You can use a personal credit card to pay for business expenses; you aren’t breaking any rules by doing so. But actual business credit cards offer useful features — like higher credit limits, free employee cards and the establishment of business credit — that make them a better fit for most entrepreneurs.
A consumer card may make more sense if you’re working on improving your personal credit or want to transfer an existing balance at a lower interest rate. Business credit cards that support those goals are rare.
Whichever card you choose for your business, use it only for business spending. Don’t put personal expenses on it. Separating your business and personal finances helps keep your books clean, and if your business is an LLC, it may help protect your assets if you’re ever sued.
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