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5 Banks will Approve a New LLC $50,000 Without Proof of INCOME!It is possible to open a business credit card without a registered business like an LLC or a corporation. If you earn money independently, you're likely eligible for a business credit card�even if you don't have a formal business. To answer the question: Yes, you need a business to open a business credit card. But it's important to define what exactly is a "business.".