The EASY Way To Get Business Credit Cards (Full Guide)

Great video! HOWEVER: putting 10k as your stated annual income on the application is a great way of ensuring you get the smallest limit possible 😂😂

Wow answered all my questions.

Can someone answer this question, please. So even when you apply with just your SSN and NOT an EIN, will they still don't report utilization to the credit bureaus? So where do they report this utilization to, or is it just NOT reported at all?

Great video… thanks Daniel!

In summary, could we then say that with business credit cards, issuers won't report the utilization percentage but will report late payments?

If I have personal checking/saving account, Can apply for business credit card? Or Do I need first open a business checking/saving account?

Any tips for applying when your personal business just started and hasn’t made revenue yet?

I literally have a business with $60,000+ revenue and can't get approved for business credit lol

Hmm, I don't think it's as easy as it sounded. My credit score is almost 800, I got an LLC with an EIN but yet, they kept rejecting me

These vids never show that amex wants to link to your accounts using plaid to verify income

What would you recommend for a carpet cleaning company? Most of my budget goes towards marketing, gas, and supplies. Thoughts?

If I put personal expenses on a business credit card, does that need to be reported to the irs?

How did you setup an llc? Can you please share some details, reference you used?

What’s the point of Business credit? Outside of a publicly traded company, any bank will force the business owner to back the loan with their personal credit.

Why do they check your personal credit if your business credit is separate?

42 Wallaby Way. Well done.

Would donating plasma on the side count as a side business?

Can I upgrade my Amex magnet to a business plus Amex ?

Can you cancel or downgrade to a 0 annual fee business credit card after redeeming the miles/rewards

While applying for Amex business credit card they don't provide any option for LLC. They only have 3 options which are Sole Proprietorship, Partnership and Corporation. Can you help me how to apply for Amex Business Plus Card?

Do I need to be under 5/24 in order to apply for chase business cards?

Thanks for this. It only took 5-7 mins with credit karma, might help that I have 2 personal AMEX cards already.

We can’t do it with just strictly biz credit? I focus on biz credit only

Great content! Just what I was needing. Thanks!!

Thanks for the info. BBP+ with your link!

I see the exact opposite, I get very high limits with my personal cards and moderate limits with the few business cards I have.

Is it still under 5/24 rule?

Can you still build business credit even if you use ur Ssn ?

Chase is very liberal on business credit in my experience and nice bonuses.

Does the 5/24 rule from Chase apply to business credit cards as well?

Even with sole prop with SS#, it won’t show on personal???

Believe it or not, I was afraid to apply for a business credit card a few years ago. I remember when you applied for one of the Chase Ink business cards a few years ago (was it the Ink Unlimited? I can't remember which one 😂. Fast forward to the end of 2022, I applied for my first business credit card with Amex and was approved for the BBP! Then a few months later, I went with the Chase Ink Cash and was approved again. I definitely value not having my business credit card balances reported to my credit report. It helped me to finance a new Mac Studio, that I have the cash to pay in full, but with interest rates well over 4% APY, i'm holding onto that cash during the 0% intro APR period.

I plan on signing up for a business card in June :)

Got my 5th Business card last month and for the first time ever, Amex asked me to send in 4 months of Business Checking Statements... They made sure to specify Business Checking. They may be getting strict on approvals.

I like how you explained everything concisely! Keep it up!

Daniel- Have you considered examining credit unions and their associated credit cards? Alliant Credit Union offers many of the qualities of the banks that you like.

Great info Daniel👍🏾

Thanks for having your editor tone down the click sounds/overall sound design.

I'm out of the game.

Daniel's doing videos in plain white t-shirts. Tank tops next or straight to shirtless? 😂 Nice guns bro.

Would the IRS learn that I started a side hustle by doing this application? Didn’t plan on separating out the tax stuff yet, was just gonna say it’s all personal. Also do you think I’d have no issue getting an employee card for my wife, even as a sole prop with just an SSN? I do want to have a player 2 on my card, but don’t have an EIN thing going. Specifically for the BBP. Was thinking of applying this week. Very timely video. I don’t really have revenue yet but have been doing school and other preparations before I start freelancing.

You got my attention at content creator 👀

I haven’t found a direct answer in any other video or online so if you can answer that’d be great! My question is I saw somewhere that Amex cards affect credit history differently in that when you apply for whatever amount of cards, they all start at the oldest date of your first card; is this true? For ex. If I got an Amex blue cash in 2012 and then next week I get a Amex gold then would my avg. length of credit increase since the gold would “inherit” the older credit history of 10+years? Or is that wrong and Amex is like all other cards where the new credit line would knock down the avg age of credit? Thanks for your help!

Great video on this subject! My Capital One Spark does not report to my personal credit btw. But I believe the product that I have is not offered anymore. I did read on MyFico board that they report to personal credit these days, and only that disqualifies Capital1 in my eyes for any new business card in the future.

Great video! Loving my BBP right now and I’m hoping that as my business grows I’ll be able to take advantage of some of the higher SUB that some of the chase cards have. Can’t quite hit those spending requirements right now so not worth adding them to my wallet.

💪🏼👍🏼💙

Business Credit Cards are soooo huge that can basically take the rewards you already getting from personal Cards and then really opening the floodgates to the amount of rewards you can get from business Credit and the flexible points currencies that come from that. Just got my first card- Hilton Honors Business and excited to get some others like the AMEX BBP as well. Great point though in that business Cards are so much more accessible than most people think. Great video Daniel!