How to Get Business Credit Cards

by Contributing Writer; Updated September 26, 2017

Obtaining business credit cards can be difficult and stressful if you’re not sure where to begin. Remember that the application process for business credit cards is very similar to the application process for personal credit cards. The main difference is that instead of one personal credit report being done, several credit reports are done. The credit card company must look at the business owner’s credit history, the credit history of all business members who will use the card, and the business’s financial information.

Step 1

Research and compare the different types of business credit cards on websites like Creditor Web. This website compares several different cards by listing their APR, fees, and rewards.

Step 2

Check requirements and restrictions to make sure you qualify. Most credit card companies require that you are the owner of the business and that you have had no delinquencies, such as bankruptcy, in your personal history. Information about requirements or restrictions will be clearly labeled on the application form.

Step 3

Decide whether you want additional cards for other members of your company. If so, include each person’s name, social security number and mother’s maiden name on your application form. Usually, just the one application form is necessary.

Step 4

Apply for the card. You can do this by calling the company and requesting that a form be mailed to you or by going to the company’s website and filling out an online application. An online application will be received much sooner than one that is mailed.

Step 5

Wait for your cards to arrive in the mail. It could take several weeks or longer. Check with the specific credit card company for a time estimate.

Step 6

When you receive your cards, follow the activation instructions by calling the included number. The number is usually printed on a sticker and stuck to the card. Once activated, you may begin purchasing items for your business.