Trying to get a Business Credit Card (American Express Blue Business Plus Application)

[evanmoore1234]

I just applied for an American Express Blue Business Plus Credit Card last month. After the application it was pending, and I had to send in a 4506-C form, along with a bunch of bank statements, apparently they only needed only 1 account of statements, but I used my household income, so I had to send statements from my parents too, and I sent in some from my business bank account too even though I never use it. 

 

I was hoping that I would be accepted, and I was almost sure of it considering my 754 Experian score I had while applying. However, to my surprise I opened the American Express Application Status website tonight, and it says Denied.

 

Obviously its super unfortunate, as I was looking forward to starting my business credit journey, which I have been eager about, and getting a Chase Ink Card after, but now it is kind of starting to look otherwise.

 

I think my next step is probably going to be calling the reconsideration line in a minute here once it opens, and if not I can just apply after I get a thicker file. I am about to add my first open installment loan so I'm expecting a small boost from that too.

 

What do you guys think are the next steps if I can't get reconsidered? Waiting it out? Just using my personal income on my application? Try to get approved for the Chase Ink first? A business secured credit card? I'm not really too invested in business credit so obviously I'm trying not to tie up any money but still get my foot through the gate, leaving secured products as a last resort as I see business credit as more of a hobby

Edited July 14, 2025 by evanmoore1234

[MarvBear]

Welcome to our community here at Creditboards.

[evanmoore1234]

On 7/14/2025 at 10:56 AM, MarvBear said:

Welcome to our community here at Creditboards.

Thank you

[ShawnPY1972]

On 7/14/2025 at 5:05 AM, evanmoore1234 said:

I just applied for an American Express Blue Business Plus Credit Card last month. After the application it was pending, and I had to send in a 4506-C form, along with a bunch of bank statements, apparently they only needed only 1 account of statements, but I used my household income, so I had to send statements from my parents too, and I sent in some from my business bank account too even though I never use it. 

 

I was hoping that I would be accepted, and I was almost sure of it considering my 754 Experian score I had while applying. However, to my surprise I opened the American Express Application Status website tonight, and it says Denied.

 

Obviously its super unfortunate, as I was looking forward to starting my business credit journey, which I have been eager about, and getting a Chase Ink Card after, but now it is kind of starting to look otherwise.

 

I think my next step is probably going to be calling the reconsideration line in a minute here once it opens, and if not I can just apply after I get a thicker file. I am about to add my first open installment loan so I'm expecting a small boost from that too.

 

What do you guys think are the next steps if I can't get reconsidered? Waiting it out? Just using my personal income on my application? Try to get approved for the Chase Ink first? A business secured credit card? I'm not really too invested in business credit so obviously I'm trying not to tie up any money but still get my foot through the gate, leaving secured products as a last resort as I see business credit as more of a hobby

 

I would go for the reconsideration and see what they say.  Also, you can apply for a personal American Express card and in 6 or 12 months apply for the business card and you'll have an easier time getting approved for the business card because you will be a current card member. 

 

You also might want to work on establishing business credit as well with other lenders to thicken your business credit file.