Writer: Eric Bank
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
By law and custom, you can use your personal credit card to cover business expenses. Which begs the question: Should you?
For many small business owners, the answer is yes. The Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) of 2009 provides personal card users with legal protections that don’t apply to business cardholders. But business cards also offer advantages, including flexibility and free employee cards, an essential consideration if you plan to give your workers autonomy and access to their own company cards.
Entrepreneurs may solve the dilemma by owning both kinds of cards. But if you want to own just one type, personal cards are the way to go. As we explain below, you shouldn’t use business cards for personal expenses. The following review ranks the best personal credit cards for business expenses by credit type and answers several questions about credit card use.
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Best Personal Cards For Excellent Credit (740+ FICO)
The top echelon of personal credit cards serves consumers with FICO scores of 740 and higher. These cards reward you for achieving an excellent FICO rating. The range of annual fees these cards charge shows that you don’t need to spend much to get a superior card.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on everyday purchases, with no annual fee and no foreign transaction fees and your points don’t expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants, including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% – 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
+ See More Cards For Excellent Credit
Personal cards for excellent credit may offer generous perks that save you money and provide other valuable benefits. Company owners will find many of our reviewed cards suitable for business use.
Best Personal Cards For Good Credit (670-739 FICO)
FICO defines good credit as a credit score above 670. This range of scores covers a large swath of cardholders. These cards may include rewards and benefits that overlap those for cards for excellent credit.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
- Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 15 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
+ See More Cards For Good Credit
Whether you’re looking for a 0% intro APR, a signup bonus, handsome rewards, or plenty of benefits, you should have no problem finding an ideal card to serve your personal and business needs.
Best Personal Cards For Fair Credit
Folks with fair credit (FICO scores 580 to 669) may have experienced financial challenges that put the best credit cards out of reach. But the following cards offer attractive features, including cash back, balance transfer transactions, and low annual fees.
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
- Top rated mobile app
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
- Be automatically considered for a higher credit line in as little as 6 months
- Help strengthen your credit for the future with responsible card usage
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
- Top rated mobile app
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem cash back for any amount
- No credit score required to apply.
- No annual fee and build credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% – 25.49% applies.
- Terms and conditions apply.
+ See More Cards For Fair Credit
Cards for fair credit typically have lower credit limits and higher APRs, but they can still be helpful for moderate business purchases and expenses. But be sure to compare fees, which can vary widely.
Best Personal Cards For Bad Credit
The following cards are available even if your FICO score is below 580. You may have a choice between an unsecured credit card and a secured credit card. Unsecured cards are more expensive but don’t require a deposit. Secured cards can offer better perks, but you need to deposit an amount equal to your credit line.
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Top rated mobile app
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
- Top rated mobile app
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
+ See More Cards For Bad Credit
Even with bad credit, You may be able to establish a credit line of at least $700, and some secured cards accept deposits as high as $5,000. Be sure to read each card’s fine print to understand the costs and limitations.
Reasons to Use a Business Card For Business Expenses
Undoubtedly, having separate credit cards for personal and business expenses is the best way to manage your finances. Here are several reasons why you should consider owning a business credit card:
- Separation of personal and business expenses: Separating personal and business expenses makes bookkeeping and tax preparation easier. A business card allows you to categorize and track your money without identifying personal expenditures.
- Higher credit limits: Business credit cards may provide substantially higher credit limits. This can come in handy when purchasing big-ticket items, including office furniture and communications equipment.
- Business-specific rewards and perks: Along with higher credit limits, business cards typically offer bigger signup bonuses in the form of cash back, points, or miles. They frequently skew their rewards toward typical office expenses. Some airlines provide co-branded business cards that help you accumulate frequent flyer miles on business trips.
- Enhanced reporting features: Business cards often provide year-end reports that detail and summarize your spending. These reports can help you revise and track your budget. Several business cards offer downloads that integrate with popular accounting platforms.
- Build business credit history: You can use a business card to establish and build your company’s credit profile. Doing so will make obtaining business loans easier and eliminate the need for personal guarantees. A solid credit profile can help you compete for business and government contracts.
- Employee cards: You can issue credit cards to employees by making them authorized users. Many business cards offer this service free of charge and let you customize employee spending limits at the employee level. Spending management can also help you keep tabs on business expenditures.
- Improved cash flow management: You can use a business card to optimize cash flows. For example, you may want to take advantage of early payment discounts or delay payments due to cyclical sales. Sometimes you may have to make substantial purchases for a client before receiving payment. A business card with a high credit limit helps you navigate those contingencies.
- Eligible purchase protection and insurance: Business credit cards frequently come with eligible purchase protection, travel insurance, extended warranties, and other features that can save your business money. These features can also provide busy entrepreneurs with valuable peace of mind
The best personal credit cards may provide advantages, but we aren’t aware of any that deliver as much for businesses as dedicated business credit cards.
Best Business Cards
The following cards offer higher credit lines and first-class perks. Each provides a unique mix of rewards, signup promotions, and business-oriented benefits. Pay close attention to their travel rewards if your business requires frequent trips.
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You’ll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter), and 1% cash back on all other purchases.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
- Contactless Cards – The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
- $500 Online Cash Rewards Bonus Offer: Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for our highest Preferred Rewards for Business tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your eligible Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 7 billing cycles. After the intro APR offer ends, a Variable APR that’s currently 16.74% to 26.74% will apply.
- Contactless Cards – the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
The best business cards don’t have to cost much, as some charge a $0 annual fee. But these cards typically require business owners to have good credit.
What Is the Difference Between a Personal and Business Card?
We’ve described some benefits of using a small business credit card for company expenses. Now let’s focus on the main differences between the two card types.
Intended Use
Not surprisingly, issuers of business credit cards intend cardmembers to use the products for business expenses. For the reasons explained earlier, you should use a personal credit card for your personal expenses, but there is no prohibition against using it to pay business bills.
Application Process
When you apply for a personal credit card, the issuer relies on credit scores and reports to make approval decisions. The card issuer may also review your income, debts, and housing costs. You must supply a Social Security Number to obtain most personal credit cards.
Issuers of business credit cards also look at the company’s credit profile, revenue, and years in operation. But if the business is small, issuers will still consider your personal creditworthiness as a critical factor. That’s because, typically, a small business credit card requires the owner to personally guarantee payment if the business can’t pay its bills.
Suppose you are the responsible officer of a corporation, limited liability company (LLC), or limited partnership (LP). In that case, you will need an Employer Identification Number (EIN) from the IRS to get a business credit card.
The card application will also require information about the type of business, company address, number of employees, and annual revenue.
Reporting to Credit Bureaus
Personal credit cards report payments to the major consumer credit bureaus (Experian, Equifax, and TransUnion). Business credit cards typically report to the commercial bureaus, of which the big three are Dun & Bradstreet, Experian, and Equifax. Some business card providers may also report to consumer credit bureaus.
Credit Building
A personal credit card helps you build an individual credit profile by reporting payments to the consumer bureaus. You can build credit by paying on time and keeping your debt levels relatively low.
The easiest way to establish a business profile is to get a DUNS number from Dun & Bradstreet (D&B). You can visit the D&B website to obtain a unique nine-digit DUNS number. Many businesses and lenders require you to have a DUNS number before they work with your company. You also need a DUNS number to qualify for a federal grant.
D&B provides a Paydex score when you establish a profile. Paydex works differently from FICO in that your score benefits when you pay bills before their due date. Otherwise, Paydex uses standard criteria, including on-time payment and low credit utilization, to assign a score.
Equifax and Experian, the other major commercial credit bureaus, do not require a special identifier to track your business.
Once set up, your business can build credit by paying bills on or ahead of time and keeping debt levels low. A business bank account with no bounced checks or unpaid fees may also help build credit.
Your business can also build credit by opening trade lines with vendors and suppliers. Trade lines extend credit to customers who purchase supplies or inventory. If vendors don’t report payments to a credit bureau, you can add the vendors to your D&B account, which allows D&B to collect that trade line data.
Credit Limits
Given your credit score, you are more likely to get a higher limit from a business credit card because the issuer considers both business revenue and personal income. A business with more earnings will likely get a higher limit than a personal card would.
You can maximize your business credit limit if you and your business have excellent credit profiles. By paying bills on time and keeping your debt levels low, you may also see periodic increases to your credit limit.
Introductory 0% APR Promotions
Many personal and business credit cards offer new card members a 0% APR on purchases or balance transfer transactions for a specified period after account opening. Business cards tend to have longer introductory periods, but you should compare cards based on your needs.
For example, startup businesses could take advantage of long intro periods after account opening by purchasing furniture and equipment immediately while paying them off at leisure.
Interest Rates
Interest rates depend more on credit scores than card type. Credit cards for applicants with high credit scores typically charge significantly lower APRs than do cards for bad credit. Improving your creditworthiness is the surest way to qualify for cards with lower interest rates.
Remember that the interest rate will always be 0% if you pay your entire balance each month. But business owners often juggle conflicting pressures, so it may make sense to finance purchases over several months despite the interest charges.
Consumer Protection Laws
Many consumer protection laws, including the CARD Act of 2009, apply to personal credit cards. But consumer regulations don’t always apply to business credit cards.
Personal cards enjoy these protections:
- Lower penalty fees
- 45-day notice of APR increases
- Payments exceeding the minimum must go first toward the balances with the highest interest rates
- Restrictions on interest rate hikes during the first year
- Introductory promotional rates must last at least six months
- A clear description of a personal card’s terms and conditions
On the other hand, even the best business credit card may be subject to higher penalty fees, less transparent disclosures, and unrestricted APR increases. Some business cards may offer protections similar to those for personal cards, but business owners should read the terms and conditions to make sure.
Is It Illegal to Use a Company Card For Personal Expenses?
You’re not breaking the law if you are a sole proprietor and use your company card to pay for personal expenses. But it is not a good idea because you must ensure you don’t negatively impact the company’s books or take a tax deduction for personal expenses.
Misusing a business card for personal expenses can be problematic or potentially illegal if you own an LLC or corporation since these are legal entities separate from the owner. That means business credit card misuse may saddle you with personal liabilities for business debts and other legal complications.
The picture is worse for employees who misuse a card for personal expenses without authorization. The offense depends on the circumstances, but potential crimes include theft, embezzlement, and fraud if the employee planned to misuse the card.
On the other hand, if an employee simply makes a mistake, including pulling out the wrong card, reimbursement and a warning may be sufficient to prevent a recurrence.
Owners should review the use of a company card when they provide one to an employee. The review should include the penalties for misuse. Company owners would be wise to equip their business cards with financial controls and audit procedures.
Do Issuers Pull Personal Credit For Business Cards?
If you run a small business, a card issuer will likely pull your personal credit file when you apply for a business card. They do this because most require you to guarantee your business card’s debts personally and want to ensure you’re up to the task, financially.
Your personal credit score may indicate how well you can meet your financial responsibilities.
Must I Own a Business to Get a Business Credit Card?
Anyone from a corporate CEO to a freelance consultant can get a business card, but yes, you must be a business owner to acquire one. You’ll pass muster if you are self-employed, even part-time.
When you apply for a business card, the issuer will typically ask for the following:
- Business name: If you don’t have a formal business name, use your name.
- Business contact information: This is where you would enter your business address and phone number. Once again, you can use your personal address and phone number if you don’t have a separate address.
- Identification: You can use your Social Security Number if you are a sole proprietor or one-person LLC. Otherwise, you’ll need an Employer Identification Number (EIN) to show it is a separate legal entity.
- Industry: The government uses a coded system to identify most industries. The issuer may provide a lookup table or offer its own industry list.
- Business type: Choices include sole proprietorship, LLC, corporation, partnership, or limited partnership (LP). You can choose sole proprietorship if you haven’t adopted a formal business structure. The IRS treats a one-person LLC as a sole proprietorship for tax purposes.
- Business facts: These include your annual revenues, expenses, and time in business.
- Personal guarantee: Most business cards require you to sign a personal guarantee should the company become insolvent or otherwise unable to pay its credit card debt. Consider getting a corporate card, including Brex or Ramp, to avoid a personal guarantee.
You can declare yourself the owner of a sole proprietorship, and the credit card companies will likely never ask for proof. That means almost anyone can get a business credit card.
But as we discussed earlier, even the best business credit card offers fewer protections than personal cards, so getting a business card to use on a few business-related purchases may not be worthwhile.
Run Your Business Your Way
You’re the boss, so you call the shots. You can get a personal credit card to cover all your expenses — personal and business — but we’ve laid out several compelling reasons to own a separate business card for your company.
If you do want a personal card for your business, we suggest you give our reviewed cards a close look. On the other hand, our picks for the best business cards may sway you to makes the move to keep your expenses separate. Your accountant and tax preparer will thank you — even if you fill both of those roles for your small business.
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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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