Can I Get A Business Credit Card Without Owning A Business?

As long as you have good credit, it’s not difficult to get a business credit card, even if you don’t own a big business.

Often, these credit cards offer even better perks and rewards than personal credit cards.

Just make sure you’re truthful in your credit card application.

Do you need a business to get a business credit card?

Well, yes, you do need a business to open a business credit card. In fact, when applying for a business credit card, there will be a section asking what kind of business you own, and also requesting your business tax identification number.

Can you open a business credit card for personal use?

Using a business card for personal purchases can also hurt your personal credit score if you run up the balance so high that you cannot pay the card off. Many issuers require a personal guarantee before approving an applicant for a business credit card, which means the cardholder is personally liable for the debt.

How do I get a business credit card for my business?

Here are 5 steps to qualify for a business credit card:

  • Have a small business with an intent to make a profit.
  • Know your credit score so you know which cards you qualify for.
  • Compare business credit card offers to find the best one for you.
  • Fill out application with your business name and EIN (or your name and SSN).

Do you need to own a business for Chase Ink?

To open a small business card like the Chase Ink Preferred, you do NOT need an Employer Identification Number (EIN). You can apply as a sole proprietorship and use your social security number.