I am curious about the differences between a personal credit card and a business card? What are the major differences between the two besides the credit limits of course. Does a business card have different insurances that come along built in or is this something that you have to purchase separately? I don't have a business identification number, so how does one apply for a business card, do you have to have a fein to do this or can you use your social security number as your business number? I am clueless when it comes to this stuff. Just thought about the differences because initially I was just thinking about getting a regular personal credit card. So, what does one have to have in place to apply for a business card, what justifies the word business?