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Credit Card Applications » Questions » FAQs » Credit Cards for Business » How does a business card affect my personal credit score?

How does a business card affect my personal credit score?

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Leo Zhu

Separating your business credit from your personal credit is a smart move, and getting a business credit card is a great way to do this. There are specialized business credit bureaus that track the behavior of business credit card holders.

If your business has a separate tax ID, use that to apply for your business credit card. That way the account activity will not be reported on your personal credit history. In some cases you will still ultimately be liable for the line of credit extended to your business, so make sure to ask your issuer about this when you apply.

Having a separate tax ID for your business and using a business credit card for your business purchases and a consumer card for your personal purchases is the best way to keep your business and personal credit separate.

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