{"id":15053,"date":"2024-11-27T13:49:42","date_gmt":"2024-11-27T19:49:42","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=15053"},"modified":"2025-06-04T16:02:28","modified_gmt":"2025-06-04T22:02:28","slug":"how-to-get-business-credit-card","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-get-business-credit-card.html","title":{"rendered":"How to get a business credit card"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/03\/woman-small-business-credit-card.jpg\" alt=\"\" class=\"wp-image-15054\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-79ca00000e563c5ae46fe22eaee0b35d\" style=\"background-color:#00214f\">When getting a business credit card, you must provide the following information: full legal business name, business type\/structure, industry type, annual business revenue, years in business and number of employees, tax identification number and your legal name, contact information and Social Security number.<\/p>\n\n\n\n<p>As a small business owner, you have a lot on your plate. Keeping your finances balanced is a challenge when weighing professional and personal costs. Even keeping your accounts and payments organized can present issues. To help with this, you may want to find out how to get a business credit card.<\/p>\n\n\n\n<p>Learning how to apply for a business <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-cards-for-bad-credit\" target=\"_blank\" rel=\"noreferrer noopener\">credit card<\/a> can help you simplify your finances and build business credit. Beyond this convenience, paying off credit card debts helps establish your business and support its long-term success. If you\u2019re just starting and don\u2019t have any business credit yet, you can still get a business credit card. Here, we\u2019ll walk you through the required steps and answer a few common questions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-order-your-personal-credit-report\">1. Order your personal credit report<\/h2>\n\n\n\n<p>You need to build business credit as a newly established company. If you haven\u2019t found your business footing, credit card companies will consider your personal credit history to assess you as a borrower. So, before you apply for a business credit card, review your personal <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> and check your credit score (and remember that your score doesn\u2019t show up on your credit report, so you\u2019ll need to <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-check-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">look elsewhere for it<\/a>).<\/p>\n\n\n\n<p>While every business credit card approval will have different requirements, most require good to excellent credit for approval:<\/p>\n\n\n\n<ul>\n<li><strong>A good score:<\/strong> 670 \u2013 739<\/li>\n\n\n\n<li><strong>A very good score:<\/strong> 740 \u2013 799<\/li>\n\n\n\n<li><strong>An excellent score: <\/strong>800 and above<\/li>\n<\/ul>\n\n\n\n<p>The three nationwide credit bureaus\u2014Equifax\u00ae, Experian\u00ae and TransUnion\u00ae\u2014offer one free copy of your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> annually. Take advantage of these free reports and ensure your credit is healthy enough for approval before you apply. While&nbsp;every business credit card approval will have different requirements, most expect a FICO\u00ae score of 670 or higher.&nbsp;<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-compare-business-credit-card-options\"><a><\/a>2. Compare business credit card options<\/h2>\n\n\n\n<p>There\u2019s no one-size-fits-all approach when choosing a business credit card. Every business credit card has different rates, fees and perks you\u2019ll want to research. Your choice will ultimately depend on your situation, financial goals, purchasing needs and industry-specific factors. You can weigh these considerations by asking:<\/p>\n\n\n\n<ul>\n<li><strong>How do your finances compare to business needs?<\/strong> Is there a large purchase or investment you need to get your business off the ground? Do you have enough funds to cover it?<\/li>\n\n\n\n<li><strong>What<\/strong> <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/what-is-apr\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>annual percentage rate (APR<\/strong><\/a><strong>)<\/strong> <strong>can you afford?<\/strong> APR determines the interest you\u2019ll pay within a year, and some business credit cards offer 0 percent introductory APR. This offer can give you some time, usually 12 months, to pay off larger purchases.<\/li>\n\n\n\n<li><strong>Where do you spend the most in your business?<\/strong> Credit cards offer different types of rewards, so choosing a card that rewards you for the categories you spend the most on is something to consider.<\/li>\n\n\n\n<li><strong>Are everyday purchases your priority for a business credit card?<\/strong> Specifically, ask how much you lean on office supplies and utilities to function. Consider looking into cards offering cashback rewards for those types of purchases.<\/li>\n<\/ul>\n\n\n\n<p>Remember that every business credit card offers something different. You should tailor your choice according to how your business operates and where you\u2019ll use your card the most.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"656\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-9.png\" alt=\"\" class=\"wp-image-19844\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-9.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-9-768x517.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">3. Read the fine print: Understand your personal guarantee<\/h2>\n\n\n\n<p>The majority of business credit cards require a personal guarantee when you apply. A personal guarantee holds you responsible for any debt if your business can\u2019t repay it. This guarantee helps credit card companies mitigate risk when extending lines of credit. If your business fails, your business debts can put your personal assets at risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Apply online<\/h2>\n\n\n\n<p>Once you\u2019ve completed the steps above and chosen the best business credit card, you can start the application process online. If you\u2019ve ever applied for a personal credit card, the process will feel similar:<\/p>\n\n\n\n<ol>\n<li>Gather your personal information beforehand, including your contact information and Social Security number.<\/li>\n\n\n\n<li>Compile details about your business, such as the business name, contact information, employer identification number (EIN), number of employees, revenue and processes.<\/li>\n\n\n\n<li>Fill out the business credit card applications and submit them online.&nbsp;<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"1075\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-10.png\" alt=\"\" class=\"wp-image-19845\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-10.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/09\/image-10-768x847.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Requirements for a business credit card<\/h2>\n\n\n\n<p>You don\u2019t need a large amount of revenue, a team of employees or even a full-time business to qualify for a business credit card. The process is similar to applying for a personal credit card, with a few differences. Here are the application requirements:<\/p>\n\n\n\n<ul>\n<li><strong>Full legal business name:<\/strong> Business credit cards require your company\u2019s name. This is what will appear on the credit card if you\u2019re approved. Use the business name you initially registered with the state or your legal name if you\u2019re a freelancer.<\/li>\n\n\n\n<li><strong>Business type:<\/strong> Is your business a corporation, nonprofit or sole proprietorship? You\u2019ll indicate this in your application. If you\u2019re a freelancer, you\u2019ll typically choose a sole proprietorship.<\/li>\n\n\n\n<li><strong>Beneficial owners:<\/strong> If your business has other owners with more than 25 percent equity, include their information. The lender may want to learn about your biggest investors.<\/li>\n\n\n\n<li><strong>Industry:<\/strong> You must include the industry your company operates within, chosen from a provided list. Select the one that best describes your business. It\u2019s OK if it\u2019s not an exact match.<\/li>\n\n\n\n<li><strong>Annual business revenue:<\/strong> Credit card companies want a report of how much your business earns each year. They need to ensure your yearly revenue can cover your card payments. If you\u2019re brand new and don\u2019t have an annual revenue yet, provide your personal income instead.<\/li>\n\n\n\n<li><strong>Years in business and number of employees: <\/strong>Note how long you\u2019ve run the business and the number of employees you hired in that time. If you haven\u2019t been in business for a year, you can put \u201czero.\u201d If you\u2019re a team of one and don\u2019t employ anyone else, you can write \u201cone\u201d for yourself.<\/li>\n\n\n\n<li><strong>Tax identification number:<\/strong> When you register your business with the state, you are issued a nine-digit number. Similar to a Social Security number, this is your EIN. Credit card issuers require it to verify your business. For business owners without an EIN, list your Social Security number instead.<\/li>\n\n\n\n<li><strong>Legal name, contact information and Social Security number:<\/strong> Credit card companies want your legal name, personal contact information and Social Security number. They help credit card issuers check your personal credit history. Unless you\u2019re already an established business, your personal credit history likely determines whether or not you qualify. To ensure your reliability, they\u2019ll look at your credit score, income and any current or outstanding debts.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Benefits of business credit cards<\/h2>\n\n\n\n<p>While anyone can find a use for credit cards, business credit cards offer distinct advantages to cardholders. Business credit cards offer:<\/p>\n\n\n\n<ul>\n<li><strong>Access to resources.<\/strong>&nbsp;Business credit cards give you access to working capital. Whether you\u2019re in an emergency or need to place a regular order, credit cards give you the resources you need.<\/li>\n\n\n\n<li><strong>Credit-building opportunities.<\/strong> Paying down debts on a business card can improve your <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/business-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">business credit score<\/a>.<\/li>\n\n\n\n<li><strong>Rewards.<\/strong>&nbsp;Some business credit cards give holders rewards for frequent spending.&nbsp;<\/li>\n\n\n\n<li><strong>Higher credit limits.<\/strong>&nbsp;Business cards have higher limits than personal credit cards.&nbsp;<\/li>\n\n\n\n<li><strong>Track employee spending.<\/strong> If you need to give employees the ability to purchase items for the business on credit, a business card can allow you to easily track these expenses.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What if I have poor personal credit?<\/h2>\n\n\n\n<p>If you\u2019ve suffered financial setbacks and your personal credit has taken a hit, you might wonder how you\u2019ll qualify for a business credit card.<\/p>\n\n\n\n<p>Instead of a standard unsecured business card, a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/secured.html\" target=\"_blank\" rel=\"noreferrer noopener\">secured business credit card<\/a> with low credit score requirements may be your best option. With a secured card, you can deposit cash up front to guarantee payments to lenders. If used responsibly, this card can help improve your business credit, and you can switch to a better card option in the future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is personal credit tied to business credit?<\/h3>\n\n\n\n<p>While lenders use your personal credit score as a qualifying factor in obtaining a business credit card, your credit is separate from your business credit. Your personal credit is tied to your Social Security number and depends on your personal spending history. Business credit, however, is tied to your EIN and reflects your business\u2019s financial history.<\/p>\n\n\n\n<p>Business and personal credit are calculated differently:<\/p>\n\n\n\n<ul>\n<li><strong>Your personal credit score<\/strong>, created by the three major <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">credit bureaus<\/a>, comes out to a single number.<\/li>\n\n\n\n<li><strong>With business credit<\/strong>, there\u2019s no standard system for determining your score. Each business credit reporting service varies in how it establishes it. Still, the foundation of a good business credit score will always include things like paying your debts on time.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>How to keep your business credit in good shape<\/h2>\n\n\n\n<p>Establishing your business and applying for a business credit card are the first steps toward building solid business credit. From there, it just takes time, discipline and following a few basic principles to keep your business credit in good standing. Here are some best practices for business credit management:<\/p>\n\n\n\n<ul>\n<li>Choose credit card vendors that report payments<\/li>\n\n\n\n<li>Make your payments early<\/li>\n\n\n\n<li>Look for errors on your credit reports<\/li>\n\n\n\n<li>Establish your business as credible<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Choose credit card vendors that report payments<\/h3>\n\n\n\n<p>Not all credit card companies or lenders report their customers\u2019 credit history to credit bureaus. If this is the case for a supplier you work with, no amount of stellar credit-building will improve your business credit. Confirm that your lender will report your payment history to the credit bureaus to ensure your credit-building efforts don\u2019t go to waste.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Make your payments early<\/h3>\n\n\n\n<p>Since your credit score primarily comes down to your payment history, consider the timeline of your payments. Additionally, while paying on time can help you secure better credit, making your payments early will improve your credit even more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Look for errors on your credit reports<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-disputes\" target=\"_blank\" rel=\"noreferrer noopener\">Credit reporting errors<\/a> aren\u2019t uncommon, but it is common for them to go unnoticed if you don\u2019t periodically check your credit reports. Errors and fraudulent activity can hurt your credit. Unless you make a point to check your account activity, you may find yourself in a difficult position the next time you try to borrow money or get a loan. Avoid this by checking your reports for errors multiple times a year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Establish your business as credible<\/h3>\n\n\n\n<p>Lenders consider more than just your payment history when determining your creditworthiness. You should also work to establish your business\u2019s credibility. You can do this by giving your company a legal name and filing it with your state. Additionally, provide its phone number, mailing address and website in your application. This signals that you\u2019re a legitimate business and puts you in a better position to receive any financing in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Work on your credit with Lexington Law Firm<\/h2>\n\n\n\n<p>Business credit cards are essential for many small businesses that want to build their company credit profile. By learning how to get a business credit card and using it responsibly, small business owners can develop their company\u2019s reputation and&nbsp;<a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-repair\/increase-credit-score-fast.html\" target=\"_blank\" rel=\"noreferrer noopener\">improve their credit<\/a> in the long term.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re dealing with unfair items or errors on your credit report, Lexington Law Firm provides <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair services<\/a> that may be able to help. Our team can help you navigate your credit history and work to make changes before applying for a business credit card.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learning how to get a business credit card can help you get valuable working capital, build your business credit and prove your trustworthiness to lenders.<\/p>\n","protected":false},"author":63,"featured_media":15054,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get a Business Credit Card | Lexington Law<\/title>\n<meta name=\"description\" content=\"Learning how 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