u/Techwiz34

After a week of looking at business credit card options, I pulled the trigger on the Blue Business Cash for my LLC. Applied using EIN and SSN and was instantly approved with $2000 SL.

Useful Data:
Chase 5/24: 1/24
Number of Hard Inquiries in last 24 months: 2
Income: $20k gross, $8500 of that from LLC
FICO Scores with sources: 739 EX (direct), 751 TU (C1 CreditWise), 766 EQ (MyFICO)
Number of Personal Revolvers: 3 with oldest opened in December 2021

Personal CR was SPed since business file is still young and limited information. I am reasonably certain they SPed from Experian.

Hi all! Now that it's been right at a year since starting my LLC and I have reasonable projections for revenue (and with it personal income), I'm looking at starting my business credit journey for cash flow reasons.

Current Personal Cards:

Colony Bank Platinum Visa (Elan), opened December 2021 with $1,500 SL

PayPal Credit (Synchrony), opened December 2022 with $2,000 SL

Wells Fargo Autograph, opened December 2025 with $2,500 SL

Oldest Account Age: 4 years 5 months

Chase 5/24: 1/24

Current scores with sources:
EX (direct): 739
TU (C1 CreditWise): 751
EQ (MyFICO): 766

Income: $20,000 projected with $8,500 of that being from the LLC.

Average Monthly Spend:

Dining: $550

Gas: variable, averages max of $100 on months I travel frequently.

Groceries: $150

Purpose of next card is to have a dedicated card for my LLC for business purchases, such as hardware for IT jobs or personal computer systems I build and sell as supplemental income for the business.

I have been interested in the new US Bank Business Prime Card. I have also considered the Chase Ink Business Cash and C1 Spark 1.5% or 2% cards.

The only category that would be important for my use is fuel, mostly because I use my personal vehicle when making trips to purchase hardware in person.

Additional Info: I ran the pre-approval tool on C1 website using my business EIN and personal SSN and it showed pre-approved offers for spark 1.5% and 2% and then the venture business cards.