True, but if the OP is simply looking to minimize credit pulls, one can mix personal and business applications and it should only result in one pull if you call to be approved for both cards on the same day via two phone calls, having applied not on the same day. I say this because if your credit was pulled for one of your business cards within 30 days of when you want the personal card, you could freeze your applicable CRA, apply for the personal, get the bonus, and not have a new pull since they'll look at your "current" pull. YMMV, but if you get a credit analyst on the line, they should know how to do this.