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Credit Cards, like American Express, allow you to bundle current expenses to the end of the next month. If you manage correctly, you can get reimbursed for your expenses about 10-20 days before Amex bill you for that period.

So, if you end-up lending $3000 of your own money to your employer, you are doing it wrong.

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I think using an employer-provided card is superior for a lot of reasons, but spending 5 figures on a personal card and being reimbursed for it doesn't sound bad as someone with an extremely high credit limit and rewards cards that give 2-3% back on most purchases. I know some people who manage to fly first class to some pretty far-flung destinations using points they got from company spending on their personal credit cards.

That being said it can be pretty risky if your accounting department loses a check

I use personal cards by choice but I absolutely understand someone who doesn't want to commingle thousands of dollars of company expenses with their own accounts. I would hope that most businesses offer the option of a corporate card to any employees who rack up significant reimbursable expenses.

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