Product comparison
A business credit card is best for small, recurring purchases with rewards; a line of credit is better for larger draws, cash-flow gaps, and anything over $10K where card APRs become expensive.
Last updated 2026-04-16
Two paths, side by side
The same business problem can take very different routes depending on what you optimize for. Here is the honest split.
Line of Credit
You need cash (payroll, supplier wire, rent) or draws above $10K, card cash-advance charges and APRs are punitive at that size.
Wins for
Business Credit Card
Your spend is small, recurring, and happens at card-accepting merchants, rewards and ease of use are the bigger wins.
Wins for
Side by side
| Factor | Line of Credit | Business Credit Card |
|---|---|---|
| Typical limit | $10K–$250K | $2K–$50K |
| Interest basis | 1.5–3% per month on drawn balance | 18–27% APR on revolving balance |
| Cash access | Direct ACH to your account | Cash advance (typically 3–5% charge + higher APR) |
| Rewards | None | Typically 1–5% cashback or points |
| Best for | Larger draws, cash needs | Daily operating spend |
Common questions
A business credit card is best for small, recurring purchases with rewards; a line of credit is better for larger draws, cash-flow gaps, and anything over $10K where card APRs become expensive.
You need cash (payroll, supplier wire, rent) or draws above $10K, card cash-advance charges and APRs are punitive at that size.
Your spend is small, recurring, and happens at card-accepting merchants, rewards and ease of use are the bigger wins.
Yes. Many ICG clients qualify for multiple products. Our underwriters will recommend the best fit based on your use of funds, time horizon, and qualification profile.
Ready when you are
Quick application. Real human review. We will tell you which fits.
