How to Get a Business Credit Card

What Is a Small Business Credit Card?

  • Helps to build a business credit score
  • Frees up cash flow
  • Higher credit limits than personal credit cards
  • Offers perks and reward points
  • Opportunities to earn cashback

Who Qualifies for Business Credit Cards?

How To Get a Business Credit Card for a New Business

  • The legal name of your business
  • Your business contact information (phone number and address)
  • Business legal structure (entity type)
  • Type of business industry
  • Business Tax Identification Number or EIN (Employer Identification Number)
  • Date of business formation and the number of employees
  • Annual business revenue
  • Monthly business expenses
  • Your legal name, date of birth, and SSN (Social Security Number)
  • Your personal income and credit history

How to Get a Business Credit Card With an EIN Only

  1. Your business must first be determined if it is eligible to apply for the corporate business credit card using the EIN.
  1. Once declared eligible to apply, you have to decide if the corporate business credit card is suitable for your business.

How Long Does It Take To Get a Business Credit Card?

Best Business Credit Cards for Your Small Business

  • Why does your business need this business credit card? To build a credit score, develop a business credit history, or earn cash back.
  • Is your personal credit history able to withstand a hard inquiry from the application process?
  • How soon are you planning to use your new business credit card?
  • Will your purchases stay below the credit limit?

Final Thoughts

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