Business credit cards are issued to a business entity. Having a separate card for your business helps with accounting by keeping personal and business expenses separate. A business card typically has a higher credit limit suitable for business purchases, and special business cards may offer different types of rewards that are best for businesses. Having a business card can help you establish a business credit history. You might find a card that limits liability to business only. The downside of a business card is that many of them lack consumer protection as a typical personal credit card does. Most issuers will make you sign a personal guarantee that you will still be personally liable for any balance and missteps that affect your personal credit history.