Building a practice from the ground up often requires upfront investment. With an $11,000 credit line, Jessica could finally make the big upfront purchases needed to grow her clinic quickly and confidently.‍
• Increasing Margins: Already saving through the price advantages of her buying group, Jessica added another layer of profitability with 2.1% cash back on every purchase. This extra margin helps her set more competitive prices for her services.

“Honestly, this isn’t just another credit card — it’s a real business asset. It boosts buying power, increases margins, and cuts costs, all at the same time,” said Jessica.

Jessica’s Advice to Other Med Spa Owners

When asked what advice she’d give to other prospective med spa owners, Jessica didn’t hesitate: invest in your weaknesses.

“I didn’t realize how much I needed to invest in my weaknesses to put this business on the right path. I’m a medical professional through and through, but that doesn’t necessarily translate into running a business — and I learned that the hard way. That’s why I joined the association, leaned on mentors and peers, and partnered with tools like the AmSpa Business Mastercard. Surround yourself with people and partners who are willing to invest in you as an entrepreneur and help you succeed.