No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I was making a payment on DW's Amex ED, which she opened last month, and I saw the "member since.." message said 2012. Double-checked her TU CR on CK just now, and sure enough, it says account opened August 2012. This is her first personal Amex ever, but she did get business CCs in her name (including an Amex) when she took a promotion to assistant office manager a couple years ago, so I'm sure that's the source of the backdating. Is that usual? I didn't think that Amex would backdate a personal account using a business account, but apparently I was wrong..?
From reading different things on the boards, it appears that a person locks in their MSD whenever they get their first card, whether personal or business.