Think business credit cards are only for corporations? Nope. In this mini episode, I'll break down who actually qualifies (hint: probably you), how to apply without an LLC, and which beginner business cards can unlock huge points and miles.


🎯 What I Cover

• Do you really need an LLC?
• What qualifies as a “business”
• What to enter on the application
• Red flags that cause denials
• Best beginner business cards

💼 Do You Qualify?

If you’ve ever earned (or intended to earn) income outside a W-2, you may already qualify as a sole proprietor 👇

Examples:

• Facebook Marketplace flips
• Etsy/crafts
• Tutoring/babysitting
• DoorDash, Uber, Rover
• Photography
• Content creation
• Airbnb/Turo

Profit is not required — intent counts.


🧾 Application Tips

• Business Type: Sole Proprietor
• Legal business name: Your Name
• Use SSN (EIN optional)
• Estimate revenue honestly
• Years in business: 0–1 is fine
• Don’t overcomplicate it!

🧠 Why Business Cards Matter

• Bigger welcome bonuses
• Often don’t report to personal credit (Key to staying under 5/24)
• Keeps utilization on personal cards low
• New bonus categories + ecosystems

🚫 Common Mistakes

Avoid:

• Inflating revenue
• Applying for too many cards

🔥 Our Favorite Beginner Business Cards

(These are referral links — thank you for supporting the show!)

🗒️ FTC Disclosure

Some links in these show notes are referral or affiliate links. We may earn a bonus, commission, or points when you use them — at no additional cost to you. We only recommend products we personally use and love.

👉 Chase Ink Business Cash®
Huge welcome bonus + great everyday spend categories
Apply here: https://www.referyourchasecard.com/21w/IG4FULE41A

👉 Chase Ink Business Unlimited®
Flat earning rate & big intro bonus
Apply here: https://www.referyourchasecard.com/21w/IG4FULE41A

👉 Amex Blue Business® Plus
2x on everyday purchases, no annual fee
Apply here: Referral Link

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