Why would someone want a business card if they don't have a business? I use business cards as a way to keep my accounting separate. But from an actual usable card scenario I find that Business cards for the most part offer the same features and benefits as the person card, EXCEPT, the limit is usually 1/2 to 1/3 of a similar personal card.

From what I've read there's also a big difference between small business credit (most based on the guarantor's credit rating) and medium to large business credit, which seems to be based on getting credit history established to a DUNS number.