The main difference between the two cards is where the responsibility lies for the card’s debt. Additionally, each card has a different credit check process during application. For small-business owners of credit cards, the business owner is personally responsible for paying the debt. Once you’ve applied for the card, issuers will check your own personal credit history as well as that of your small business. That’s in addition to a guarantee that you agree to repay any debt. However, for corporate cards, it’s the business itself that is responsible. This means that should the company run into financial difficulties; it would not fall on the owner(s) to pay the debt. The credit history for only the business and not the owners is the only requirement for credit checks.