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I’ve been getting questions on how to fill out the application for American Express business cards. As always, please read The 5 Dangers of Applying for Credit Cards before applying for a new card. The American Express Starwood card is among my favorite business cards by American Express. The credit line for American Express business cards does not show in my personal credit report and impact my credit utilization or credit aging, so it doesn’t impact my personal credit score in the long term.  However, the credit inquiry does show in my  personal credit report, but the effect drops off after 3 to 6 months (though the credit inquiry, as opposed to the business credit line, does stay on my personal credit report for 2 years). Business cards are an easy way to get extra miles and points, and as I’ve written previously, many of us may qualify for businesses even though we don’t realize it.  However, business credit cards may not have all the consumer protections which personal cards have. That said, keep in mind that sudden increased spending on American Express business cards seem to trigger of Financial Reviews of all your credit cards by American Express. The American Express Business Credit Card applications ask virtually the same questions whether you are applying for The Business Gold Rewards Card from American Express OPEN or the Starwood Preferred Guest business card.
I don’t have any rational basis to justify this, but I always fill out the information manually.
Doing Business As: If you operate a business under a name which is different than your legal business name, enter it here. Business Street Address:  This is your home address if you run the business from your home. But know that American Express would like you to use the business card only for business expenses.  I suspect this is a way to protect consumers from the lower consumer protections which business cards have (compared to personal cards). I usually wait for about a week before calling the American Express reconsideration department at 866-314-0237. If you do call the reconsideration department, it helps to get a sense of whether the rep is willing to help you early in the call.  If the rep is unwilling to help or appears to be a stickler, politely hang up (dinner is ready!) and call back later.
Business cards are a great way to get extra miles and points, and they have the added benefit of not decreasing the average age of your credit history because the business credit line doesn’t sit on your personal credit report. You also don’t need an established business to get approved for a business card, and many of us have businesses without knowing it.  But it is important to be truthful on the application!


Also keep in mind that sudden increased spending on American Express business cards seem to trigger of Financial Reviews of all your credit cards by American Express.
This entry was posted in American Express, AMEX Business Gold Rewards, AMEX Starwood (SPG), Business Credit Cards, Credit Cards.
Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. I got this card last week, half-way through a 90-day churn cycle (late May would be next churn). Is Amex more likely to approve you as a sole proprietor if you already have a business card with another bank (chase) ?
A word of caution – I got this card a couple of months back with the 75k offer, got an FR immediately after about 5k in spend. I applied for the AMEX Gold card and was instantly approved during the 50K bonus offer (about 2 months ago, I think?). I already have this card under a biz I own for a few years (recently applied for this card though) – I have a Federal tax ID # for the biz which is what I used during my original application.
Daraius, I enjoy reading your blog and have earned points by getting personal credit cards. I applied for the Chase BOLD offer 50,000 UR points in November 2012 but was declined due to lack of credit history, and I stated my business was only 6 months old (tutor). Question, is it possible for a financial review from American Express when applying for the Business Gold if I don’t carry any balances on any of my three other ax cards? If I live in Canada but work in US and get US company paycheque, can I get a credit card from American Express to be sent to my home address in Canada.
Was just approved for the personal SPG Amex, how long would you recommend before applying for a business one? If you don’t already have an ongoing business (with real expenses) but, nevertheless, you state that you are a sole-proprietor in the application, then how would you spend $5K in 3 months given that Amex explicitly requires that you make a representation you will not use the business card for personal expenses. Thank you for this post, although a couple of years old it is still nice to get this information.


I do appreciate the help, as business credit is somewhat of a mystery for small business owners. Credit Card DisclaimerApplying for credit as described in this blog may affect your credit score. BARCLAYS CREDIT CARD APPLICATION STATUS CHECKBeen paid when i have chairmans preferred status links.
For example, if you sell crafts online, I’d choose “retail” or choose “other” if none of the categories describe your business. Do I have a separate business credit report such that it seems less risky to the bank cause I now have a business credit history? Having an existing credit card could make it easier to get approved for another one from a different bank.
AMEX business cards do seem to attract Financial Reviews for high amounts of spending, so best to be careful with them. If I want to now apply for a new card using my own SSN as a tax ID for a sole proprietorship to sell items in Ebay, do you know if they would approve? American Express, Barclaycard, Chase, and US Bank are Million Mile Secrets advertising partners. Getting the help of a tax consultant would set you back a few hundred bucks, in which case the 50K rewards wouldn’t work out too well. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners.




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