Choosing a business credit card is a great option for small business owners who are looking to spread their large purchases out over time, cover costs during seasons of low cash flow and even earn rewards on guaranteed expenses. More than anything, this is a reminder to stay aware of how closely intertwined your personal and business credit accounts truly are.

From a behavioral standpoint, a line of business credit won’t absolve you of any less-than-perfect history with your personal card(s). Your spending habits are part of your credit record. If you’re having trouble staying within your limits, paying your balances or shaving down your debts, you’ll want to think long and hard before opening up a business account.

It’s the same user, whether your card has “business” in the name or not. If your credit score is in jeopardy, a business card could only compound matters by providing the temptation you’d be better off avoiding.

On the other hand, a business credit card can be an extremely valuable tool for business owners as they work to build credit for their growing business. A strong business credit score can bring a multitude of advantages to a business, including easier access to financing, lower insurance rates and even business investment opportunities. Because remember, investors can access your business credit score.