What information do I need to apply for a business credit card? (2026)

Intuit Guide 4 days ago

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Thinking about applying for a business credit card?

In this video, you’ll learn what information you should have ready before starting your application so the process is faster and less stressful. From basic business details to understanding personal guarantees and reviewing the terms, this guide walks through the key things small business owners should know before they hit the “Submit” button.

0:00 - Why a business credit card is essential for small business owners
0:52 - Basic business information required for credit card applications
1:33 - How to use your SSN or EIN for a business credit card application
2:08 - How personal credit history affects your business card approval
2:56 - Key terms to review before submitting a credit card application
3:32 - How to avoid scams when applying for a business credit card

In this video, UGC creator and production company owner Melissa Cassera shares practical tips for preparing a business credit card application and avoiding common mistakes. It covers:

• The basic business information most credit card applications require, such as your legal business name, industry, revenue, and years in business.
• Whether you may need an EIN or if you can apply using your Social Security number as a sole proprietor.
• Why many issuers review your personal credit and require a personal guarantee.
• What to check before submitting your application, including APR, annual fees, penalties, and introductory offers.
• Simple ways to recognize legitimate applications and avoid potential scams.

Plus, learn how staying organized and using financial tools from Intuit can help you make informed decisions and manage your business finances more confidently.

Watch this video to learn more about applying for a business credit card.

No matter the size of your business or what stage you’re at in your journey, QuickBooks gives you the tools and expert resources to run and grow your business with confidence. Explore more to see how QuickBooks empowers business owners like you.

And don’t forget to like, comment, and subscribe for more small business tips and how-to videos.

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