Cameron DiGiovanni, Writer
@cdigiovanni20
Yes. Most business credit cards check personal credit. Banks and credit unions usually check business credit card applicants’ personal credit history because almost all business credit cards require a personal guarantee, meaning the cardholder is liable for any balance the business can’t pay. Business credit card issuers need to know that applicants can handle this responsibility, which explains why applicants will see a hard credit inquiry on their personal credit report.
While it is possible to get a business card that doesn’t require a personal guarantee, and therefore does not check your personal credit, this shouldn’t be how you decide which business credit card to get. Apply instead for the best card you can qualify for, with rewards, rates and fees that suit the financial needs of your business.
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