My first appearance in the business section! I was planning on staying in the garden all year for 5/24 cooldown purposes, but the LLC I own has started taking off, which created the need for a change in strategy. This is my first business credit card, in the past I just used a Paypal business debit card. I also hold a personal Amex BCE with an $18K CL that has been open for a year and 10 months. I don't have any deposit accounts with Amex.
If you plan on applying for this card with an LLC, you may get confused when you reach the business type section as it only includes sole proprietorship, partnership, or corp. The name section is really confusing with 3 boxes and it will throw an error later if you choose sole proprietorship with "LLC" in your legal entity name. It may also throw an error on your DBA not matching (which is kind of the point of registering a DBA? lol). You also need to count yourself as 1 employee even if you don't have any employees. If anyone from Amex ends up reading this, please modernize/overhaul this part of the form. People with LLCs are right in the heart of the target demographic for this card. Also for Amex, if you are going to send an applicant an upgraded SUB offer, during the middle of the app is the wrong time. They sent me an email for 50K MR while I was doing the app and I never got to see it. That miss was worth an extra $250 ish if you transfer the points 
DPs:
Instant Approval
SUB: 15K for $3K in 3
APR: Bad
Intro: 0% for 12
No HP
SL: $10K
Fico 8s: 741, 700, TU Unknown
Inqs: 1/6, 1/12, 5/24 on EX
0/6, 0/12, 4/24 on TU
0/6, 0/12, 1/24 on EQ
Util: 2%
AAoA: 9Y, 5M
AoOA: 16Y, 4M
AoYA: 1Y, 1M
5 open clean revolvers
8 open student loans still showing brutal lates on 6 of them
Most recent late: 5 years, 0 months
VS4: 709
Nice, congratulations on your approval!
Congratulations on your approval.
Congratulations on the approval!
On top of its benefits to your business, this is one of the best unbonused spend cards out there (2x MR is ~4% back if you use them properly) and the only MR-preserving card with no annual fee. Hold onto it!
