Can I get a business credit card as a freelancer or side hustler?

Question

I do freelance work on the side but I'm not incorporated. Can I still apply for a business card?

CardCompare Expert · Accepted Answer

Yes! You don't need an LLC or corporation. Sole proprietors, freelancers, and even people selling on eBay/Etsy qualify. When applying: use your SSN as your tax ID (EIN), your legal name as business name, select 'sole proprietor', and report your side income. Banks like Chase and Amex approve sole proprietors regularly. Benefits of business cards: higher limits, doesn't count toward Chase 5/24 (business cards), separate expense tracking, and often better rewards.