Posted by William Charles on August 27, 2016
Credit Cards

Published on August 27th, 2016 | by William Charles


Can You Get The Same Business Credit Card Multiple Times With Different Businesses?

One question that has been asked from a lot of readers is that if they have separate businesses, can they get a business card (and sign up bonus) for each business. Obviously people want to keep these expenses separated, so it’s a legitimate question and one that I didn’t have a good answer for (nor could I find a good answer anywhere). I thought I’d do a bit of researching and find out the answer.

Below is a list of data points for each card issuer, I’ve also included if the businesses had EINs or used a SSN to apply. As with all posts of this nature, the more people that share their experiences the more useful they are. This list is also just data points, so don’t get angry if you have a difference experience – instead just share it in the comments.

American Express

It will work with American Express as long as different tax ID are used. If you sign up for multiple cards using a SSN or the same EIN, you won’t be eligible for the bonus. YMMV, usually won’t work.

  • American Express generally: 1
  • Business Gold: 1
    • Didnt work: 1, 2
  • Delta Platinum: 1, 2
  • SPG: 1 (different EINs) 2 (didn’t work), 3 (didn’t work)


No hard limit on getting the sign up bonus multiple times, so this doesn’t really apply. You do need to wait 30 days in between applications: 1.

Bank of America

Bank of America doesn’t have any restricts on getting the sign up bonus on their cards multiple times, so this doesn’t really apply to them but it’s still possible.

  • Alaska: 1 (same business & card)

Capital One

Doesn’t really restrict getting the sign up bonus multiple times, so using the same tax ID should work as well as using different tax ID. Confirmation: 1


Similar to American Express. With Chase it seems as long as you’re using a different tax ID then you will get the sign up bonus.

  • Same EIN can get bonus multiple times: 1
  • Chase generally: 1
  • Ink: 1
  • Ink Preferred: 1, 2,
  • Marriott
    • Didn’t work as they said the Marriott # matched: 1
  • Southwest: 1 (different EINs)

One report of it not working with two different EINs on the Chase United card: 1

Marriott also didn’t work: 1


  • American Airlines: 1 (different EINs)

U.S. Bank

  • Will consider them as seperate entities: 1

Final Thoughts

I’m not even sure how card issuers would track it if you’re applying for multiple cards for legitimate businesses with an EIN, I’m not sure they would want to stop it either. Obviously setting up a business purely for signing up for credit cards is ridiculous, especially when you’ve need some business credit history to get approved in most cases. As I asked earlier, please share any data points you have in the comments below.



51 Responses to Can You Get The Same Business Credit Card Multiple Times With Different Businesses?

  1. Justin says:

    So I believe it’s free to get an EIN:

    Not sure what the public records will return when a CC company goes to search for history of an EIN but I suppose people could just get one now in anticipation of applying for cards down the line

  2. Alex says:

    I have applied for the Chase United Millage Plus card under two different EINs. I only received one bonus 🙁

    They said I have received this bonus already within the last 24 months.

  3. Trinob says:

    I have two Chase ink cards for two different businesses both under my own SS#. Got them two years apart (one 5 months ago) and got bonuses on both.

    These were legit businesses and I use the cards for the businesses.

    • How long was it between bonuses? was it less than 24 months?

      • Bill says:

        I got two bonuses within a month of each other just simply based on the timing of when I met the minimum required spend. 2 Chase Ink Plus cards with two different EINs.

        I also picked up two Capital One cards on the same day for the same EIN (when they allowed that). I received bonuses for both.

  4. Mark says:

    Does 5/24 apply based on your personal SSN if you use an EIN to apply for say an Ink card.

    • Bill says:

      Any Chase cards that are PG’d by your SSN will show and be considered in regards to 5/24.
      Chase does segregate the cards in your online profile by EIN used, but can see any cards that your SSN is associated with.

  5. james says:

    Hi Doc,
    I was wondering if you have two different EIN and you close one Chase business checking account a month ago and you open another Chase business account with $500 bonus with a different EIN can you still qualify for the bonus?

    • Chuck says:

      One reader said that a banker claimed this is not possible. I don’t have any real data points on this question. If you try it out, let us know!

  6. foiegras says:

    Can you get two Amex Business SPG cards if you have one EIN and one SSN?

    • Bill says:

      You might get the card as long as you only have four credit cards associated with your SSN. (regardless of how many EINs you have)
      As for the bonus, most Amex bonus offers are once per lifetime, and if you have the card already, you don’t get the sign-up bonus, even if the second card is for a different EIN.

  7. Jason says:

    I opened a Citi AA Biz credit card under one tax ID last year, and then opened another one in July, under totally different tax ID and business name. The address and owner on the business was the same.

    Citi denied the 50K bonus, saying once per 24 mos, per entity type, even if different business name and FEIN.

    Anybody have suggestions to fight this ruling?

    • Bill says:

      It sounds like Citi mixed up the denial reason. Amex refers to the SSN used to determine whether to grant a bonus or not, regardless of the EIN. A separate EIN is supposed to be a different entity.

  8. Jeff H says:

    US Bank Business Sales says if you have separate EINs, they will accept applications based on each separate EIN numbered business.
    source: a dedicated business CC application line most likely handled by a third party call center.
    US BANK themselves has a dedicated phone line for business products CS, etc 855-340-2681

  9. Joe says:

    CapitalOne Spark Biz card says: Earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first 3 months 1

    1.Existing or previous Spark cardholders may not be eligible for this one-time bonus.

    Anyone use the same SSN# get the $500 bonus again?


  10. Mike says:

    “Obviously setting up a business purely for signing up for credit cards is ridiculous”
    Don’t you love irony?

  11. Stephanie says:

    I got Amex Gold card for two businesses w/ separate EINs but only got the bonus on 1. They told me the bonus goes to the individual, not the business.

  12. Kevin says:

    I had applied for Business Gold card and closed it in 2013 (had used my employers SS number for business/EIN Number) and then had entered my Personal SS No under personal information and was approved.

    Now can i apply on my own (have my own business a Sole propreitor) and put my SS No as both sections for the 50/75k bonus version of this card, and be eligible for the Bonus again?

    Thanks, and any advice will be helpful.

  13. Applied Barclaycard JetBlue business today, 2 apps, 2 different businesses, first went to pending, second said already applied for the card in 30 days, don’t submit duplicate. So there is a rule to wait 30 days. After that I don’t yet know, never previously approved when there was a US Airways business.

  14. Dwayne C says:

    I’m trying to apply for us bank , citi, Amex and Bank of America business credit cards with a different business and EIN. I already have one of each for my first business. Amex and B.O.A was in 2014 and the other two cards were less than 30 days ago. My question is will they approve all cards for my new second business and will it be on my credit report again as an inquiry?

  15. Elliot says:

    Mixed results with Amex:
    – got bonus a second time on Delta business gold by opening with a different EIN
    – was told I wasn’t receiving the bonus again on Business Gold Rewards card despite opening with a different EIN because I’ve had it before. This was via chat and the first statement was just issued, so it’s possible the info isn’t reliable.

  16. Joe C. says:

    I signed up for a Marriott Business card in August 2016 with a different TIN from my other Marriott Business Card (got that with a signup bonus around August 2015). I did not receive the bonus. I contacted Chase and they told me that since my Marriott Rewards number received a signup bonus in the last 24 months, I’m ineligible. So I’m under the impression that the TIN doesn’t matter. They seem to look at the Marriott Rewards account number (business and personal cards separately). Let me know if you want a screenshot of the secure message from Chase.

  17. Gary says:

    I’ve been searching online, but I can’t really find the answer…
    Does having an EIN obligate one to file taxes regarding that EIN, assuming no income or payments were ever made under that EIN?

  18. HariOm says:

    For Amex, FM reported on 3/24/2017 that he was unable to get second signup bonus for a different business with different EIN.

    • Yea, I saw that. Will add that DP in.

      • dan says:

        How does this post work?
        I’m looking into Citi specifically.
        The following is in the body of this post regarding Citi:

        American Airlines: 1 (different EINs)”

        Is that a DP of some sort?
        I have a Citibusiness AA that’s like 10 years old and looking to apply for a new one. My old one is under my SSN as a sole prop and looking to apply for one under my business EIN. Any data on whether I’ll get the bonus will be greatly appreciated.

        Thank you

  19. VL says:

    Few weeks ago I had a conversation with Amex New Accounts representative, and specifically asked that question (had an offer from them for Business Gold), and was told that the bonus tracked on SSN of business owner, and I will not get it even if apply for another company (different EIN)…
    So, I never applied, but the lady I talked to was extremely sure, and I asked the same question few times rephrasing it.

    • dan says:

      This is true for Amex.
      I was asking about Citi.

      • VL says:

        Sorry, have no experience with Citi in that area.

        Also, additional DP: Amex offers are targeted specifically to the named recipient (wanted to use the same offer for my wife business instead of mine – can not do that).. unlike Chase – was able to use their offer for different names/companies for the same or even different address.

      • VL says:

        … my previous comment was not a reply to yours, it was just another DP. Sorry I made it sound like it is. Good luck

  20. VL says:

    WIll, I have a DP for Chase Ink Preferred card now… Do not see any more recent posts to add this to, so adding it here. Please feel free to move or reference this comment somewhere else if you deem it useful.

    In short – it works fine.

    I received a bonus in the beginning of 2017 for Ink Preferred under my business EIN (provided my SSN as an officer/owner), and just now received the bonus for the same card under my SSN when applied as a SP (well, technically have not received the bonus yet, but I do see the points in UR portal, which are going to post on the next statement, and the bonus points are shown there).

    Both times applied in the bank, but back in January via the regular Chase Computer System (bonus was 80K at that time), and now (applied in May) via the paper application with BRM (bonus is 100K as expected). This also confirms 100K bonus option via paper application with BRM (2 DPs in one).

    I was assured by a CSR (BRM contacted CS at the time of the application) that the bonus will apply, and indeed it worked as promised. CSR said that getting the bonus under EIN does not disqualify the owner/officer from receiving the same bonus as SP.

    I may be able to get one more DP on the same subject if decide to get the same card for my another corporation, and if I will do it I will let you know. If I do that I will wait till last moment (end of August when 100K paper app option expires) to space the applications as much as possible.

    Thank you for the great blog.
    Good luck

  21. Jen J says:

    DPs for Chase Ink biz cards:

    Context – Own two businesses, both in business for 2 years & on file w/ MN secretary of state in addition to Federal EIN registration, file quarterly taxes, etc.. All business cards included their respective EIN as well as my SSN on the application as the business owner/officer.

    5/24 status – started this year at 2/24. Have since applied for the following (all online applications):

    Jan – Ink Preferred (A) & CSR *Recon Ink Preferred – grilled by rep then approved, instant for CSR
    Mar – SW Premier Biz (A) *Recon then approved
    May – SW Plus Personal *Instant approval
    July – Ink Preferred (B) *Instant approval
    August – Ink Cash (B) *Instant approval

    80K UR signup bonus (2nd Ink Preferred bonus) just posted to my account for Biz B!!

    For anyone wondering, the bonus points DID show under next month’s earnings the business day after minimum spend was met/transaction posted to the account.

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