What are the practical differences between a AU for personal card, vs employee card for Business AMEX? Applying for AU on my personal AMEX was easy, but when I try to create an employee card for my business card, it's a little different and says I'll have to give employee DOB and SSN for activation. Not a huge deal, but new to me. I know being an AU does affect your total CL and credit usage; I assume having a business employee card does not?