Can I get a business credit card without a business?

Mar 02 2020

Written by: Capital on Tap USA

No, to get a business credit card, you will need to be a registered company in the USA.
Whether you carry out work on a formal or freelancer basis, it could benefit you to have a business credit card to manage your expenses, cash flow and earn rewards on any expenditure.


What is not considered a business?

  • No limited company;
  • No company registration;
  • No company address;
  • No company directors;
  • No turnover.


What is the eligibility criteria for the Capital on Tap business credit card?

  • Are an active business that has been running for more than 6 months. 
  • Have at least $2,500 per month in revenue.
  • Have no derogatory marks on your own or your business' credit report. 
  • Make money mostly from selling goods and/or providing services, not mostly from interest or investment income. 
  • You are not a sole proprietor.
  • You are not a charity or non-profit organization.
  • You are not classified as a Trust or a source of funds. 
  • You are not a club or other non-registered organization. 
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