Personal vs company card. Founded a small startup, currently using my CSR card for business expenses, but debating getting a company card (e.g. Amex or other). The points on the CSR are relatively valuable however. Anyone make a similar choice either way? What are the benefits of getting a separate company card?

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Posting as :
works at
You are currently posting as works at

Forget about expense tracking, points, etc. Most important is to maintain separate identities for you as individual and your company.

Don’t mix your personal account with business activities. If you do so, there is a huge risk of piercing the corporate veil in case someone sues you. The limited liability that corporations provide you might be taken away.

I am not a legal expert, so please do your own research.

likesmarthelpful

This.

A biz card is easier to track for expenses.

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You can get a chase or Amex biz card and just keep the points.

From a liability and sanity perspective separation is key. Especially when Amex and chase allow you to pool points with their consumer products. Trying to figure out what “SDFC #2002746 - 12/27 - $189.13” is and which umbrella it falls under is an inconvenience you don’t need.

Echoing what has been said here. Get a separate corporate card now. Look into fintech for startups. You get much better service and deals than traditional CCs. I work with a few, happy to make an intro to my account managers.

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