Can I use my American Express business card for personal expenses?

Asked 2 years ago
Using an American Express business card for personal expenses is generally not recommended. American Express - Business Services typically emphasizes that business credit cards should be used exclusively for legitimate business-related purchases. This approach helps in maintaining proper financial records and ensuring that the benefits associated with the card, such as rewards, cash back, and tax deductions, are maximized for business use only. Mixing personal and business expenses can complicate accounting and may lead to challenges during tax preparation or if an audit occurs. Additionally, it is important to review the terms and conditions of your specific American Express business card, as certain cards may explicitly prohibit personal use. For clarity on specific policies, the user should refer to the current web page of American Express - Business Services, where detailed information can be found. It is always wise to keep business and personal finances separate for accountability and to facilitate easier financial management.
Adam Goldkamp is the editor / author responsible for this content.
Answered Jul 23, 2025

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