Does A Business Credit Card Count Towards Your Personal Credit Score?

Filed Under: Advice, Credit Cards
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Credit scores can be complicated, and it goes without saying that there are a lot of misconceptions about how they work. Everyone obviously wants the best score possible, and there are ways to help maximize that.

Credit score breakdown

In writing about the increased welcome bonuses on the Delta SkyMiles credit cards — in particular the Delta SkyMiles® Gold American Express Card and Delta SkyMiles® Gold Business American Express Card — there have been a lot of questions about how credit scores show up on your personal credit report. So I figured I’d clarify a few things, in the form of some FAQs.

Does a business credit card application count as an inquiry on your personal credit score?

Yes, it does. A credit inquiry typically temporarily lowers your credit score by a couple of points, which isn’t a big deal. The inquiry generally falls off your credit report after 24 months. There are lots of other metrics of your credit score which can improve as a result of having more cards, like your credit utilization and payment history, which make up a much larger percentage of your credit score.

But for this there’s no differentiation between a personal card and a business card — a hard pull has the same impact, whether it’s from a personal or business card.

Does a business credit card otherwise count towards your personal credit score?

Generally not. That’s to say that paying on-time, keeping a low credit utilization, etc., on a business card, doesn’t count towards your personal credit score in the same way that doing that on a personal card would. In a way, you’re not being rewarded for good behavior on a business credit, which is unfortunate.

What about the Chase 5/24 rule?

This is where you potentially benefit by getting a business credit card. As most of you probably know, Chase has a policy on many of their cards where they won’t approve you if you’ve applied for more than five credit cards in the past 24 months. Business credit cards generally won’t count towards that total, at least business credit cards acquired through American Express and Citi, according to Doctor Of Credit.

Chase business cards would count towards that total since they’re processed directly by Chase.

But if you’re trying to avoid the Chase 5/24 rule, then applying for a business credit card with American Express, like the Delta SkyMiles® Gold Business American Express Card, is a great option.

Bottom line

There are pros and cons to many business credit cards not appearing on your personal credit score. The good news is that it doesn’t really hurt your chances of being approved for other cards, other than the number of inquiries. The bad news is that you don’t get the benefits of having your score potentially increase through good credit card habits, like low utilization, paying on-time, a long credit history, etc.

Still, perhaps most relevant is that applying for an Amex small business credit card, like the Delta SkyMiles® Gold Business American Express Card, won’t hurt your chances of being approved for another card under the Chase 5/24 rule.

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  1. What about a corporate credit card? I don’t think that hits your personal credit right? at least in my case they never needed my personal information other than name and address for my company to issue the corporate amex.

  2. Don’t forget, this applies generally to sole proprietors or other individual backed firms. Anything using an EIN may have a different process iirc.

    Also thank @Lucky for the article on the Etihad First Apartment ticketing procedure! I just booked one for next week from Dubai to Sydney.

  3. I sure hope my corporate credit card doesn’t count towards my own score, because if it does I’m in trouble. Our cards have a set group limit and when many of us are travelling at once the limit gets reached and we get declined. That suits me fine because then I can use one of my own cards and get points, which I don’t on the corporate card. As long as it doesn’t effect my personal score I’m happy.

  4. —-Does a business credit card otherwise count towards your personal credit score?

    —-Generally not. That’s to say that paying on-time, …..

    That’s true only if you keep the account in good standing. Miss a payment, and the account, with derog, will magically appear on your personal report. Even if you have a corporate card, issued to you as an employee of a company you have no ownership in (at least with Amex this last part is true.)

  5. Does the Chase 5/24 rule mean if you’ve applied for 5 or more cards, you won’t be approved, or is it more than 5 (meaning 6 or more)?

  6. How do you search space on Korean to Europe? Their website only shows routes going through Seoul?

  7. @sam

    The number of cards you’ve applied for do not matter, it’s how many you were approved for and opened in the past 24 months.

    If you have 5 or more approvals (and new cards) in the past 24 months, you’re very unlikely to be approved for certain Chase cards (CSP, Ink, Freedom, United, Southwest, Marriott).

  8. I’m very annoyed today, I recently was approved for a Chase United Explorer card with a 10k limit. My husband was also approved for his own card. We both met the spend requirements for the get the 30k miles. We were later sent a INVITATION by Chase for another United card, only this time if we met a 2k spend, we would get a 50k bonus. I applied again thinking it was a different card..I was later sent a declined letter saying that I was refused because we already had that card…okay.

    So I applied for a sapphire preferred card and was told I would be notified by mail. I called today to check the status and I was told I was denied but it didn’t say why and I would have to wait for the letter then take it from there.

    I have an A+ credit score…and I personally am only the primary on two credit cards, a wells Fargo card and the aforementioned United.

  9. @Nick – my company’s corporate Amex card definitely counted against my 4 card Amex limit. It also got me a credit pull. I was seriously pissed off. They finally canceled the program at work and the thing feel off my account, though that took about a month to reflect on the system. That’s some BS if you ask me.

  10. Most corporate Amex accounts are corporate liability, that is, the unsecured loan of the credit card is guaranteed by the corporation. In some instances, a company may push that liability to their employees, in which case it would affect your credit score. Blame your employer, not the credit card issuer.

  11. If one applies for the Chase Sapphire Reserve and the Chase Ink Business Plus card on the same day, will that count as just one hard pull or two? Thanks.

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