Both give you flexible access to short-term funds, but they work differently and suit different situations.

Business credit card

Simple to get and use for smaller, frequent purchases. Often carries rewards or cashback, but typically has the highest interest rate of any common financing option if you carry a balance month to month.

Line of credit

Usually offers a larger limit and a lower rate than a credit card, better suited to bridging genuine cash flow gaps rather than routine spending.

A practical approach: use a credit card for routine purchases you pay off monthly to capture rewards, and reserve a line of credit for larger, temporary cash flow needs where the lower rate matters.