No CR

Understanding the No CR rule:

Nearly all business cards do NOT count against your 5/24 limit. Which is a good thing! Getting cards that do not count against 5/24 is as much a guideline as a rule. Understanding this "rule" is a life changer in collecting points. If you have even a small side business, your opportunity can spike from 5 top-tier cards every 2 years... to 10-plus top-tier cards. That's a big deal. If you qualify for business cards, our general advice is to keep your personal card count at 4/24. And you can continue to get business cards from Chase, American Express, Citi, and U.S. Bank. They won't count towards your 5/24, or any other personal credit related rules. Check out more on that strategy here >

Who can get a business card?

Chances are you are eligible for a business card and don’t even realize it. It’s not necessary to have a traditional, brick and mortar business to be able to qualify for a business credit card. Any side job or side hustle are businesses. Selling anything on Marketplace or Ebay, having garage sales, making and selling jewelry on Etsy or at a local farmer’s market, mowing lawns, babysitting - all are side jobs that would qualify for a business credit card.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.