Yes, you can get a business credit card with no revenue, though you will need to list personal income to have a chance of being approved. If you don’t have any business revenue yet, you can enter $0 in the revenue field on the application if there’s a reasonable intention to generate revenue.
What to Know About Getting a Business Credit Card with No Revenue
You may include personal income on your application. Any income that you earn – such as salary and wages from your job, interest or dividends from investments, or retirement benefits – is considered personal income and can be entered in the personal information section on a business credit card application.
Income requirements depend on your age. If you are 21 or older, you may report shared household income on the application. Applicants who are 18 to 20 years old must provide independent proof of income or have a co-signer. Issuers will need income information to determine whether you can afford to make the minimum payment every month.
List all income on the application accurately and truthfully. Knowingly entering false information on a credit card application is illegal and may result in fines and even several years in prison.
Your personal credit history matters. Before you apply for a business credit card, you should check your credit score for free. Most issuers will take your personal credit history into account when reviewing your business credit card application.
Best Business Credit Cards
Before you apply for a business credit card, check out our editors’ complete picks for the best business credit cards to compare offers for a wide range of credit levels.
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