Bank of America backs its small business credit cards with personal credit, but the issuer doesn’t include business card activity in your personal credit report as long as your account remains in good standing, according to Bank of America.  Generally, business card activity can affect your personal credit in different ways, but it depends on the issuer. For example, Amex only reports negative business card activity to personal credit report, but Bank of America keeps your business credit activity entirely separate from your personal report. This could give Bank of America business cards a leg up over competitors for small business owners who might be worried about any slip-ups during busy periods.