Can Your Blog Qualify You for Business Credit Cards?

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Million Mile Secrets reader Andrew commented:

Can blogging count as a small business to apply for business credit cards?

Can Your Blog Qualify You For Business Credit Cards

Andrew Can Get a Business Credit Card If His Business Is Blogging

Andrew wants to know if he can get a business credit card if he writes a blog.

Emily and I love the sign-up bonuses we’ve gotten from our business cards.  I recently applied for the American Express Simply Cash business card.  We use business cards to keep our personal and business expenses separate.

Blogging Counts as a Small Business

Business cards are an easy way to get extra miles and points.  And Andrew can qualify for a business card even if it’s a start-up business or a blog.

Note: Your blog can be considered a business IF you intend to make a profit from it in the future.  If you have absolutely NO intention of EVER making a profit, then your blog may be considered a hobby.

That said, there are many ways to make money on a blog by selling ebooks, having affiliate links, selling ads, and linking to products on Amazon.

Business cards have less impact on Andrew’s personal credit score because the business card credit line and spending are usually NOT reported to the personal credit bureaus, unless he doesn’t pay his bills.

At the Million Mile Secrets Booth!

We Put Our Blog Expenses on Business Credit Cards!

4 Top Business Cards

Andrew should consider applying for 1 of these business cards.  These business cards offer the best sign-up bonuses, points and miles earning, and overall perks.  Because these cards are offered by 4 different banks, Andrew could get 4 of these business cards.

1.   Chase Ink Bold and Chase Ink Plus

Link:   Chase Ink Plus card

Link:   My review of the Chase Ink Plus card

Link:   Chase Ink Bold card

Link:   My review of the Chase Ink Bold card  

Andrew can get a sign-up bonus of 50,000 Chase Ultimate Rewards points after spending $5,000 in the 1st 3 months on the Chase Ink Bold and Chase Ink Plus cards.  Note that there is currently a better offer for 70,000 points in Chase branches!

They earn Chase Ultimate Reward points which can be transferred to select airlines and hotels including:

  • British Airways
  • Korean Air
  • Singapore Airlines
  • Southwest Airlines
  • United Airlines
  • Virgin Atlantic
  • Hyatt Hotels
  • IHG Hotels
  • Marriott Hotels
  • Ritz-Carlton Hotels
  • Amtrak
Can Your Blog Qualify You For Business Credit Cards

Andrew Can Transfer Chase Ultimate Rewards Points Earned From Chase Ink Bold and Chase Ink Plus Business Cards to Singapore Airlines

Andrew also gets:

  • 5 Chase Ultimate Rewards points per $1 spent at office supply stores, phone bills, internet, and cable TV (up to $50,000 a year)
  • 2 Chase Ultimate Rewards points per $1 spent at gas stations and hotels
  • NO foreign transaction fees
  • $95 annual fee (waived the 1st year)

Andrew can earn a lot of Chase Ultimate Rewards points with these cards, especially if he’s a Big Spender!

I like these cards for the sign-up bonuses, no foreign transaction fees, and 5X points for paying cable and internet.  Andrew gets a lot flexibility being able to transfer Chase Ultimate Rewards points to select airlines and hotels.

The Chase Ink Bold and Chase Ink Plus are issued by Chase bank.  Here’s how to fill out a Chase business card application.

2.   Citi American Airlines Business Card

Link:   Citi American Airlines Business Card

Andrew can get a 50,000 American Airlines mile sign-up bonus on the Citi American business card after spending $3,000 within 3 months.

Andrew can redeem American Airlines miles to fly to many destinations including Asia on Cathay Pacific.

Andrew gets:

  • Free 1st checked bag for himself and up to 4 travel companions
  • Priority boarding and a 25% discount on in-flight purchases
  • 2 miles per $1 spent on American Airlines tickets
  • $95 annual fee (waived the 1st year)

50,000 American Airlines miles can get him 2 round-trip domestic tickets or ~1 round-trip ticket to Hawaii!

Can Your Blog Qualify You For Business Credit Cards

50,000 American Airlines Miles Earned From the Citi American Airlines Business Card Can Get Andrew a Round-Trip Ticket to Hawaii

But I actually prefer spending money on the Starwood Business card (#3) to earn American Airlines miles!

Here’s how to fill out a Citi business card application.

3.   Starwood Preferred Guest Business Credit Card From American Express

Link:   Starwood Preferred Guest Business Credit Card

Link:   My review of how to use Starwood points

Andrew can get 25,000 Starwood points after spending $5,000 in the 1st 6 months on the Starwood Preferred Guest Business Credit Card From American Express.  He’ll earn Starwood hotel points, which he can use for hotel nights or airline tickets.

Andrew gets:

  • 2 Starwood points per $1 spent at Starwood hotels 
  • 1 Starwood point per $1 spent on everything else
  • $65 annual fee (waived the 1st year)
  • Terms and conditions apply

Andrew can transfer Starwood hotel points to 31 airlines including American Airlines.  He’ll get a bonus of 5,000 points for every 20,000 Starwood points he transfers.

So he’ll earn 1.25 American Airlines miles per $1 spent (if he transfers 20,000 Starwood points to America Airlines) on the Starwood business card.  Andrew can use American Airlines miles to fly to Paris.

Can Your Blog Qualify You For Business Credit Cards

Andrew Can Transfer Starwood Points to American Airlines to Go to Paris

But the Starwood business card charges foreign transaction fees, so Andrew shouldn’t use it outside the US.  Instead he should use Chase Ink Bold or Chase Ink Plus cards instead.

4.   US Bank Club Carlson Business Card

Link:   US Bank Club Carlson Business Card

Andrew can get 85,000 Club Carlson points after spending $2,500 in the first 3 months from the Club Carlson business card.

He can use Club Carlson points at Club Carlson hotels such as:

Andrew gets:

  • Free night when using Club Carlson points for 2 or more consecutive nights at the same hotel
  • Free Club Carlson Gold Elite status as long as he has the card
  • 40,000 Club Carlson points each card anniversary
  • $60 annual fee NOT waived for the 1st year
  • 3% currency fee when you use it outside the US

Note:  US Bank tends to deny applications from people who have a lot of recent credit inquiries.  So Andrew should apply for this card 1st before he applies for other business cards.

Bottom Line

Andrew can get business cards if he has a blog.

Business cards are an easy way to get extra miles and points.  And Andrew can qualify for a business card even if it’s a start-up business or a blog.

Andrew’s personal credit score won’t be affected much by business cards because the business card credit line and spending are usually NOT reported to the personal credit bureaus, unless he doesn’t pay his bills.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

7 Responses to Can Your Blog Qualify You for Business Credit Cards?

  1. HI Dariaus, Thanks for your blog. I only started getting big travel for small money after I discovered.
    I have a question to you. is it possible to apply for business credit cards while on an F1 visa. I study here and make some commerce on the side like sports tickets and buying electronics to sell in my home country.
    I guess you were an international student at some point in your life. Did you apply for businees credit while a student? How was that?
    Also, the cards I am thinking to apply for are the two ink cards from Chase. However I have applied and was approved for five chase personal cards last month. would that diminish my chances of approval for business cards from Chase?
    Thanks,
    Karim

  2. Hi. Currently I’m a card holder of AA Executive card. Last week my new application for an AA platinum card was declined because it is said now I can only have one Aadvantage account with CItibank. I have called several times , but all csr just told the same answer. Is it some side effect of abusing AA Executive 100K offer by some guys?

  3. By the way I just got a chase ink card and I called them up that I only got 50000 point and I have friends that opened the card in a chase branch and got 70000 so he ride away approved me for 60000 points so people never give up keep on calling them

  4. Hey Darius! Thanks for the awesome information you always share on your blog. I noticed nearly all the business credit cards gave stated in their T & C’s that all business card spending must be business-related. If you’re a small business, hitting the spending requirements for the bonuses could be a challenge. Any thoughts or tips on accomplishing the minimum spend on a small business card for a very small business with recurring monthly expenses far below business card minimum spend limits? Thanks!

  5. Hi Darius! I know this isn’t the right post to ask but I wasn’t sure where to post my question.
    I am looking to fly from SYD to JFK on Cathay P connecting via HKG. Would AA/Oneworld award rules allow me to book this as 1 award at 72.5K miles or would I be required to redeem 2 awards for routing via Asia 2?
    Thank you!

  6. I second John’s question. I got a voicemail that I haven’t returned from Chase wanting to verify purchases I made, so I’m nervous about explaining!

  7. @Karim – I’d talk to your lawyer or accountant.

    @ John – I’ve mixed personal and business spending on cards, but do what you’re comfortable with.

    @Hal – That should be 2 awards.

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