Originally Posted by
Happy
Your assumption is wrong.
Credit card application has NOTHING to do with tax reporting.
OP, mia gives you a very good answer. Your rental property is as good as any business can get.
My assumption is not wrong. It is a valid response to the OP's question, "Is being a landlord for a second home a business?" She has a second home. It is rental income. It's not like the OP is in the business of leasing/managing a number of homes as a business.
I'm just going by the standard definition of a 'business' as an entity engaged in the trade of goods, services, or both to consumers. Would the IRS consider "rental income" as a business? No. Should the credit card issuer? Likely no, but pedantic aside, if people wants to futz with the definition of what is defined as a business for the purpose of applying for credit card, then it's fine, but let's call it what it is:
Can I apply for a business card if I don't have a business?