Am I eligible to apply for a business card even if I don't have a traditional business?
The short answer is generally yes. Almost anyone can apply for a business credit card. In fact, business credit cards often offer some of the most lucrative welcome bonus offers of any cards in the marketplace.
Even if you only sell items on eBay or Craigslist, you should still qualify for a business card. The only reason business cards are more difficult to get than personal cards is you're typically not instantly approved. If you aren't instantly approved you should call into the bank’s reconsideration line (listed below), and you will have to talk to a real person. Don't be intimidated, it's usually a quick and easy process.
Thrifty Tip #1: If you don't have a registered business use your Social Security Number in the place of the required Employer Identification Number (EIN). Select Sole Proprietorship as the business type as this does not require an EIN. Sole Proprietorship is usually the easiest business type to be approved for.
When calling the reconsideration line a credit analyst will ask you questions about your business such as years in business, number of employees, total revenue, net income, etc. Once they are satisfied with the information you have provided you are typically instantly approved, even if your business makes little to no income.
Who to call if you are not instantly approved:
American Express Credit Card Reconsideration
- 877-399-3083 (new accounts) 8am-midnight EST M-F, 10am-6:30pm Saturday
Barclays Credit Card Reconsideration
- 866-408-4064 (credit analyst) 8am-5pm EST Monday to Friday
Chase Credit Card Reconsideration
- 888-245-0625 (personal credit analyst, 7am-10pm EST M-F; 8am-10pm EST Sat. and 9am-9pm Sun.)
- 800-453-9719 (business credit analyst, 8am-10pm EST M-F)
Citibank Credit Card Reconsideration
- 800-763-9795 (personal and business card application status/analyst) 7am-midnight EST 7 days a week