Good news: business credit cards are available to anyone who is earning income for their services or goods. So you can qualify for a business card even if you’re a freelancer, an Uber driver, or an Etsy seller—no EIN required. Just be aware that business credit cards are supposed to be used for business spending only. Businesses that violate this rule may lose access to their business card perks, or the card issuer may decide to close the account. So unless you’re really planning to use your business card for office supply runs and other pertinent business expenses, you may want to use a personal card instead.