What name should I put on my business credit card application?

Feb 26, 2022

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For a lot of small-business owners, a business credit card is a smart and effective way to help manage your business-related expenses. With the right card, you gain numerous advantages that go beyond the convenience of having an extended line of credit. With responsible use, you can build your business credit history. You may also be able to earn rewards, receive free employee cards and get access to expense management software.

When you’re ready to apply for a business credit card, the process won’t be the same as applying for a personal credit card. In addition to some personal information, you’ll also need to provide a number of business-related details. This includes how long you’ve been in business, your annual business revenue and number of employees.

You’ll also be asked to provide your business name. This can be your personal name or your legal business name if you have one.

Not sure which one to use? Keep reading to learn more and to help you decide what name to put on your business credit card.

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In This Post

Photo by RawPixel/Unsplash
(Photo by RawPixel/Unsplash)

Why you might want a business card

There are plenty of reasons to apply for a business credit card — the simplest being that you have an established business and are looking for a way to organize your expenses better.

Even if you don’t need a business card, you might decide that you want one to help separate your work expenses from personal ones. It can also prevent your spending balances being reported on your personal credit report. This can keep your credit utilization low on your personal credit report, and thus help you maintain a higher credit score.

Or, maybe you’re looking to earn some nice sign-up bonuses without affecting your eligibility for future personal credit card applications and avoiding restrictions such as Chase’s 5/24 rule.

What name should you apply with?

The specific answer to this question will depend on how your business is structured. Banks give you the opportunity to specify whether you are applying as a partnership, a type of corporation, or a sole proprietorship, among other options. Some card issuers, such as Citi, will give you an overwhelming number of choices to pick from. Larger companies or those registered as corporations, LLCs, or partnerships will have an easier time deciding what name to use, as they will simply apply with the name of the business.

If you’re just a sole proprietorship, things get a little more complicated.

Related: Who qualifies for a business credit card?

If you aren’t 100% sure of the business structure you should select, speak with a lawyer or tax professional. Many points enthusiasts will be applying as sole proprietors or self-employed for things like:

  • DoorDash driver
  • Uber driver
  • Rover petsitter
  • Freelance writer
  • Babysitter

Applying as a sole proprietor can be a great option, because you don’t need to file any paperwork with your state or federal government to form one – you establish a sole proprietorship simply by doing business. If you go this hassle-free route, you’ll apply for business credit cards using your own name. Some banks (especially Chase) like to ask for supporting documentation before approving a business card application, including proof of physical address. By using your name as the business name, you’ll be able to submit rent or utility bills that are consistent with the information you gave on your application.

Branding is half the battle in attracting customers, though, and maybe you don’t want to call your new consulting firm just by your own name. If your business is operating under a name other than your legal name, you’ll need to file a doing business as (DBA) form. The specific regulations on this (who/where/when/what you need to file) vary by state. Again, you should consult a legal professional before proceeding. This is a necessary step before you can open a bank account or line of credit under your business name.

In many ways, this is a warning about what not to do: Never, under any circumstances, make up a business name for your application without having filled out the necessary paperwork first.

Not only will you have no recourse if a card issuer asks you for supporting business documentation; you’d also be committing fraud by passing yourself off as a business that doesn’t exist. The simple and short answer for most business owners looking to apply for business cards is simply to use your own name, and keep things simple and legal.

Related: The ultimate guide to credit card application restrictions

Bottom line

Business credit cards can be a great way to enjoy even more sign-up bonuses, bonus spending categories and other valuable perks. If you qualify for business credit cards, remember that these applications will often face slightly more intense scrutiny than personal credit card applications. Always be prepared to present your business registration certificate or other relevant documents if needed. If in doubt, consult a legal professional, and if applying as a sole proprietorship, think about just using your own name as your business name.

Additional reporting by Robert Thorpe.

Featured photo by Sam Wordley/Shutterstock.

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