Can individuals apply for business credit cards?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
3 posts
Gold Member
Gold Member
Posts: 49
Joined: Sun Mar 31, 2013 2:22 pm
Location: USA

Can individuals apply for business credit cards?

Postby Luxe » Mon Apr 15, 2013 11:54 am

What do they look for? Can I have a business with $0 revenue and back it with my personal income, or is that automatically going to get rejected?

Centurion Member
Centurion Member
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Mon Apr 15, 2013 12:15 pm

Yes you can. Google it.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

Centurion Member
Centurion Member
Posts: 151
Joined: Thu Apr 17, 2008 6:52 pm
Location: Austin, TX

Postby CCG » Tue Apr 16, 2013 12:56 pm

Yes, individuals can apply for small business cards even if they do not have a corporation or LLC.

When you apply as an individual, you're applying as a sole proprietor.

When you do that your business name will be the same as your legal name. For example if your name was Wayne Smith, you would also enter that for the business name field on the application.

For your tax ID number, since you are applying as an individual it will be your Social Security number.

The best part about business credit cards is they generally have higher rewards than personal cards. The reasons for this are (a) it costs merchants more to process them, and (b) account holders of these types of cards usually charge more.

Check out my article about Ink Plus versus Ink Bold. In it I talk about applying as an individual.

Good luck!

Return to “Rewards”

Who is online

Users browsing this forum: No registered users and 3 guests