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You don't need to have a formal business or any business income to get a business credit card.

A side hustle or hobby that earns extra cash will be enough to qualify for most of the best business credit cards. Additional income can come from selling products and services, fees from a regular professional practice, or rent. This means that anyone can get a business card, even if you run a side business as a sole proprietor. You just need to meet the minimum credit score requirements and other qualifications.

Most business credit cards require a good to excellent credit score to get approved. The application process is straightforward, whether you have a business or not. When filling out an application form for a business credit card, you'll need to provide your business details, including your business name (you can use your name if you don't have a formal business), business structure (sole proprietor as an option), federal tax ID or Employer Identification Number (EIN) (otherwise use your SSN), and business description. Other details might also be required on most business credit card applications, but these typically matter less than your personal or business details.

In addition to business information, you'll also have to provide your personal details, such as your Social Security number (SSN), date of birth and address.

If you don't have a separate business entity or registered business income, your account activity will likely be reported on your personal credit report, and you may be personally liable for purchases made on the card.