Do I have to have a business to get a business credit card?

Good question. Yes, you do need to have a business, but the definition of a business is pretty flexible. If you’re a freelance writer, a part-time musician, or if you sell stuff on eBay, you can qualify for a business credit card.

Do I need a business credit card?

Business credit cards are a convenient way to make purchases, but just like personal credit cards, they can also be expensive. They don’t have the same protections as consumer credit cards do, either. On the other hand, they have higher credit limits, and they help keep business and personal expenses separate, which will come in handy when it’s time to file your taxes.

How do I apply for a business credit card?

You’ll need all the standard information you would need to apply for any credit card, plus you’ll need either your federal identification tax number or, if you’re a sole propreitor, your social security number. You’ll need to list the type of business, how it’s structured, estimated revenue and number of employees (it’s fine if you don’t have any).

Gail Kellner

Best Business Credit Card Signup Bonuses for February 2023

January 30, 2023 by Gail Kellner

There are a ton of great business credit cards to choose from. But one way a credit card can stand out from others is by offering an excellent welcome bonus. Here’s our list of the best business credit card signup bonuses available in February 2023. Plus, a list of ways to help you choose a […]

Citi® Double Cash Card – 18 month BT offer vs. Discover It® Cash Back Credit Card

January 27, 2023 by Gail Kellner

Welcome Bonus Neither the nor the are offering a welcome bonus at this time. However, the does offer a year-end bonus of sorts, but we’ll get to that. For now, it’s a tie because neither card has a signup bonus. Cash Back Rewards pays 1% cash back when you make a purchase and 1% cash […]

Chase Sapphire Preferred® Card vs. Blue Cash Preferred® Card from American Express

January 26, 2023 by Gail Kellner

Welcome Bonus offers bonus points when you spend $ in the first months. These points are worth $750 if you redeem them for travel through the Chase Ultimate Rewards portal, and they could be worth even more if you transfer them to Chase’s travel partners. The currently offers $ cash back when you spend $ […]

Citi® Double Cash Card – 18 month BT offer vs. Citi Custom Cash

January 19, 2023 by Gail Kellner

Welcome Bonus offers $ when you spend $ in the first months. This is a nice bonus for a modest spend, and you get six months to achieve it. is not offering a signup bonus at this time. The gets the edge here. Cash Back Rewards is very straightforward: you earn an unlimited 1% cash […]

Ink Business Cash® Credit Card vs. New Business Card! Ink Business Premier(SM) Credit Card

January 17, 2023 by Gail Kellner

Welcome Bonus The offers one of the highest cash back bonuses around: $ cash back when you spend $ within months of account opening. also offers a generous bonus: $ cash back after you spend $ in purchases in the first months. Both cards offer excellent cash back bonuses, but you do have to spend […]

Capital One Venture Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card

January 13, 2023 by Gail Kellner

Welcome Bonus is currently offering bonus miles when you spend $ in the first months. If you transfer these points to any of Capital One’s 15+ partners, they can be worth more than if you just redeem them as a statement credit. offers a one-time $ bonus when you spend $ in the first months. […]