Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.
Million Mile Secrets reader, Ryan, writes:
My wife runs a small partnership and recently got an American Express Business card using the Employer Identification Number (EIN) for this company.
I help her with her company in multiple regards, but my name is not associated with the company. I am wondering if I could apply for the same card that she has using the same EIN? Does AMEX regulate this? Is it a problem that my name is not legally associated with the EIN? Thanks for all you do! Keep up the great work.
So can Ryan use his wife’s Employer Identification Number (EIN)?
The EIN is under his wife’s name, so I do NOT recommend Ryan use this number on his application.
I’ll explain why and tell you other ways you might qualify for a business credit card.
It’s NOT a Good Idea to Stretch the Truth!
[Disclaimer: I’m not a lawyer, so nothing in this post should be considered as legal advice. Please consult your lawyer for legal advice specific to your situation.]
Ryan helps his wife with her business from time to time. But he’s NOT legally an owner. So he shouldn’t use the Employer Identification Number when filling out his application.
That’s because fibbing on your application is fraud and some folks have been prosecuted. While chances of this happening are slim, it’s not worth the risk!
You May Still Qualify for a Business Card
There are lot of other ways Ryan can qualify for a business credit card! Sometimes even side jobs and start-ups are enough to get approved.
Also, you can apply as a sole-proprietor using your Social Security Number for popular small business cards such as the Ink Plus, Ink Business Cash Credit Card, or The Business Platinum Card from American Express
Then you can earn bonus points for your business purchases as a freelance designer, social media marketing consultant, etc.
I do NOT recommend using an Employer Identification Number (EIN) that’s not registered to you when applying for a business credit card.
Remember, you can apply as a sole-proprietor using your Social Security Number. This can work well for folks with small businesses as a tutor, part-time real estate agent, and more.
Thanks for your question, Ryan!