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Do business credit cards impact my credit score? - The Points Guy
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class="jsx-416730657 byline"><div class="jsx-431999578 tooltip"><button on="tap:tooltip-byline" class="jsx-431999578 triggerText"><span class="jsx-431999578 triggerText">Mike Cetera</span></button><div class="jsx-431999578 dialog false undefined"><div class="jsx-431999578"><div class="jsx-416730657 authorDialog"><div class="jsx-416730657 contact"><div class="jsx-416730657 avatar"><svg fill="none" viewBox="0 0 231 228" xmlns="http://www.w3.org/2000/svg"><circle cx="114" cy="114" fill="#F5F5F7" r="109" stroke="url(#paint0_linear_2408_8630)" stroke-width="10"></circle><mask height="208" maskUnits="userSpaceOnUse" style="mask-type:luminance" width="208" x="10" y="10"><circle cx="114" cy="114" fill="#fff" r="104"></circle></mask><g clip-path="url(#clip0_2408_8630)" fill="#162433"><path clip-rule="evenodd" d="M114 52.056c-17.027 0-30.83 13.867-30.83 30.972S96.972 114 114 114c17.028 0 30.831-13.867 30.831-30.972S131.028 52.056 114 52.056zM94.38 83.028c0-10.885 8.784-19.71 19.62-19.71s19.62 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0H112V124H0z" fill="#fff" transform="translate(58 52)"></path></clipPath></defs></svg></div><div class="jsx-416730657 nameTitle"><a href="/author/mikecetera/" style="font-size:14px" class="jsx-416730657 authorName">Mike Cetera</a><div class="jsx-416730657 role">Contributor</div></div></div></div><div class="jsx-431999578 pointer"></div></div></div></div></div><span class="jsx-444286861 authorAndText">and</span><div class="jsx-416730657 byline"><div class="jsx-431999578 tooltip"><button on="tap:tooltip-byline" class="jsx-431999578 triggerText"><span class="jsx-431999578 triggerText">Danyal Ahmed</span></button><div class="jsx-431999578 dialog false undefined"><div class="jsx-431999578"><div class="jsx-416730657 authorDialog"><div class="jsx-416730657 contact"><div class="jsx-416730657 avatar"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:100%"></span><img alt="Danyal Ahmed" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Danyal Ahmed" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="/_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=640&q=75 640w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=750&q=75 750w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=828&q=75 828w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=1080&q=75 1080w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=1200&q=75 1200w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=1920&q=75 1920w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=2048&q=75 2048w, /_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=3840&q=75 3840w" src="/_next/image/?url=https%3A%2F%2Fthepointsguy.global.ssl.fastly.net%2Fus%2Foriginals%2F2023%2F10%2FDAhmed-Headshot-bio.jpg&w=3840&q=75"/></noscript></span></div><div class="jsx-416730657 nameTitle"><a href="/author/sahmed/" style="font-size:14px" class="jsx-416730657 authorName">Danyal Ahmed</a><div class="jsx-416730657 role">Credit card writer</div></div></div><div class="jsx-416730657"><span class="jsx-416730657 bio">Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.</span></div></div><div class="jsx-431999578 pointer"></div></div></div></div></div></div><div class="jsx-3122506519 temporal"><div class="jsx-3122506519">Feb. 14, 2025</div><div class="jsx-3122506519">•</div><div class="jsx-3122506519">6 min read</div></div><div class="jsx-3090580028 featuredImageWithToc"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:absolute;top:0;left:0;bottom:0;right:0"><img alt="Woman paying bills with a credit card" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/Woman-paying-credit-card-bills-on-computer-at-home_damircudic.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/Woman-paying-credit-card-bills-on-computer-at-home_damircudic.jpg?width=750 750w, 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4.894 3.667 7.4M16.737 1.366 9.972 6.03a1.71 1.71 0 0 1-1.944 0L1.263 1.366" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.3"></path></svg></div><div class="jsx-368394043 label">Email</div></a></li></ul></div></div></div><div class="jsx-de4115f42c48e362 jsx-2927102002 progress"></div></div></div><div aria-hidden="true" class="jsx-de4115f42c48e362 jsx-2927102002 backdrop"></div><div class="jsx-1875764269 Article_parallel__sFvdV"><div class="jsx-1875764269 Article_contentWithToc__nGpJi"><div class="jsx-2099115934 topElements"><div class="jsx-611272369 topDisclaimer">The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our<!-- --> <a href="/advertising-policy/" class="jsx-611272369">advertising policy</a> and<!-- --> <a href="/review-methodology/" class="jsx-611272369">product review methodology</a> for more information.</div><div class="jsx-843455135 editorsNote"><h3 class="jsx-843455135 title">Editor's Note</h3><div class="jsx-843455135 note">This is a recurring post, regularly updated with new information.</div></div></div><div class="jsx-2309406147 body articlePage"><div class="Mobiledoc"><p>Business owners should consider opening a <a href="https://thepointsguy.com/credit-cards/business/">small-business credit card</a> to keep that credit line off their personal credit file. And while some issuers only <a href="https://thepointsguy.com/credit-cards/how-to-build-business-credit/" rel="noopener noreferrer" target="_blank">report business card activity to business credit bureaus</a>, the practice is not universal. That could mean your issuer is reporting your good — or bad — actions to consumer credit bureaus, just like with your personal credit cards.</p><p>Although opening a business credit card can help you <a href="https://thepointsguy.com/credit-cards/need-business-for-business-credit-card/" rel="noopener" target="_blank">separate your business expenses from your personal ones</a>, if the issuer reports your card activity to a consumer bureau, it could affect personal credit — even if you pay your bills on time and in full every month.</p><a id="how-do-business-credit-cards-affect-personal-credit" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">How do business credit cards affect personal credit?</h2><p>If your <a href="https://thepointsguy.com/credit-cards/how-business-credit-card-could-help-personal-credit-scores/" rel="noopener" target="_blank">business card activity appears on your personal credit report</a>, it will have the same impact as your other credit cards.</p><p>For issuers that report business card activity to personal reports, there's one major exception to this rule: If you have employees with access to your business credit card as authorized users, it should appear only on your credit report.</p><p>If you stop paying your credit card bill, you will be responsible for what's owed. American Express and Chase require joint and several liability. This means that you and your business are liable for repayment, and thus, your card activity will be reported to one or more business credit bureaus.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">HERO IMAGES/GETTY IMAGES</figcaption></figure><p>Business credit bureaus — including Dun & Bradstreet, Equifax and Experian — look for trends in business credit card activity similar to that of consumer bureaus.</p><p>Experian says payment history is the top factor to consider when looking to improve your business score; other factors include money owed, business establishment history and negative marks on your credit.</p><p>About two-thirds of your <a href="https://thepointsguy.com/credit-cards/how-credit-scores-work/" rel="noopener" target="_blank">credit score</a> is determined by your payment history and what you owe. Stay in control by always paying your bill on time and in full. Despite this, the issuer may report your account status to the credit bureaus before your monthly payment clears; this means your <a href="https://thepointsguy.com/credit-cards/credit-utilization-ratio-guide/" rel="noopener" target="_blank">credit utilization ratio</a> may be reported to be higher, affecting your creditworthiness.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/how-to-improve-credit-score/" rel="noopener" target="_blank">6 things to do to improve your credit score</a></strong></p><div class=" EmailSignUp_container__qYzYT undefined EmailSignUp_isLoading__i_qm0 "><picture class="EmailSignUp_graphic__zgpFm"><source media="screen and (max-width: 767px)" srcSet="/images/EmailSignUp/daily-mob.svg"/><img alt="" src="/images/EmailSignUp/daily-dt.svg"/></picture><div class="EmailSignUp_form__C8FWb"><div class="EmailSignUp_label__fKFKM">Daily Newsletter</div><div class="EmailSignUp_heading__9Nmt4">Reward your inbox with the TPG Daily newsletter</div><div class="EmailSignUp_description__uBGT6">Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts</div><form class="jsx-1071010234 newsletter-form"><div class="jsx-1071010234 newsletter-form__input EmailCapture_instanceArticle__Ahmj_ instanceHomepageNLSignup"><div class="jsx-3240391286 Input_containerGray__8NCcO Article tw-rounded-lg"><input data-label="Email address" id="Article" name="email" placeholder=" " required="" type="email" class="jsx-3240391286 Input_field__nVOw6"/><label for="Article" class="jsx-3240391286 Input_placeholder__yjvvV">Email address</label></div><span><div class="jsx-1071010234 tw-flex tw-h-full tw-items-center tw-justify-center"><button class="tw-heading-10 tw-inline-flex tw-max-h-12 tw-min-h-10 tw-items-center tw-justify-center tw-gap-3 tw-whitespace-nowrap tw-rounded-full tw-px-6 tw-py-2 tw-transition-colors disabled:tw-pointer-events-none tw-bg-cta-blue tw-text-white tw-outline-2 tw-outline-offset-1 tw-outline-cta-blue hover:tw-bg-cta-hover hover:tw-text-white focus:tw-outline disabled:tw-bg-gray-3 tw-w-full tw-border-none">Sign up</button></div></span></div><div class="jsx-1071010234 EmailCapture_confirmation__xasB3 EmailCapture_noCheckbox__n4fsN "><div style="align-items:center" class="jsx-3584303912 legalText legalText-B"><span class="jsx-3584303912">By signing up, you will receive newsletters and promotional content and agree to our<!-- --> <a href="/terms-of-use/" target="_blank" class="jsx-3584303912">Terms of Use</a> <!-- -->and acknowledge the data practices in our<!-- --> <a href="/privacy-policy/" target="_blank" class="jsx-3584303912">Privacy Policy</a>. You may unsubscribe at any time.</span></div></div></form></div></div><a id="business-credit-card-credit-reporting-by-issuers" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Business credit card credit reporting by issuers</h2><p>We contacted more than a half dozen issuers to ask about their reporting policies on their small-business credit card lines. Some issuers were more forthcoming than others, but they all indicated they make a hard inquiry (or at least reserve the right to) on your personal credit report during the application process.</p><p>A <a href="https://thepointsguy.com/credit-cards/hard-pull-vs-soft-pull-credit-report/" rel="noopener" target="_blank">hard pull</a> can cause a small, temporary drop in your credit score, but reporting regular activity can have more lasting implications — especially if your business runs up big monthly credit card bills.</p><div class="jsx-3297233758 tpg-table "><div tabindex="0" class="jsx-3297233758"><table class="jsx-3297233758"><thead class="jsx-3297233758"><tr class="jsx-3297233758"><th class="jsx-3297233758"><strong>Issuer</strong></th><th class="jsx-3297233758"><strong>Credit check with consumer credit bureaus during the application process?</strong></th><th class="jsx-3297233758"><strong>Credit check with business credit bureaus during the application process?</strong></th><th class="jsx-3297233758"><strong>Reports card activity to consumer credit bureaus?</strong></th><th class="jsx-3297233758"><strong>Reports card activity to business credit bureaus?</strong></th></tr></thead><tbody class="jsx-3297233758"><tr class="jsx-3297233758"><td>American Express</td><td>Yes</td><td>Yes</td><td>Yes, in the event of a default</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Bank of America</td><td>Yes</td><td>Yes</td><td>No</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Barclays</td><td>Yes</td><td>Yes</td><td>Mixed reports</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Brex</td><td>No</td><td>No</td><td>No</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Capital One</td><td>Yes</td><td>Yes</td><td>Declined to answer, but reports indicate yes</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Chase</td><td>Yes</td><td>Yes</td><td>"Business Card Customers may be reported to Consumer Credit Bureaus per bank policy"</td><td>Accounts "are reported to the commercial credit bureau"</td></tr><tr class="jsx-3297233758"><td>Citi</td><td>Yes</td><td>Yes</td><td>No</td><td>Yes</td></tr><tr class="jsx-3297233758"><td>Wells Fargo</td><td>Yes</td><td>Yes</td><td>No</td><td>Yes, Wells Fargo reports to the Small Business Financial Exchange</td></tr></tbody></table></div></div><a id="what-types-of-business-credit-card-activity-are-reported-to-the-credit-bureaus" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">What types of business credit card activity are reported to the credit bureaus?</h2><p>Some issuers are less clear about the circumstances under which they'll report business card activity to personal bureaus. However, based on reader reports and other sources, we can determine their usual practices.</p><p><a href="https://thepointsguy.com/credit-cards/capital-one/">Capital One</a> declined to say whether it reports any activity to either consumer or commercial bureaus, but it has previously acknowledged it reports to both types of bureaus. Capital One typically only reports to personal credit if the account is not in good standing.</p><figure class="jsx-1853040249 tpg-figure"><div style="padding-top:0" class="jsx-36530878 full-width-auto-height-image"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.67188233453294%"></span><img alt="" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="" loading="lazy" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" sizes="100vw" srcSet="https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=640 640w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=750 750w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=828 828w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=1080 1080w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=1200 1200w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=1920 1920w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=2048 2048w, https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=3840 3840w" src="https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg?width=3840"/></noscript></span></div><figcaption class="jsx-1853040249 figcaption">HERO IMAGES/GETTY IMAGES</figcaption></figure><p><a href="https://thepointsguy.com/credit-cards/american-express/">American Express</a> explicitly states business card account information "is reported to both the consumer and commercial bureaus." <a href="https://thepointsguy.com/credit-cards/chase/">Chase</a> states it may report business cards, but reader reports state it isn't routine and occurs with a negative trigger on a business account.</p><p>Barclays says it reserves the "right to obtain a current consumer and business credit report" and the "right to report to others." Cardholders give mixed reports on their practices. Readers report that most <a href="https://thepointsguy.com/credit-cards/citi/">Citi</a> business cards are not reported on personal credit reports.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/reasons-to-get-business-credit-card/" rel="noopener" target="_blank">9 reasons to get a business credit card</a></strong></p><a id="bottom-line" class="jsx-2362441780 anchor"></a><h2 class="jsx-2362441780">Bottom line</h2><p>It's not the end of the world if your business credit cards affect your personal credit report — just make sure you're a responsible cardholder. Pay special attention to following these rules to keep your credit score from being negatively affected:</p><ul><li>Pay your card bills on time every time.</li><li>Try to stay well below your credit limit.</li></ul><p>If you consistently exceed that limit, ask your issuer for a higher limit or switch to a card with <a href="https://thepointsguy.com/credit-cards/credit-vs-charge-cards/" rel="noopener noreferrer" target="_blank">no preset spending limit</a>. Since charge cards have no preset limit, activity won't impact your utilization ratio.</p><p>To learn more, read our guide on <a href="https://thepointsguy.com/credit-cards/guide-to-applying-small-business-credit-cards/" rel="noopener" target="_blank">how to get a business credit card</a>.</p><p><strong>Related: <a href="https://thepointsguy.com/credit-cards/ways-you-might-be-eligible-for-business-credit-card/" rel="noopener" target="_blank">Who qualifies for a business credit card?</a></strong></p></div></div><div class="jsx-3814564231 featuredImageCredit">Featured image by <!-- -->DAMIRCUDIC/GETTY IMAGES</div><div class="jsx-3000030127 bottomDisclaimer">Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.</div></div></div><div class="jsx-1875764269"></div><div class="jsx-1875764269 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A Red Ventures company.</span></div></div></div></footer></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"dehydratedState":{"mutations":[],"queries":[{"state":{"data":{"resolution":{"destination":null,"query":"Article","status":200}},"dataUpdateCount":1,"dataUpdatedAt":1739546873806,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["Resolution","/credit-cards/business-credit-cards-that-affect-personal-credit/",null],"queryHash":"[\"Resolution\",\"/credit-cards/business-credit-cards-that-affect-personal-credit/\",null]"},{"state":{"data":{"article":{"authors":[{"avatar":null,"bio":null,"email":null,"facebook":null,"id":"mikecetera","instagram":null,"linkedIn":null,"name":"Mike Cetera","slug":"mikecetera","tikTok":null,"title":null,"twitter":null},{"avatar":{"credit":"","edition":"US","height":2420,"id":"1558941","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/10/DAhmed-Headshot-bio.jpg","title":"DAhmed Headshot bio","type":"image/jpeg","width":1179},"bio":"Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.","email":"danyal.ahmed@thepointsguy.com","facebook":null,"id":"sahmed","instagram":null,"linkedIn":null,"name":"Danyal Ahmed","slug":"sahmed","tikTok":"https://www.tiktok.com/@pointstoplanes","title":"Credit card writer","twitter":null}],"cardTileOnPrp":null,"category":{"id":"3084","name":"Guide","pathname":"/guide"},"content":{"atoms":[],"cards":[["tpgH2",{"tpgH2":{"id":"how-do-business-credit-cards-affect-personal-credit","title":"How do business credit cards affect personal credit?"}}],["tpgNewsletterCallout",{"tpgNewsletterCallout":{"defaultLocation":true}}],["tpgFigure",{"tpgFigure":{"caption":"HERO IMAGES/GETTY IMAGES","image":{"alt":"","caption":"HERO IMAGES/GETTY IMAGES","credit":"HERO IMAGES/GETTY IMAGES","edition":"US","height":1067,"id":"535904","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2018/08/IMG-SmallBusinessPersonal.jpg","title":"Pensive senior male entrepreneur looking out window","type":"image/jpeg","width":1600}}}],["tpgH2",{"tpgH2":{"id":"business-credit-card-credit-reporting-by-issuers","title":"Business credit card credit reporting by issuers"}}],["tpgTable",{"tpgTable":{"hasStickyLeftColumn":false,"rows":[["\u003cstrong\u003eIssuer\u003c/strong\u003e","\u003cstrong\u003eCredit check with consumer credit bureaus during the application process?\u003c/strong\u003e","\u003cstrong\u003eCredit check with business credit bureaus during the application process?\u003c/strong\u003e","\u003cstrong\u003eReports card activity to consumer credit bureaus?\u003c/strong\u003e","\u003cstrong\u003eReports card activity to business credit bureaus?\u003c/strong\u003e"],["American Express","Yes","Yes","Yes, in the event of a default","Yes"],["Bank of America","Yes","Yes","No","Yes"],["Barclays","Yes","Yes","Mixed reports","Yes"],["Brex","No","No","No","Yes"],["Capital One","Yes","Yes","Declined to answer, but reports indicate yes","Yes"],["Chase","Yes","Yes","\"Business Card Customers may be reported to Consumer Credit Bureaus per bank policy\"","Accounts \"are reported to the commercial credit bureau\""],["Citi","Yes","Yes","No","Yes"],["Wells Fargo","Yes","Yes","No","Yes, Wells Fargo reports to the Small Business Financial Exchange"]]}}],["tpgH2",{"tpgH2":{"id":"what-types-of-business-credit-card-activity-are-reported-to-the-credit-bureaus","title":"What types of business credit card activity are reported to the credit bureaus?"}}],["tpgFigure",{"tpgFigure":{"caption":"HERO IMAGES/GETTY IMAGES","image":{"alt":"","caption":"HERO IMAGES/GETTY IMAGES","credit":"HERO IMAGES/GETTY IMAGES","edition":"US","height":4261,"id":"489225","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2018/06/IMG-SmallBusinessRules.jpg","title":"Female cafe business owner talking on cell phone, working at laptop","type":"image/jpeg","width":6391}}}],["tpgH2",{"tpgH2":{"id":"bottom-line","title":"Bottom line"}}]],"markups":[["a",["href","https://thepointsguy.com/credit-cards/business/"]],["a",["href","https://thepointsguy.com/credit-cards/how-to-build-business-credit/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/need-business-for-business-credit-card/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/how-business-credit-card-could-help-personal-credit-scores/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/how-credit-scores-work/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/credit-utilization-ratio-guide/","rel","noopener","target","_blank"]],["strong"],["a",["href","https://thepointsguy.com/credit-cards/how-to-improve-credit-score/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/hard-pull-vs-soft-pull-credit-report/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/capital-one/"]],["a",["href","https://thepointsguy.com/credit-cards/american-express/"]],["a",["href","https://thepointsguy.com/credit-cards/chase/"]],["a",["href","https://thepointsguy.com/credit-cards/citi/"]],["a",["href","https://thepointsguy.com/credit-cards/reasons-to-get-business-credit-card/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/credit-vs-charge-cards/","rel","noopener noreferrer","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/guide-to-applying-small-business-credit-cards/","rel","noopener","target","_blank"]],["a",["href","https://thepointsguy.com/credit-cards/ways-you-might-be-eligible-for-business-credit-card/","rel","noopener","target","_blank"]]],"sections":[[1,"p",[[0,[],0,"Business owners should consider opening a "],[0,[0],1,"small-business credit card"],[0,[],0," to keep that credit line off their personal credit file. And while some issuers only "],[0,[1],1,"report business card activity to business credit bureaus"],[0,[],0,", the practice is not universal. That could mean your issuer is reporting your good — or bad — actions to consumer credit bureaus, just like with your personal credit cards."]]],[1,"p",[[0,[],0,"Although opening a business credit card can help you "],[0,[2],1,"separate your business expenses from your personal ones"],[0,[],0,", if the issuer reports your card activity to a consumer bureau, it could affect personal credit — even if you pay your bills on time and in full every month."]]],[10,0],[1,"p",[[0,[],0,"If your "],[0,[3],1,"business card activity appears on your personal credit report"],[0,[],0,", it will have the same impact as your other credit cards."]]],[10,1],[1,"p",[[0,[],0,"For issuers that report business card activity to personal reports, there's one major exception to this rule: If you have employees with access to your business credit card as authorized users, it should appear only on your credit report."]]],[1,"p",[[0,[],0,"If you stop paying your credit card bill, you will be responsible for what's owed. American Express and Chase require joint and several liability. This means that you and your business are liable for repayment, and thus, your card activity will be reported to one or more business credit bureaus."]]],[10,2],[1,"p",[[0,[],0,"Business credit bureaus — including Dun \u0026 Bradstreet, Equifax and Experian — look for trends in business credit card activity similar to that of consumer bureaus."]]],[1,"p",[[0,[],0,"Experian says payment history is the top factor to consider when looking to improve your business score; other factors include money owed, business establishment history and negative marks on your credit."]]],[1,"p",[[0,[],0,"About two-thirds of your "],[0,[4],1,"credit score"],[0,[],0," is determined by your payment history and what you owe. Stay in control by always paying your bill on time and in full. Despite this, the issuer may report your account status to the credit bureaus before your monthly payment clears; this means your "],[0,[5],1,"credit utilization ratio"],[0,[],0," may be reported to be higher, affecting your creditworthiness."]]],[1,"p",[[0,[6],0,"Related: "],[0,[7],2,"6 things to do to improve your credit score"]]],[10,3],[1,"p",[[0,[],0,"We contacted more than a half dozen issuers to ask about their reporting policies on their small-business credit card lines. Some issuers were more forthcoming than others, but they all indicated they make a hard inquiry (or at least reserve the right to) on your personal credit report during the application process."]]],[1,"p",[[0,[],0,"A "],[0,[8],1,"hard pull"],[0,[],0," can cause a small, temporary drop in your credit score, but reporting regular activity can have more lasting implications — especially if your business runs up big monthly credit card bills."]]],[10,4],[10,5],[1,"p",[[0,[],0,"Some issuers are less clear about the circumstances under which they'll report business card activity to personal bureaus. However, based on reader reports and other sources, we can determine their usual practices."]]],[1,"p",[[0,[9],1,"Capital One"],[0,[],0," declined to say whether it reports any activity to either consumer or commercial bureaus, but it has previously acknowledged it reports to both types of bureaus. Capital One typically only reports to personal credit if the account is not in good standing."]]],[10,6],[1,"p",[[0,[10],1,"American Express"],[0,[],0," explicitly states business card account information \"is reported to both the consumer and commercial bureaus.\" "],[0,[11],1,"Chase"],[0,[],0," states it may report business cards, but reader reports state it isn't routine and occurs with a negative trigger on a business account."]]],[1,"p",[[0,[],0,"Barclays says it reserves the \"right to obtain a current consumer and business credit report\" and the \"right to report to others.\" Cardholders give mixed reports on their practices. Readers report that most "],[0,[12],1,"Citi"],[0,[],0," business cards are not reported on personal credit reports."]]],[1,"p",[[0,[6],0,"Related: "],[0,[13],2,"9 reasons to get a business credit card"]]],[10,7],[1,"p",[[0,[],0,"It's not the end of the world if your business credit cards affect your personal credit report — just make sure you're a responsible cardholder. Pay special attention to following these rules to keep your credit score from being negatively affected:"]]],[3,"ul",[[[0,[],0,"Pay your card bills on time every time."]],[[0,[],0,"Try to stay well below your credit limit."]]]],[1,"p",[[0,[],0,"If you consistently exceed that limit, ask your issuer for a higher limit or switch to a card with "],[0,[14],1,"no preset spending limit"],[0,[],0,". Since charge cards have no preset limit, activity won't impact your utilization ratio."]]],[1,"p",[[0,[],0,"To learn more, read our guide on "],[0,[15],1,"how to get a business credit card"],[0,[],0,"."]]],[1,"p",[[0,[6],0,"Related: "],[0,[16],1,"Who qualifies for a business credit card?"],[0,[],1,""]]]],"version":"0.3.1"},"cpmTags":null,"customSchema":null,"description":"Here's everything you need to know about how business and personal credit cards interact and the effect they have on your credit score.","editorsNote":"This is a recurring post, regularly updated with new information.","featuredImage":{"credit":"DAMIRCUDIC/GETTY IMAGES","height":1067,"id":"1582203","src":"https://thepointsguy.global.ssl.fastly.net/us/originals/2023/12/Woman-paying-credit-card-bills-on-computer-at-home_damircudic.jpg","title":"Woman paying bills with a credit card","width":1600},"id":"us#1605314","isTragedy":false,"pathname":"/credit-cards/business-credit-cards-that-affect-personal-credit/","published":"2025-02-14T10:00:44.000Z","readingTime":{"minutes":5.105,"text":"6 min read"},"reviewAffiliate":null,"reviewedBy":[],"seal":null,"showAds":true,"showEditorialDisclaimer":true,"showNewsletterCallout":true,"slots":3,"slug":"business-credit-cards-that-affect-personal-credit","socialThumbnails":{"facebook":"https://thepointsguy.freetls.fastly.net/us/originals/2024/04/SOCIAL-IMAGE_PARTNER-OFFERS-TERMS-APPLY_restaurant-owner-using-laptop-and-holding-credit-card_SouthWorks_20.jpg","twitter":"https://thepointsguy.freetls.fastly.net/us/originals/2024/04/SOCIAL-IMAGE_PARTNER-OFFERS-TERMS-APPLY_restaurant-owner-using-laptop-and-holding-credit-card_SouthWorks_20.jpg"},"sponsorship":null,"summary":[],"surrogateKeys":["single","post-1605314","slug-business-credit-cards-that-affect-personal-credit","author-mikecetera","author-sahmed"],"tableOfContents":[{"id":"how-do-business-credit-cards-affect-personal-credit","title":"How do business credit cards affect personal credit?"},{"id":"business-credit-card-credit-reporting-by-issuers","title":"Business credit card credit reporting by issuers"},{"id":"what-types-of-business-credit-card-activity-are-reported-to-the-credit-bureaus","title":"What types of business credit card activity are reported to the credit bureaus?"},{"id":"bottom-line","title":"Bottom line"}],"title":"Do business credit cards affect personal credit?","titleTag":"Do business credit cards impact my credit score?","tpSrc":"","transactionalWidgetCards":[],"updated":"2025-02-14T15:25:46.000Z","watchtowerTags":{"appliedTags":{"primarySubject":[{"name":"credit cards"}],"transactional":null}},"wpPostId":1605314}},"dataUpdateCount":1,"dataUpdatedAt":1739546873827,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["Article","US","business-credit-cards-that-affect-personal-credit",false,null],"queryHash":"[\"Article\",\"US\",\"business-credit-cards-that-affect-personal-credit\",false,null]"},{"state":{"data":{"cachedTime":"2025-02-14T15:27:02.584Z"},"dataUpdateCount":1,"dataUpdatedAt":1739546873833,"error":null,"errorUpdateCount":0,"errorUpdatedAt":0,"fetchFailureCount":0,"fetchMeta":null,"isFetching":false,"isInvalidated":false,"isPaused":false,"status":"success"},"queryKey":["CachedTime","Article","US:business-credit-cards-that-affect-personal-credit"],"queryHash":"[\"CachedTime\",\"Article\",\"US:business-credit-cards-that-affect-personal-credit\"]"}]},"generated":"2025-02-14T15:27:53.833Z","health":{"empennageUrl":"https://empennage.api.thepointsguy.com","message":"I am still alive","watchtowerUrl":"https://watchtower.api.thepointsguy.com","mode":"production"},"isApp":false,"propsType":"article","shouldShowPreview":false,"slug":"business-credit-cards-that-affect-personal-credit","timing":{"article":20,"cachedTime":6,"resolution":5}},"__N_SSP":true},"page":"/[...pathname]","query":{"pathname":["credit-cards","business-credit-cards-that-affect-personal-credit"]},"buildId":"W8sHpnRHiyz1oOCcCmwEu","runtimeConfig":{"mode":"production","rum":{"appMonitorId":"378863cf-4a3d-47a4-b422-858bb5bdef95","guestRoleArn":"arn:aws:iam::478340198356:role/cloudwatch_guest_role","identityPoolId":"us-east-1:68d8040d-689e-46e1-8271-75853f2ca97f","sessionSampleRate":0.1},"ukBaseUrl":"https://thepointsguy.co.uk","usBaseUrl":"https://thepointsguy.com"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"locale":"en-US","locales":["en-US","en-GB"],"defaultLocale":"en-US","domainLocales":[{"defaultLocale":"en-GB","domain":"thepointsguy.co.uk","http":false},{"defaultLocale":"en-US","domain":"thepointsguy.com","http":false}],"scriptLoader":[]}</script></body></html>