When paying for business expenses, sometimes it’s hard not to mix up personal funds with business funds.  Maybe you forgot to bring your corporate card with you or you’re not sure if your company would approve of a certain purchase.  That said, is there actually any difference between a corporate credit card and a personal card?  In this article we’ll figure that out.

Ask These Questions To Identify A Corporate Card

There are two main questions that you can ask to understand whether you’re using a corporate card or not.  Is the company receiving the monthly statement and paying off the balance?  If the answer is yes, then it’s a corporate card you’re using.  Another question you can ask is do you require reimbursement for the expenses incurred on the card?  If the answer is no, then you’re using a corporate card.

Ask These Questions To Identify A Personal Card

The two main questions to ask to understand if you’re using a personal card would go something like this: Am I receiving the monthly statement and the responsibility for paying the bill?  If the answer is yes, then you have a personal card in your possession.  You can also ask if you would need to be reimbursed if you were to charge business expenses on the card.  If you do need to be reimbursed for business expenses charged on the card, then you’re using a personal card.  Even if every expense you charge on the card is related to business but you still receive the monthly statement, pay off the balance and request reimbursement from your employer, it’s still considered a personal card.

The Emburse Solution For Integrating Personal Cards

Emburse understands that it might not always be convenient to use your corporate card for business expenses.  That’s why we’ve allowed for easy integration of personal cards into our expense management system.  This allows an employee to be easily reimbursed for business expenses made on their personal card.  

Personal And Corporate Card Linking

Emburse allows for an unlimited number of cards to be linked to the system meaning both personal and corporate cards can benefit from expense management.  When a personal card is linked, all transactions made on that card are uploaded into the employee’s account.  The employee is then able to access the account, identify the business transactions that qualify for reimbursement and forward those to the employer.  Employees can forward expenses immediately after the charges are posted to the account so they don’t have to wait until the end of the month to organize their expenses.  And with the employee in control of the account, the employer will never see transactions the employee deems personal.


Emburse offers this service free of charge as part of the complete expense management solution.  Get in touch with Emburse for a free demo today.

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