Credit Lines and Credit Cards function almost the exact same. One big difference is that credit cards offer reward points and intro rates of 0%, credit lines typically donât. But you can use credit lines to get cash advances at much lower rates than with credit cards. Also credit lines are single accounts with a higher limit, whereas credit cards usually have lower limits⌠but you can get more cards. Having a higher limit and low rates for cash advance are the main benefits. But this is more of a FULL DOC program, where as other cards weâve mentioned are more NO DOC.