The reasons are as follows: 1. Multiple discounts: no annual fee for holding business cards for life, no cash withdrawal fees, and no fees for consumption exceeding the limit.

2. Security: Provide free text message reminders with no consumption limit, and the registration fee will take effect in a timely manner.

3. Convenience: In terms of business expenses, as long as the user provides the unit with a credit card purchase order and mobile phone number, and the unit sends the information to the bank, the bank can directly transfer the money to the commercial card payment account. There is no need for users to repay the money themselves.

In fact, a business card is a type of credit card. Bank cards are divided into credit cards and debit cards, and credit cards are further divided into credit cards and quasi-credit cards. A business card is a credit card, a type of credit card. UnionPay business card is a UnionPay card specially launched by China UnionPay for daily official expenses of government agencies and institutions. It is mainly used for travel borrowing, reimbursement, travel booking and other aspects to meet the accounting management needs of public institutions or enterprises. Business cards are a new type of financial management tool and means that combine the relevant requirements of financial management with the unique advantages of bank cards. It is a kind of credit card issued by financial institutions for working staff of budget units, mainly used for official expenses. It has the credit consumption function of Xinyi Card, but at the same time it is different from ordinary credit cards.

:

The difference between business cards and credit cards:

1. A business card is a credit card, a type of credit card. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit and then repay. Ordinary credit cards are just credit cards issued by major banks. They have no special functions and are only suitable for daily consumption of credit cards.

2. The business card holder is a staff member of the budget unit, and his or her identity must be confirmed by the unit when applying for the card. However, ordinary credit cards do not require identification when applying.

3. Business cards can be used for official expenses and reimbursements, while ordinary credit cards are mainly used for consumption. A business card is essentially a credit card, so it also has the function of personal consumption. As a personal consumption credit card, it has the same functions as an ordinary credit card, and can also enjoy the benefits of UnionPay standard card promotions in more than 140 countries and regions around the world.

4. The business card credit limit is high. The credit limit given by banks to civil servants is generally higher, ranging from 10,000 yuan to 50,000 yuan or even 100,000 yuan. Credit cards, on the other hand, determine the credit limit based on the applicant’s own circumstances.

5. Lifetime annual fees are waived for business cards, and handling fees within municipal and provincial jurisdictions are waived for overpayments. Other credit cards charge a handling fee of 0.1 of the cash withdrawal amount. Some special business cards can also enjoy exemption from withdrawal fees.

6. Business cards have many value-added services and enjoy the exclusive treatment of gold cards. Ordinary credit cards generally cannot enjoy the treatment of gold cards. However, many banks directly treat business cards as gold cards and give cardholders the exclusive treatment of gold cards. 7. The business card is a UnionPay standard business card, and the BIN number field encoding of the business card is unified.

8. Business cards enjoy free card replacement upon expiration, free text messages, interest-free cash withdrawals and other preferential services. The above is the difference between business cards and credit cards. As for which one is better, it depends on the person who uses it.