Overview
American Express business cards offer immediate virtual card numbers upon approval. You can add employee cards for team members or business partners with lower personal credit since employee cards don't need a Social Security number or personal guarantee.
Application Steps
Email Address
Business email address
Legal Business Name
Your LLC name exactly as registered
Business Name on Card
Same as business name (20 characters remaining)
Company DBA Name
Check 'Company does not have a DBA' if no DBA
Business Address Line 1
Physical address - it will show up as you type more
Business Phone Number
Can be your personal cell as well
Industry Type
Select 'Other' (it's the last choice)
Company Structure
Select 'Corporation' - LLC is NOT an option
Ownership Box
Leave the second box EMPTY even if you have a partner. Checking it will review both credit reports. You can give your partner an employee card after approval.
Years in Business
Time in business won't matter
Number of Employees
Use 3-5 for a projected number (Example: Cleaners, Staff, etc.)
Federal Tax ID
Input your EIN here
Your Role in Company
Updated 12/2024: Select 'President' or 'Chairman' - NEVER select 'Owner'
Gross Annual Business Revenue
$485,003 recommended
Estimated Monthly Spend
$30,000 recommended
First Name
Legal first name
Last Name
Legal last name
Name on Card
Your name as you want it on the card
Home Address
Can check 'My home address is the same as my business address'
Cell Phone Number
Your mobile number
Date of Birth
Format: MM-DD-YYYY
Total Annual Income
If over 21, always include HOUSEHOLD INCOME - all money coming into your home from different sources. $130,000+ usually gets approved.
Non-Taxable Annual Income
$0
Where to Send Your Bill
Home or Business - it doesn't matter where they ship your card
Submit
Once approved, you'll get virtual card numbers immediately
Recommended Values
Click the copy icon to copy values
Pro Tips
- Select 'Corporation' as business structure (LLC is NOT an option)
- Updated 12/2024: Use 'President' or 'Chairman' as your title - NEVER 'Owner'
- Leave partner ownership box UNCHECKED even if you have a partner
- Virtual card numbers available immediately upon approval
- Employee cards don't require SSN or personal guarantee
- Industry type: Select 'Other' (last choice)
- Gross annual revenue: $485,003 is the sweet spot
- Monthly spend: $30,000
- Non-taxable annual income: $0
- Household income $130,000+ usually gets approved