It’s worth noting that the protection that comes with business credit cards also differs from that of a personal credit card. While consumer credit cards are protected by the CARD act of 2009, business credit cards are typically exempted from the same protections. Some credit card issuers may apply this to their corporate card products, but it’s essential to know the card’s terms and conditions before applying.   Business card providers may also extend some protection as a courtesy to small business owners. This includes: Insurance to cover credit card misuse by employees Additional insurance to cover misuse or fraudulent activities on the credit card Zero liability policies render business owners free from fraudulent charges on the account.  Online guarantees to protect cardholders and transactions.