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Business Credit Cards

What makes a business credit card different, and what small business owners should check before applying.

Business cards help owners separate business spending from personal spending. Separate records can make bookkeeping and tax time simpler. However, a business card is not always separate from you: many issuers ask the owner to accept personal responsibility for the debt.

Start with these related guides

Questions to ask

  • Am I personally liable for the balance, as the agreement describes it?
  • Does the issuer report activity to my personal credit reports?
  • Do the consumer protections I expect on a personal card apply to this account? Ask, and read the agreement.
  • Do the rewards categories match how the business actually spends?

We have not yet published a full business card guide. For tax and legal questions, speak with a qualified professional.