Can I Use My Business Credit Card for Personal Travel?

By Alice Nichols

Traveling for business can be expensive, but it is often necessary to build relationships with clients, partners or vendors. For this reason, many companies offer their employees corporate credit cards to pay for travel and other expenses.

But what if you’re self-employed? Can you use a business credit card for personal travel?

The Benefits of Using a Business Credit Card

A business credit card offers several benefits that make it attractive for travel purposes. For one, the rewards program on many business cards is more generous than that of consumer cards.

Business cards also tend to have higher spending limits, so you can cover more of your travel costs with a single card. They also offer additional features such as fraud protection and purchase protection that can help if something goes wrong while you’re on the road.

Drawbacks to Using a Business Credit Card

There are also some drawbacks to using a business credit card for personal travel. For one, the interest rates on most business cards are often higher than those on consumer cards, so you may end up paying more in interest over time if you carry a balance from month to month.

Additionally, if your business goes under or you have to close it down, your personal liability may be greater than if you’d used a consumer credit card. Finally, many business credit cards require additional documentation when applying, such as financial statements and proof of income.

Is Using a Business Credit Card for Personal Travel Worth It?

Ultimately, whether or not using a business credit card for personal travel is worth it depends on your individual circumstances and how well you manage your finances. If you’re able to pay off your balance in full each month and take advantage of the rewards offered by the card, then it may be worth considering. However, if you tend to carry balances from month to month or don’t trust yourself to stay within your budget when traveling for pleasure, then it might be best to stick with a consumer credit card instead.


Can I Use My Business Credit Card for Personal Travel? The answer depends on how well you manage your finances and what benefits the particular card offers — while there are potential benefits like generous rewards programs and higher spending limits, there are also drawbacks like higher interest rates and greater personal liability in case something goes wrong while traveling. Ultimately, it comes down to whether or not the advantages outweigh the risks in your particular situation.