Applying For Amex Business Cards: What You Need To Know

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At the moment we’re seeing quite a few increased sign-up bonuses from American Express, including several increased bonuses on business cards. In this post I wanted to talk about the offers, the general advantages of applying for Amex business cards, and how to go about completing the application.

Increased Amex business card sign-up bonuses

At the moment we’re seeing the following new/increased sign-up bonuses on Amex business cards:

These are all fantastic bonuses for different reasons, and I know plenty of people are interested in getting some of the above cards, so let’s talk about the approval process.

The advantage of applying for Amex business cards

There are a few things worth knowing specifically about applying for Amex business cards. Anecdotally:

The restrictions on applying for Amex business cards

Amex’s general restrictions on applying for cards is as follows:

  • You can have at most five Amex credit cards at any given point; it doesn’t matter whether they’re personal or business, and this limit doesn’t include charge cards (none of the above are charge cards)
  • You can typically be approved for at most two American Express credit cards in 90 days, though there are some inconsistencies when it comes to that (again, this doesn’t include charge cards)

How to fill out an Amex business card application

Those who already have business credit cards are probably familiar with the application process, but for those who aren’t, here’s what you need to know. It can be intimidating to apply for your first business credit card, though even if you’re a small business or sole proprietorship, you should be eligible. When applying for an Amex business card, you’ll be asked the following questions:

  • Legal Business Name
  • Business Address & Phone Number
  • Industry Type
  • Company Structure
  • Years In Business
  • Number Of Employees
  • Annual Business Revenue
  • Estimated Monthly Spend
  • Federal Tax ID

If you’re a sole proprietorship, how should you approach this? First of all, and most importantly, answer everything truthfully. I think the concern that a lot of people have is that they think they need an incorporated business, a separate office, etc., in order to be considered for a business card. That’s not the case:

  • You can use your name as your legal business name
  • The business address and phone number can be the same as your personal address and phone number
  • You can select “other” as your industry type, if that’s the case
  • If you’re a sole proprietorship, you can select that as your company structure
  • In terms of years in business, there’s no shame in saying it has been less than a year, 1-2 years, etc.
  • In terms of the number of employees, saying just ons is perfectly fine
  • For the federal tax ID you can put your social security number

While a lot of people are intimidated by applying for their first business card, I think most are pleasantly surprised at the results. Again, the most important thing is to always be truthful on the application.

Bottom line

With the great sign-up bonuses we’re seeing on Amex business cards at the moment, there has never been a better time to apply for one of these cards:

Hopefully this is useful for anyone who hasn’t yet applied for an Amex business card.

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  1. amex added very restrictive T&C on most business cards including Hilton Business, which doesn’t count PPDG spending AT All even I’m not doing p2p transfers. Wasted my time on this stupid card, and wouldn’t bother with any AMEX cards unless I know I have legit spending to cover minimum spending requirements.

  2. Lucky, I’m not sure if I’ve had the Delta Platinum business credit card before. Does it matter? If it does, is there a way to find out without giving it away to a rep that I want to get the bonus miles? I’m not sure if business credit cards count for their once-in-a-lifetime bonus rule. Also, is it a better use of an app to apply for this card or the the new Amex Hilton small business credit card with 100K bonus with spend? Thanks!

  3. @ Buddy M. — The business cards do also have “once in a lifetime” language. You can message Amex on their website to ask if you’ve had the card before, and they should be able to tell you, and it won’t raise any red flags, or anything. If it’s the sign-up bonus you’re after, I think the Delta card has a better sign-up bonus, though the Hilton card generally has better ongoing perks, in my opinion.

  4. The “five credit cards maximum” can be overcome if you are willing to allow them to conduct a hard pull on your credit report.

    They allowed me to have six cards just last month, plus two “charge cards”.

    Don’t be afraid to negotiate.

  5. I applied for the Blue Business Plus when it came out. I’ve never had a business card before but have the Amex EDP. They approved me without ever asking what my business was, and there was no credit pull.

  6. I am seeing red message.
    Annual Business Revenue must contain atlease 4 digits.

    Does it mean, revenue should be more than $1000 dollars.

    How to come around if starting new business and have no or less annual business revenue yet.

  7. I put down an EIN, but they called me up and said they needed my s.s #. it seems you always have to supply your personal s.s even if its a business card..will this affect my credit?

  8. @Lucky

    After completing the application, it went to “pending” status. Next day, received a phone call from Amex in Utah. Supervisor said I already had too many cards. I suggested they make a credit inquiry and make the decision on that information. Next day, received approval.

  9. I also have the question on the 4 digit revenue requirement noted on the SPG Biz application. I was approved last year by putting 0 and planned to do that again. Is this a real requirement?

  10. If you’ve already had the Am Ex Delta Gold personal card + signup bonus for example, are you still eligible for the Am Ex Delta Gold business card signup bonus? I’ve been trying to research this & haven’t found anything concrete yet.

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