Small business and personal credit cards share common purposes, such as making purchases, earning rewards, and providing cardholder protections. However, key differences exist. Business cards are opened in the company's name using an Employee Identification Number (EIN), while personal cards are opened in the individual's name with a Social Security number. Business cards often tailor reward categories to align with business expenses, while personal cards focus on individual spending patterns. Business cards may offer employee cards, enhancing expense management. Additionally, they might provide statement credits for business-related purchases. Business cards may report to business credit bureaus, affecting both business and personal credit, while personal cards only impact personal credit. Despite differences, both types work similarly, considering personal credit, offering grace periods, bonuses, rewards, and zero liability protection.