Business Cards- Think You Don’t Qualify? Think Again.

A lot of people assume they can’t open business credit cards because they’re not self-employed, don’t have an LLC, or don’t run a “real” business. But here’s the truth: if you’ve got a side hustle of any kind, banks often see you as a sole proprietor—and that means you may qualify.

Here are a few super common examples of side hustles that can get you approved:

• Selling on Facebook Marketplace or eBay (this is actually how my husband and I got our very first business cards when we started this hobby!)

• Babysitting, housesitting, or dog walking

• Driving for UberEats, DoorDash, or Instacart

• Managing rental properties

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How to handle the application

When you’re filling out your application, honesty is always the way to go. For the revenue question, I usually make a reasonable estimate of what I expect to earn in the upcoming year. Don’t forget—your other income (like your W-2 salary) also gets factored in, which helps strengthen your application.

Final Thoughts

You don’t need a big business to unlock the perks of business credit cards. A small side hustle could be your ticket to even more points, miles, and free travel.