Business Credit Card for Personal Use

Business Credit Card

You may not be aware of this, but you can get a business credit card even if you don’t own a business. You do this by setting up the card under a sole proprietorship, and by setting your DBA (doing business as) under your name. A sole proprietorship is a legally recognized definition, but, unlike an LLC or S-Corp, there is nothing else that is required. So why would you want to do this? We’ll talk about that, in today’s article.

Quite often, there are better benefits for business cards than for personal cards, even with the same company. Cash back rates tend to be higher, frequent flyer mile deals tend to be better, etc., because they want to keep your business. The perception is that there will be far more transactions on a business card.

You may also find additional perks, such as a concierge service on some cards, which you will find helpful as well. Make sure to ask your card company if they offer these perks or other perks. You’ll pay lower rates on many things, too. It is not uncommon to get free balance transfers from other accounts. Again, these companies are trying to capture the business of your “business,” so you might even pay a lower interest rate on purchases!

To get started, when you go to apply online, simply do a search for “business credit card.” After that, follow the instructions that are provided to you. If they ask for your tax identification number, simply use your social security number. Your social security number is a valid answer.

For more information, go to Business Credit Card at

Business Credit Card for Personal Use was last modified: December 8th, 2011 by Amit Kraidman
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