Business Credit Cards There are two types of business credit cards, business charge cards and revolving balance offers. The difference is that with business charge cards, you are required to pay your balance off in full every month. With revolving balance business credit cards, you may pay your balance off over time, yet interest will be accrued if you do not pay in full every month. The advantage to charge cards is that though they typically carry annual fees, the rewards programs are more often superior to revolving balance business credit cards.