I'm not the one to say you do or don't qualify. But my own decision was guided by what I read here about Amex occasionally asking to do a financial review, which amounts to you giving them access to your tax return. I wanted to be able to point to evidence in my tax return that I have legitimate business income. I have no idea what Amex would do if they wanted to do a FR and I couldn't provide evidence that I actually have a business. Probably nothing much, maybe cancel the card - if anyone who does know could chime in, that would be appreciated!