There are significant differences between business cards and ordinary credit cards in many aspects, mainly reflected in the following aspects:

First of all, functional differences: as a credit card, business cards have With the function of advance credit limit, cardholders can repay in installments after consumption within the credit limit, while ordinary credit cards focus more on daily consumption and have no special official consumption function.

Secondly, in terms of cardholder qualifications, official cards are limited to budget unit staff and require approval by the unit, while applications for ordinary credit cards are more open and do not require identification confirmation by the unit.

In terms of discounts, in addition to being used for official expenses, business cards can also be used for personal consumption and enjoy UnionPay card preferential activities worldwide. In contrast, regular credit cards are mainly suitable for spending, and the benefits may be more limited.

In terms of credit limit, business cards usually enjoy higher limits, with a minimum of 10,000 yuan and a maximum of 100,000 yuan, while ordinary credit card limits are determined based on personal credit status and are usually lower.

In terms of fees, business cards have obvious advantages, with no annual fees for life and no handling fees for cash withdrawals in some cases, while ordinary credit cards often charge a certain percentage of fees based on the amount of cash withdrawals.

Finally, business cards usually enjoy gold card-level benefits, including more value-added services, while ordinary credit cards often cannot enjoy the same distinguished treatment.

In general, there are obvious differences between business cards and ordinary credit cards in terms of functions, cardholder qualifications, discounts, credit limits and fees. Business cards focus more on the convenience and convenience of business and personal consumption. Privilege. The above information comes from relevant information on Baidu Encyclopedia.