Among the huge number of credit cards on the market, one of the most misunderstood is the business credit card. Many people choose not to apply for a business credit card because aside from having a definite target market - business owners or business executives - it seems to be complicated to use. Although a business credit card has more stipulations, it has a lower interest rate compared with other types of credit cards and, contrary to common misconception, it can be very helpful if used properly.