The Business Platinum Card® from American Express currently has an excellent limited-time offer. Until June 30, 2025, you can earn a statement credit in addition to a large number of bonus points.

Here's the good news: You don’t need a specific type of business to qualify for the Amex Business Platinum offer. Your business doesn’t even have to be registered or established. See how you can qualify for this and other business credit cards as an owner of a startup, as a freelancer, or even someone with a side hustle.

Perhaps surprisingly, the eligibility criteria for business credit cards, including the Amex Business Platinum, are less strict than you might imagine.

• Do I need an established or registered business? No, your business doesn’t have to be established or registered to qualify for a business credit card. You can have a new business and still qualify.

• What if I’m a freelancer or sole proprietor? Sole proprietorships are one of the eligible options for company structures on most business card applications. You’re typically classified as a sole proprietor if you run a business by yourself, which is often the case as a freelancer or independent contractor.

• What if I don’t have a legal business name? You typically use your own name as your legal business name if you’re a sole proprietor.

• What if I’m a startup and don’t have any income? Startups can also qualify for business credit cards, so it’s not necessary to have any income yet — you can put your estimated revenue on the application.

• What if I don’t have any business credit history? Most new small business owners won’t have any business credit history, which is okay. Major credit card issuers often check your personal credit history when you apply for a business credit card. This can have a small, temporary impact on your personal credit.

• What if my industry type isn’t on the application? Try to choose the industry type that’s closest to the type of business you do. Most business card applications don’t have every business type available.

• What if I’m not sure of my estimated monthly spend? Make your best estimated guess as to what you think your monthly business spending will be. The key to applying for any financial product is to be honest.

• What is my Federal Tax ID? You typically only have to provide a Federal Tax ID, also known as an employer identification number (EIN), if you have a registered business, such as a corporation or partnership. As a sole proprietor, you likely don’t need to provide more than your Social Security number (SSN).

In short, all types of business owners may qualify for the Amex Business Platinum and other business credit card offers. There are other factors to consider, such as your personal credit score and applicable spending requirements, but you don’t need to be a large corporation or even a registered business at all. Freelancers and people with side hustles may also qualify.

Related: What is a good credit score?

The Amex Business Platinum offer's terms and conditions state you may not be eligible for this offer if you:

• Have had this card or previous versions of this card

• Have a certain history with credit card balance transfers

• Have a certain history as an American Express cardmember

• Have opened or closed a certain number of credit cards

• Are unable to meet the conditions pertaining to other factors

One area of concern for prospective cardholders is whether they qualify for a business credit card at all because of the type of business they run. The good news is American Express will let you know if you qualify for one of its credit card welcome offers before you actually apply (and potentially impact your credit score).

Related: Prequalified vs. preapproved credit card offers: What’s the difference?

The Amex Business Platinum travel rewards card has a publicly available offer where you can earn 150,000 Membership Rewards points after spending $20,000 on eligible purchases in the first three months. You can also earn a $500 statement credit after spending $2,500 on eligible flights booked through American Express Travel (AmexTravel.com) or directly with airlines within the first three months. The offer ends on June 30, 2025.

It depends on how you redeem the points, but they’re worth at least $1,500 toward airfare and similarly toward gift cards (depending on the gift card). They could be worth more if you redeem them toward specific flights after transfers to partner airlines. For example, you could get over $2,000 or $3,000 in value if you transfer your points to Singapore Airlines Krisflyer, Air France-KLM Flying Blue, or another partner and book an international flight in business class.

Related: See what you can do with 150,000 Membership Rewards points

The Amex Business Platinum Card may be worth it if you can take advantage of enough of its perks and benefits to offset its hefty $695 annual fee. This could include traveling enough to use its complimentary access to airport lounges and its many annual credits, such as up to a $200 airline fee credit and up to a $199 CLEAR Plus credit.

Related: Read our full Amex Business Platinum review

It’s possible to have more than one Amex Business Platinum Card and receive the welcome bonus more than once if you have multiple businesses or receive targeted card offers with terms and conditions that let you earn multiple offers.

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