Can you get a business credit card with no revenue?

Yes, you can get a credit card with no income but it’s best to do so as an authorized user on someone else’s credit card. Authorized users can get access to a credit card without actually owning the account. You can do this even if you have no income. The account won’t be in your name, but you can get your own physical card to use for purchases.… read full answer

As an authorized user, you will build credit every month, as long as the account gets used responsibly. Being an authorized user on a responsibly-managed card can help you eventually qualify for your own credit card once you have an income.

Getting a credit card with a co-signer:

You can also get a credit card with a cosigner from certain credit card companies, though it's rare. A cosigner can supplement your application with their own credit and income. That’s because all credit cards require applicants to have an income to prove they can make payments. A cosigner promises to pay back the credit card balance if you cannot, so their credit and income matter much more on the application.

You can apply for a business credit card without a business by listing your name as the business name. If you don’t have a tax identification number (ITIN) or an employer identification number (EIN), you can apply for a business card using your Social Security number, just as you would for a personal card.… read full answer

So you don’t have to be a registered business like an LLC or a corporation to apply for a business credit card. If you’re conducting any independent income-producing activity, you may be eligible. This includes being self-employed as a freelancer or an independent contractor, selling goods online, doing consulting work, and many others. Bear in mind that just like with a general consumer credit card, you will be personally liable for business credit card debt. And small business credit cards are not covered by the CARD Act, which means users are not eligible for some consumer protections such as those against arbitrary interest rate increases. However, many issuers have voluntarily extended parts of the CARD Act protections to their business credit card customers.

While you don’t have to run a company to get one, business credit cards are credit cards specifically geared toward business owners and people who have business expenses. They’re meant to be used for business rather than personal purchases, which can be anything from small expenses for your side hustle to financing your startup idea. Business credit cards often benefit from useful tools such a expense tracking features and the ability to customize spending limits for employee authorized users. And the best business credit cards are often packed with more substantial rewards than personal credit cards.