Can I Get a Bonus on a Business Card Even if I Have the Personal Card?

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Million Mile Secrets reader Traci emails with a question:

Daraius, if I currently have the Southwest Premier Visa, can I apply for and be approved for the business card and get the 50,000 point bonus?   Would I be able to do the same thing with the Starwood business card if I currently have the personal card?  I just checked my credit score and it is in the excellent range.
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Traci wants to know if she can get the signup bonus for the business credit card version of her personal credit card.  Banks often issue both business and personal versions of certain credit cards.  For example, there is a Starwood Preferred Guest® Business Credit Card from American Express as well as a Starwood Preferred Guest® Credit Card from American Express.

Southwest Business Cards

Link:  Southwest Credit Cards

Traci is interested in applying for the business version of the Southwest card because of the current 50,000 point signup bonus on all 4 versions of the Southwest credit card after completing the minimum spending.

Chase considers personal and business credit cards to be separate products.  This means that Traci can get the sign-up bonus on the business card even if she has the personal version of the card.

So she should get the signup bonus on the Southwest Premier business card – as long as she is approved – even if she has the Southwest Premier personal card.

A business card will impact Traci’s credit score less than a personal card.  That’s because your business card credit line and spending are usually NOT reported to the personal credit bureaus, unless you don’t pay your bills.

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Here’s a post on how to fill out a Chase business credit card application.

Traci can apply for a business card even if she has just started a business.  But she shouldn’t lie and apply for a business card IF she doesn’t have a business! And the sign-up bonus from the 50,000 points Southwest credit cards does count towards the Southwest Companion Pass.

Traci can get the Southwest Companion Pass after earning 110,000 Southwest points which can be easily done by getting 2 Southwest credit cards and 10,000 extra Companion Pass points.

With the Southwest Companion pass Traci’s companion can fly free (pay just the $2.50 security fee) for up to two years!  But Traci should make sure she doesn’t make these 3 mistakes that could cost her the Companion Pass.

The Southwest Companion Pass Got Us Here!
The Southwest Companion Pass Got Us Here!

Starwood Preferred Guest Business Card

Link:  Starwood Preferred Guest Business Card

Traci can get the Starwood Preferred Guest pusiness card even if she already has the Starwood Preferred Guest personal card.

Traci can use Starwood points for airline tickets, hotel rooms, even gift cards!  But the best value is using points for hotel rooms.

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Here’s the first post in my series on how to use Starwood points.

The $95 annual fee is waived for the first year on both the business and personal cards.  But there is a 2.7% charge for foreign transaction fees, so it’s not the best card to use internationally.  That said, I hope that American Express will remove the foreign transaction fees on the Starwood cards just like they have with the Delta cards!

The current signup bonus on the Starwood Preferred Guest Business card is 25,000 points after completing the minimum spending.  But if Traci isn’t in a rush, she could wait until summer to see if the 30,000 points offer returns.

Here’s a post on how to fill out the application for an American Express business credit card. 

Bottom Line

Traci can apply for the business card versions of both her Southwest and Starwood Preferred Guest credit cards.

And she should get the signup bonus points because the business version of a credit card is considered a different product from the personal version.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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