You do need to own a business to apply for a business credit card. However, there is a fairly broad description of what a “business” is. For example, if you sell items online through sites like Amazon and eBay, you may qualify for a business credit card. Freelancers are also able to obtain business credit cards.
You can customize your debit or credit cards with a second line. Have a favorite nickname, sports team or just something fun you want to include?