re: Corporate Card 90-Day Payment Cycle

It wont affect your personal credit at all. The credit line is extended entirely through the company’s credit not yours.

The company likely dictated these terms with Amex and the 120 days is an internal policy to make sure people get their expense reports in before they pay the bill.

They were able to negotiate these terms because of the size of the spend and they likely pay it in full every 90 days (or each month once the cycle is set up). Amex is still making money on swipe fees.