Can somone explain just how business cards wor?. I've read some scuttlebutt online before that you don't really need a business to get approved for business cards, and you can even apply for a business card if you're just "thinking" about starting a business and want to keep finances separate. I've also heard you can just list your name on the app as a sole proprietorship.
How true is this? I ask because the Freedom/Sapphire/Ink combination seems really appealing as the next cards to get down the road, and the Ink seems like a ingredient in it, but I have no business and really little intention of starting one in the near-future.
I also am thinking about applying for the Chase Ink card and to my knowledge you don't need to have a business. A buddy of mine was able to get one and listed himself as an entrepreneur on the application. Was approved for the Ink Cash card with 10,000 CL.
Technically you do have to have a business, I'm sure it's in the app and the cardmember agreement. It can be as small as selling stuff on eBay or garage sales. Better be able to document and show sales in some cases. EIN helpful. Chase should be asking questions when approving the card, in my case I have a business banking relationship so none were needed.