Can I get a business credit card even if I don’t have a business?

It is possible to open a business credit card even if you do not have a registered business such as an LLC or corporation. Any independent work that generates (or intends to generate) income can qualify you for a top-tier business credit card.

Here are some examples of nontraditional ventures, side hustles, and profitable hobbies that card issuers may consider legitimate businesses.

• sell products online
• babysitter
• Dog-walking
• tutor
• Ride sharing and delivery driving
• Own or manage rental properties
• graphic design
• freelance part time
• personal training

Although not required, an easy way to determine if you qualify is to see if you can get a 1099 instead of a W-2 for your job.

While your business doesn’t need a physical location or multiple employees to get a business credit card, there are some other conditions you must meet.

The application process for a business credit card is similar to applying for a personal credit card, but you’ll need to provide additional information about your business, such as your name, annual revenue (or estimated revenue), and type of business. Card issuers typically also ask for an employee identification number (EIN), but if you’re an independent contractor, you can provide your Social Security number instead.

As with personal cards, your credit score is an important factor in determining your eligibility for a business credit card. If you don’t have a business credit report, issuers may consider your personal credit score. According to Experian, most small business credit cards are aimed at people with an average credit score of 670 or higher. This means “good” credit or better based on the FICO scale.

For those who prioritize no fees, there’s The American Express Blue Business Cash™ Card with $0 annual fee and 0% APR on purchases for 12 months from account opening date. This card also offers expanded purchasing power, allowing you to spend beyond your card’s credit limit. It’s important to note that this feature depends on factors such as payment history and credit record, and is not unlimited.

Whether you’re a solopreneur or the CEO of a large company, you can benefit from a business credit card. As long as you run a commercial business, you can apply for a business card even if you are not officially registered.

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*Information regarding Capital One Spark Cash Plus is collected independently by Select and is not reviewed or provided by the card issuer prior to issuance.