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If you like to earn sign-up bonuses for Big Travel, applying for AMEX small business cards may NOT hurt your chances of card approvals with other banks if you’ve had many new cards recently.
I’ve written about card limits at Chase. If you’ve opened ~5 or more credit card accounts (from any bank) on your personal credit report in the past 24 months, it’s unlikely Chase will approve you for many of their credit cards.
But did you know AMEX small business cards do NOT appear on your personal credit report?
I’ll tell you which other banks’ small business cards won’t impact the Chase rules. And how this can help you earn more miles and points!
Checking Your Credit Report
Generally, banks do not report business cards on your personal credit report if you pay on time.
If you already have an AMEX small business card, you can check your credit report to confirm it does NOT appear.
You are entitled to a free copy of your credit report from each bureau every 12 months.
And here are links to the free or discounted request pages of the 3 credit bureaus:
And you can get a free copy of your Equifax report through Credit Karma.
You’ll see the same information on your credit report that banks see when you apply for credit.
Checking your credit report can also be a great way to see the open and close dates for your other credit cards.
AMEX Small Business Cards
You might be thinking you don’t own a business. But check these 10 activities to see if you could qualify for a business card!
I like AMEX small business cards because some earn Membership Rewards points that transfer to many airline and hotel partners. And others earn earns cash back or Starwood points.
Here are 4 of the top AMEX business cards that won’t show up on your personal credit report.
AMEX Business Platinum
The current sign-up bonus on the AMEX Business Platinum is 40,000 Membership Rewards points after you spend $5,000 in the first 3 months of opening your account.
In the past, some folks have received targeted offers for 150,000 AMEX Membership Rewards points!
With this card you also get:
- $200 in statement credits per calendar year for airline incidentals with an airline you choose (luggage fees, lounge day passes, etc)
- 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots
- Access to airport lounges (Delta, Priority Pass, Airspace, and American Express Centurion Lounges)
- Statement credit for Global Entry or TSA PreCheck
This card has $450 annual fee that’s NOT waived. But the $200 in airline credits makes the annual fee effectively $250.
AMEX Business Gold Rewards
You can earn 25,000 Membership Rewards points after you spend $5,000 in purchases in the first 3 months of opening your AMEX Business Gold Rewards card.
Folks on Reddit report being able to get better offers (up to 75,000 Membership Rewards points) just for searching this card on the web.
I like this card because you get 3 points per $1 you spend on ONE of the following categories (you choose!):
- Flights purchased directly from airlines
- US advertising in select media
- Shipping purchased in the US
- US gas stations
- Buying directly from US locations of certain computer hardware, software, and cloud computing stores
You’ll earn 2 points per $1 you spend on the remaining 4 categories you don’t choose.
This card has $175 annual fee that’s waived for the first year.
SimplyCash Plus Business
The SimplyCash Plus Business card earns cash back. You can earn $250 cash back (in the form of a statement credit) after spending $5,000 or more on purchases within the first 6 months of opening your account.
You’ll also get:
- 5% cash back at office supply stores in the US and on your US wireless phone bill (up to $50,000 in purchases per calendar year)
- 3% cash back on eligible purchases (up to $50,000 in purchases per calendar year) in 1 of the following categories of your choice (like computer hardware & software, US gas stations & restaurants, and airfare & hotel stays purchased directly with the airline or hotel)
- 1% cash back on everything else
- No annual fee
Here’s my full review of the card.
Starwood Preferred Guest Business
The AMEX Starwood Preferred Guest Business card earns Starwood points instead of Membership Rewards points.
Starwood points are valuable because you can transfer them to airline partners! You’ll even get a 5,000 airline mile bonus when you transfer 20,000 Starwood points to airlines.
The current sign-up bonus on the card is 25,000 Starwood points after you spend $5,000 on purchases in the first 3 months of opening your card. You also get:
- 2 points per $1 you spend at Starwood hotels (includes Aloft, Design Hotels, Element, Four Points, Le Meridien, Sheraton, St Regis, The Luxury Collection, Tribute Portfolio, Westin and W brand hotels)
- 2 stay credits or 5 night credits toward Starwood Elite Status
- $95 annual fee, waived for the first year
- No foreign transaction fees
How Other Banks Report Small Business Cards
According to Doctor of Credit, other major banks do not report small business cards to your personal credit report. This includes:
- Bank of America
- Wells Fargo
So, applying for a small business card at AMEX or many other banks will NOT hurt your chances at getting a card at Chase due to their unwritten rule of maximum 5 new cards (from any bank) in 24 months. And you’ll earn the business card sign-up bonus too!
For example, let’s say you’ve had 4 new personal credit cards in the last 24 months. You can apply for the Bank of America Alaska Airlines Business Card and it will not count as your 5th card in the last 24 months.
That said, Chase’s approval rules are NOT official. And they have the final say!
American Express small business cards do NOT appear on your personal credit report. So they won’t count towards Chase card application limits if you apply for the Chase Sapphire Preferred, Ink Plus, Ink Cash, Freedom, or Freedom Unlimited.
You can earn transferable points with the AMEX Business Platinum, AMEX Business Gold Rewards, and AMEX Starwood Preferred Guest Business card for Big Travel with partner airlines! Or you can earn cash back with the SimplyCash Plus Business card.
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