Yes, there are a number of ways a business credit card can affect your personal credit. And whether that impact is negative or positive depends on how you use it. Most business credit cards will perform a hard credit check on your personal credit. Delinquency on your business account will result in the card issuer reporting this negative behavior to the credit bureau, resulting in a hit to your personal credit score. Down the road, this could make it harder for you as an individual to be approved for additional credit.