Business cards are among the most expensive to accept because credit card issuers charge higher Interchange rates for Business cards as a way of segmenting the Credit Card market. They justify these higher fees by offering card features that appeal to business-oriented customers. The cost of offering those extra features is borne by the businesses that you shop at using this card. Business card interchange rates are typically around 0.70% higher than the rate for a regular card. However, many smaller businesses actually get charged more than 0.70% additional for such transactions because it triggers a downgrade, which allows their credit card processor to charge them as much as an additional 1.50%.