Core Insights - Business credit cards provide small business owners with rewards, instant financing, and tracking of business purchases, making them versatile for various types of businesses [1] Group 1: Risks of Using Business Credit Cards for Personal Expenses - Using a business credit card for personal expenses is possible but not advisable, as it can lead to complications [2][3] - Violating the cardmember agreement by using business cards for personal purchases can result in account closure by the issuer [4] - Mixing personal and business expenses complicates tax returns and can lead to incorrect deductions [5][6] Group 2: Benefits of Business Credit Cards - Business credit cards help separate business spending from personal expenses, aiding in accurate accounting and tax deductions [9] - They allow for employee cards, enabling tracking of employee spending and potential rewards from those purchases [10] - Business credit cards often offer larger welcome bonuses compared to personal cards, with specific spending requirements [11][12][13] - Bonus categories for business credit cards are typically tailored to business-related expenses, providing additional rewards opportunities [14]