Amex occasionally targets customers for bigger welcome offers that aren’t publicly available. Before filling out the application, make sure you apply for the card with the highest offer. So if you’ve had a card before, you can’t earn the welcome offer when you open the card again. Keep in mind, that the Amex welcome offer rules restrict you from earning a welcome offer on the same card more than once. Understand the card benefits so you use the best credit card for your purchases. For example, banks can raise the annual percentage rate (APR) on your small-business card without warning (which they can’t do with a personal travel credit card). For example, if you’re a freelance writer, a tutor or a seller on eBay or Etsy, you could be eligible for a small business card.īusiness credit cards do not come with all the consumer protections of a personal rewards credit card. Lots of folks may qualify for small-business cards without realizing it. If you’ve opened five or more credit cards from any bank in the past 24 months (excluding most small-business cards), Chase won’t approve you for some of their best cards.īusiness credit cards are an easy way to get extra miles and points if you’re self-employed or simply have a side hustle. This means that opening an Amex small-business card won’t hurt your chances of being approved for Chase credit cards later on. Here’s the million-dollar secret about opening small-business cards: Most do not appear on your personal credit report. (Photo by Monkey Business Images/Shutterstock) Why consider small-business cards? Don’t be afraid of the Amex small-business card application process – it’s easy. The application is straightforward, here’s an update on what you need to know. Something you already do – like freelancing, tutoring or driving for Uber – may qualify you for a small-business card. You don’t need to be a multimillion dollar company to be approved. You might worry that applying for a business credit card is difficult, but being approved for an Amex small-business card is relatively easy. Conquer your fear and a whole new world of miles and points will open up to you. Check our Hot Deals for the latest offers.ĭon’t be intimidated by the idea of applying for a small-business American Express card. It’s not as scary as you might imagine. Update: One or more card offers in this post are no longer available. Here’s our full advertising policy: How we make money. Terms apply to the offers listed on this page. Signing up for credit cards through partner links earns us a commission. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.įor more information, please see How we make money. We also include editorial content to educate consumers about financial products and services. We have partnerships with advertisers such as American Express, Brex, Capital One, Chase, Citi, Wells Fargo and Discover. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. This page may include: credit card ads that we may be paid for (“advertiser listing”) and general information about credit card products (“editorial content”). All information is presented without any warranty or guarantee to you. And the advertised offers may be subject to additional terms and conditions of the advertiser. So, your actual offer terms from an advertiser may be different than the offer terms on this site. We strive to keep our information accurate and up-to-date, but some information may not be current. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. To support our work, we are paid for providing advertising services. Our reporters create honest, accurate, and objective content to help you make decisions.
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