What do consumer cards refer to?

Consumer cards specifically refer to personal credit and debit cards that individuals use for personal transactions, such as purchases for everyday expenses, entertainment, and personal services. These cards are designed for individual consumers rather than businesses, hence the term "consumer."

This classification encompasses general credit cards, which allow consumers to borrow funds up to a certain limit for various purchases, and debit cards, which draw directly from a consumer’s bank account for immediate payment. Understanding the distinction is important because consumer cards typically come with different features, fees, and regulations compared to business or corporate-oriented financial products. In contrast, other choices such as business charge accounts, prepaid gift cards, and corporate credit lines cater to specific use cases outside of standard consumer transactions.