{"id":20269,"date":"2024-03-05T11:46:56","date_gmt":"2024-03-05T17:46:56","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20269"},"modified":"2025-06-06T09:50:42","modified_gmt":"2025-06-06T15:50:42","slug":"business-credit-card-personal-use","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html","title":{"rendered":"Can I use my business credit card for personal use?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image.png\" alt=\"\" class=\"wp-image-20271\"\/><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-1222dd76b0f8333781c95c241b08ec97\" style=\"background-color:#00204f\">Even though it\u2019s technically legal, you should avoid using your business credit card for personal use.<\/p>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>A business credit card is a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/types-of-cards.html\" target=\"_blank\" rel=\"noreferrer noopener\">type of card<\/a> designed to be used for business expenses\u2014supplies, inventory, rent, payroll and equipment. Using a business credit card allows you to separate those expenses from your personal ones. Plus, business credit cards also offer higher spending limits and better terms.<\/p>\n\n\n\n<p>However, the line between business and personal expenses isn\u2019t always clear-cut. For example, you might book a business trip and then extend your stay to allow for some vacation time. Or, you might swipe your business card when you meant to use your personal card. Whatever the scenario, you might be wondering, \u201cCan I use my business credit card for personal use?\u201d<\/p>\n\n\n\n<p>Continue reading to discover what the law says, in addition to the potential consequences of using your business credit card for personal expenses.<\/p>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li>Is it illegal to use a business credit card for personal use?<\/li>\n\n\n\n<li>6 drawbacks of using a business credit card for personal expenses<\/li>\n\n\n\n<li>I accidentally used my business credit card for personal expenses\u2014now what?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-illegal-to-use-a-business-credit-card-for-personal-use\">Is it illegal to use a business credit card for personal use?<\/h2>\n\n\n\n<p>While it\u2019s technically legal to use your business card for personal expenses, it generally isn\u2019t recommended. Most credit card issuers have terms and conditions prohibiting users from swiping their business cards for personal use.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"456\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-3.png\" alt=\"\" class=\"wp-image-20275\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-3.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-3-768x359.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>For example, the Capital One<em>\u00ae<\/em> <a href=\"https:\/\/www.capitalone.com\/commercial\/terms-and-conditions\/commercial-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">commercial card terms<\/a> state the following:<\/p>\n\n\n\n<p>\u201c<em>Organization represents, warrants, and covenants that the Card Program (including any and all Accounts and Cards) has been established and will only be used by Organization and its Employees for a commercial or other bonafide business purpose. Organization further represents and warrants that none of the Account(s) or Card(s), and Transaction(s) related to the Card Program have been established or will be used for personal, family, or household purposes<\/em>.\u201d<\/p>\n\n\n\n<p>Below is another example of the terms and conditions from the <a href=\"https:\/\/sites.chase.com\/services\/creatives\/pricingandterms.html\/content\/dam\/pricingandterms\/LGC54786.html\" target=\"_blank\" rel=\"noreferrer noopener\">Ink Business Unlimited\u00ae Credit Card<\/a>:<\/p>\n\n\n\n<p>\u201c<em>By becoming a Visa\u00ae Business Card cardmember, you agree that the card is being used only for business purposes and that the card is being issued to a public or private company including a sole proprietor or employees or contractors of an organization.<\/em>\u201d<\/p>\n\n\n\n<p>Nearly all other business credit card companies have similar rules against using your business card for personal expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-drawbacks-of-using-a-business-credit-card-for-personal-expenses\">6 drawbacks of using a business credit card for personal expenses<\/h2>\n\n\n\n<p>While you might want to use your business credit card for personal use due to higher spending limits and other perks, the drawbacks often outweigh the benefits. Below are six potential consequences you may want to be aware of before you swipe your business credit card for a personal expense.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-your-credit-card-issuer-could-close-your-account\">1.&nbsp;Your credit card issuer could close your account<\/h3>\n\n\n\n<p>As previously mentioned, using your business credit card for personal use violates the terms and conditions for many cards.<\/p>\n\n\n\n<p>If your credit card company notices a pattern of purchases that are generally inconsistent with typical business expenses, they may launch an investigation. The issuer reserves the right to cancel your card if they find evidence that you violated the terms of your cardholder agreement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-you-may-be-personally-liable\">2.&nbsp;You may be personally liable<\/h3>\n\n\n\n<p>A main benefit of incorporating your business is limiting your personal liability. When you form a Limited Liability Company (LLC), the corporation becomes a separate legal entity responsible for its own debt. As the owner, your personal assets are protected if a lawsuit is filed against your business.<\/p>\n\n\n\n<p>However, when you combine your personal and business spending, you could be opening yourself up to liability. Known as \u201cpiercing the corporate veil,\u201d this allows the courts to hold business owners responsible if they have improperly commingled personal and business finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-you-may-lose-consumer-protection\">3.&nbsp;You may lose consumer protection<\/h3>\n\n\n\n<p>When you use a personal credit card, you\u2019re protected under the <a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/statutes\/credit-card-accountability-responsibility-disclosure-act-2009-credit-card-act\" target=\"_blank\" rel=\"noreferrer noopener\">Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act)<\/a>. These protections include limits and advance notice requirements on APR, fee and finance charge increases. Since the Credit CARD Act doesn\u2019t extend to business owners, you\u2019ll miss out on these protections when you use your business card instead of your personal card.<\/p>\n\n\n\n<p>Although some credit companies extend these protections to businesses, it\u2019s not legally required, so check with your issuer.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"667\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-2.png\" alt=\"\" class=\"wp-image-20274\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-2.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-2-768x525.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-your-credit-scores-may-be-impacted\">4.&nbsp;Your credit scores may be impacted<\/h3>\n\n\n\n<p>Your personal credit score and <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/business-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">business credit score<\/a> are two separate entities and typically report to different credit bureaus.<\/p>\n\n\n\n<p>Some people opt to use their business credit card to keep their personal <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization low<\/a>. While this may seem like a good idea, there are other, less risky ways to lower credit utilization, such as making multiple payments in the same month.<\/p>\n\n\n\n<p>Not to mention, if you make a personal purchase on your business credit card and fail to pay it off, this could negatively affect your business credit score. The consequences of poor business credit include an inability to get approved for loans, high interest rates and additional consequences that can hurt your business.<\/p>\n\n\n\n<p>Failing to pay your balance can also hurt your personal credit due to the personal guarantee that you sign when you receive a business credit card. As the personal guarantor, if the business defaults on a loan, you\u2019ll have to pay it off. If you can\u2019t do so, your personal credit will likely take a hit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-you-might-struggle-to-track-business-expenses\">5.&nbsp;You might struggle to track business expenses<\/h3>\n\n\n\n<p>When running a business, it\u2019s essential to track your expenses to determine your profit margin. Doing so also helps you track cash flow and determine areas where you could cut costs. Using your business card for personal use can make tracking this much more difficult.<\/p>\n\n\n\n<p>Additionally, you have to submit income and cash flow statements when applying for a business loan. If your personal and business expenses are intermixed, it can make the process of getting a loan more difficult.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-your-taxes-will-be-more-complex\">6.&nbsp;Your taxes will be more complex<\/h3>\n\n\n\n<p>If your business is a corporation, you must file your business taxes separately from your personal income. When your personal and business expenses are mixed together, you\u2019ll be scrambling to separate these once tax season approaches.<\/p>\n\n\n\n<p>For example, if you frequently take clients out to dinner, it can be difficult to determine which bills were related to business and which were personal.<\/p>\n\n\n\n<p>If the Internal Revenue Service (IRS) conducts an audit and finds that you claimed personal expenses as business expenses, you could get charged penalties or interest fees or potentially face legal action.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-i-accidentally-used-my-business-credit-card-for-personal-expenses-now-what\">I accidentally used my business credit card for personal expenses\u2014now what?<\/h2>\n\n\n\n<p>If you accidentally make a one-off personal charge on your business credit card, don\u2019t fret. You can take the following steps to correct the mistake:<\/p>\n\n\n\n<ul>\n<li><strong>Step 1: Flag the charge. <\/strong>Identify the charge so it doesn\u2019t get mixed up in your business\u2019s expenses.<\/li>\n\n\n\n<li><strong>Step 2: Reimburse your business. <\/strong>Consider writing a check or transferring money to your business account to reimburse the charge.<\/li>\n\n\n\n<li><strong>Step 3: Document the transaction. <\/strong>Maintain a record of this transaction that you can reference in case you\u2019re audited by the IRS.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"688\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-1.png\" alt=\"\" class=\"wp-image-20273\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-1.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image-1-768x542.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>To summarize, using your business credit card for personal use isn\u2019t recommended. While a one-off charge probably won\u2019t hurt you, keeping your business and personal finances separate can protect against liability, streamline your expense tracking and simplify tax filing.<\/p>\n\n\n\n<p>Remember that in some cases, your business credit card can affect your personal credit. Credit card companies may report delinquencies to consumer <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">credit bureaus<\/a> and business credit bureaus. To protect your personal credit, practice the same positive credit habits with your business credit card, including staying up-to-date on payments.<\/p>\n\n\n\n<p>Looking to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/improve-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">improve your personal credit<\/a>? Start with a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> today.<\/p>\n\n\n\n<p><a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As an owner, you may ask, \u201cCan I use my business credit card for personal use?\u201d From added liability to account closure, discover the consequences of doing so.<\/p>\n","protected":false},"author":63,"featured_media":20271,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[516],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can I Use My Business Credit Card for Personal Use? | Lexington Law<\/title>\n<meta name=\"description\" content=\"As an owner, you may ask, \u201cCan I use my business credit card for personal use?\u201d From added liability to account closure, discover the consequences of doing so.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can I use my business credit card for personal use?\" \/>\n<meta property=\"og:description\" content=\"As an owner, you may ask, \u201cCan I use my business credit card for personal use?\u201d From added liability to account closure, discover the consequences of doing so.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html\" \/>\n<meta property=\"og:site_name\" content=\"Lexington Law\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-05T17:46:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-06T15:50:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"975\" \/>\n\t<meta property=\"og:image:height\" content=\"325\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexington Law\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#website\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/\",\"name\":\"Lexington Law\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lexingtonlaw.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image.png\",\"contentUrl\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/03\/image.png\",\"width\":570,\"height\":190},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html#webpage\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-cards\/business-credit-card-personal-use.html\",\"name\":\"Can I Use My Business Credit Card for Personal Use? 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