Can I Get a Business Credit Card?

Pam

Without a doubt, if you can get a business credit card, you will get more credit card points and miles for travel. When you first think about business credit cards, you may think that only thriving, “real” businesses can get a business credit card. Not so. The question, “can I get a business credit card?” is probably a more straightforward “yes!” than you would initially think.

 

Pros of Business Cards

Here are some of the reasons you will want to consider getting a business card if you are planning to be in the points and miles game for the long haul:

  • Business cards do not count against your 5/24 status.
  • Your stockpile of points/miles will really grow when you can also get business cards.

 

Cons of Business Cards

  • A higher minimum spend is usually required. This makes the holidays, vacation travel payments when you don’t have enough points/miles, or a time when you have to make a big purchase (tires, dental expenses, medical expenses, etc.) the perfect time to get one.
  • Sometimes they are harder to get approvals for, and you may need to send in additional information, but it is usually as simple as an address or social security verification. Recently, with the high bonus increase on the Chase Ink cards, we have seen an unprecedented amount of instant approvals.

 

Tires

Purchasing new tires is a great time to open up a business credit card.

Can I Get a Business Card?

Yes! You can! You don’t need that huge business to get a business credit card. Here are some ideas of businesses that you might not have thought of that you could count as a business, and NOW is the time to start a new business.

  • Selling items on Facebook Marketplace or eBay
  • Babysitting
  • Dog Walking
  • MLM sales
  • Blogger
  • Social media influencer
  • Consulting
  • Tutoring
  • Rental Properties
  • Personal Shopper
  • Etsy Shop
  • Reselling Items
  • Lyft or Uber driver
  • Photographer

 

Woman working on computer

Have you always wanted to start a blog? That new business could get you a business credit card!

 

How to Apply for a Business Credit Card

We have a whole post on how to apply for a business credit card.  I usually apply for an EIN (Employee Identification Number). It is free from the IRS and gives my business more credibility (in my mind, anyway). It takes 5 minutes to apply for, and you receive it immediately if you want to go that route.

You can also apply with your Social Security number as a sole proprietor. Many people go that route.

 

Meeting Business Card Minimum Spend

People often wonder about putting personal expenses on business cards, which we do all the time to meet minimum spend! It does say on the T&C to use them for business expenses only, so do what you feel comfortable with. We have had no issues in our experiences.

We have also had many readers who are accountants say that it is fine. I do keep my actual business expenses on a spreadsheet for tax purposes to help at tax time.

 

Great Business Credit Cards

It will be no surprise to you that our favorite business credit cards earn Ultimate Rewards. We love the flexibility of this currency, so we are always trying to earn more. Without a doubt, the Chase Ink Business Cards are the ones I’d apply for first. The good news is that there is no annual fee for them, too. Right now, the top two cards are offering the highest welcome offers ever at 90K points. Here are how you can use those points for flights or hotel stays.

Here are some other great credit cards that I recommend. They have higher annual fees, but the benefits often reduce that amount. I would also recommend business cards from your favorite airlines.

 

Bottom Line

People are always asking us how we get so many points/miles to use for all of our travels. Business credit cards are a huge reason that we have so many points/miles to use. If you are wanting to travel with a family, they can really increase your stockpile quickly. With the increased ease of approvals for the Chase Ink Business cards, NOW is the time to apply for your first business card!

Woman working on computer at desk

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