Best Business Credit Cards for LLCs (2024)

Table of Contents
Ink Business Preferred® Credit Card Ink Business Preferred® Credit Card Ramp Card Ramp Card The Business Platinum Card® from American Express The Business Platinum Card® from American Express Ink Business Unlimited® Credit Card Ink Business Unlimited® Credit Card Capital One Spark Miles for Business Capital One Spark Miles for Business The American Express Blue Business Cash™ Card The American Express Blue Business Cash™ Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Brex Card Brex Card Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express Capital One Venture X Business Capital One Venture X Business American Express® Business Gold Card American Express® Business Gold Card NerdWallet's editorial picks: Best business credit cards for LLCs Ink Business Unlimited® Credit Card U.S. Bank Business Triple Cash Rewards World Elite Mastercard® The Business Platinum Card® from American Express Capital One Venture X Business American Express® Business Gold Card The American Express Blue Business Cash™ Card Ink Business Preferred® Credit Card Capital One Spark Miles for Business Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® The Blue Business® Plus Credit Card from American Express Ramp Card Brex Card Can an LLC get a credit card? How to choose a business credit card for your LLC References

I'M INTERESTED IN:

Our pick for

Travel card for LLCs

Ink Business Preferred® Credit Card

4.9

NerdWallet rating

Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x Points

Intro offer

100,000 Points

A low annual fee, stellar welcome offer and up to 3X points on travel and other common business expenses are a winning combination for LLCs hoping to rack up travel points.

Ink Business Preferred® Credit Card

NerdWallet rating

4.9/5

Read review

Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x Points

Intro offer

100,000 Points

Our pick for

Corporate card (no personal guarantee)

Ramp Card

3.7

NerdWallet rating

Apply now

on Ramp's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

N/A

Ramp delivers unlimited cash back, customizable spending controls and easy integration with QuickBooks and other business applications. This corporate charge card doesn't require a personal guarantee but does have other financial requirements.

Ramp Card

NerdWallet rating

3.7/5

Read review

Apply now

on Ramp's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

N/A

Our pick for

Airport lounge access + travel credits

The Business Platinum Card® from American Express

5.0

NerdWallet rating

Apply now

on American Express' website

Annual fee

$695

Rewards rate

1x-5x Points

Intro offer

150,000 Points

The annual fee is a doozy, but the perks are next-level, too. Cardholders enjoy annual travel and software credits, elite status and lounge access, among other benefits.

The Business Platinum Card® from American Express

NerdWallet rating

5.0/5

Read review

Apply now

on American Express' website

Annual fee

$695

Rewards rate

1x-5x Points

Intro offer

150,000 Points

Our pick for

Overall business card for LLCs

Ink Business Unlimited® Credit Card

5.0

NerdWallet rating

Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

$750

A five-star option for LLCs, the

Ink Business Unlimited® Credit Card

earns

1.5

% on all purchases, with no caps or restrictions. You'll also get a yearlong intro APR period and can net a nice welcome bonus:

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

Ink Business Unlimited® Credit Card

NerdWallet rating

5.0/5

Read review

Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

$750

Our pick for

Flat-rate travel rewards

Capital One Spark Miles for Business

4.8

NerdWallet rating

Apply now

on Capital One's website

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x Points

Intro offer

50,000 Points

We love the simplicity — and the rewards rate. You'll earn 2 miles per $1 spent, with no limits, bonus categories or other restrictions. Plus, 5X miles on hotels and rental cars booked through Capital One Travel.

Capital One Spark Miles for Business

NerdWallet rating

4.8/5

Read review

Apply now

on Capital One's website

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x Points

Intro offer

50,000 Points

Our pick for

New LLCs

The American Express Blue Business Cash™ Card

4.9

NerdWallet rating

Apply now

on American Express' website

Annual fee

$0

Rewards rate

1%-2% Cashback

Intro offer

$250

The long intro APR period can help newly established LLCs finance startup costs and bridge cash-flow gaps while earning up to 2% cash back on business costs.

The American Express Blue Business Cash™ Card

NerdWallet rating

4.9/5

Read review

Apply now

on American Express' website

Annual fee

$0

Rewards rate

1%-2% Cashback

Intro offer

$250

Our pick for

Intro APR period (purchases and balance transfers)

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

5.0

NerdWallet rating

Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-3% Cashback

Intro offer

$500

The

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

checks three big boxes for LLCs with a generous welcome offer, up to 3% cash back and a long intro APR period that applies to balance transfers as well as new purchases.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

NerdWallet rating

5.0/5

Read review

Apply now

on US Bank's website

Annual fee

$0

Rewards rate

1%-3% Cashback

Intro offer

$500

Our pick for

LLCs with venture backing

Brex Card

3.1

NerdWallet rating

Apply now

on Brex's website

Annual fee

$0

Rewards rate

1x-7x Points

Intro offer

10,000 Points

This card does not require a personal guarantee and you can apply with an EIN only. Plus, venture-backed LLCs can qualify with relatively low cash reserves (compared with other corporate cards). You'll also net perks like discounts on popular business tools and up to 7x rewards (terms apply).

Brex Card

NerdWallet rating

3.1/5

Read review

Apply now

on Brex's website

Annual fee

$0

Rewards rate

1x-7x Points

Intro offer

10,000 Points

Our pick for

Cash back boost (up to 75%)

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.7

NerdWallet rating

Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

$300

Combine the

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

with a Bank of America business checking account to earn up to 75% more cash back with the bank's Preferred Rewards for Business program. Terms apply.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

NerdWallet rating

4.7/5

Read review

Apply now

on Bank of America's website

Annual fee

$0

Rewards rate

1.5% Cashback

Intro offer

$300

Our pick for

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

4.6

NerdWallet rating

Apply now

on American Express' website

Annual fee

$0

Rewards rate

1x-2x Points

Intro offer

15,000 Points

If your LLC spends less than $50,000 annually, it's hard to top

The Blue Business® Plus Credit Card from American Express

, which earns 2 points per $1 on the first $50,000 spent each year. A long intro APR period and welcome offer only add to the no-annual-fee card's appeal.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating

4.6/5

Read review

Apply now

on American Express' website

Annual fee

$0

Rewards rate

1x-2x Points

Intro offer

15,000 Points

Our pick for

Welcome offer + annual travel credit

Capital One Venture X Business

5.0

NerdWallet rating

Apply now

on Capital One's website

Annual fee

$395

Rewards rate

2x-10x Miles

Intro offer

150,000 Miles

Yes, the annual fee is steep at

$395

but can be easily offset by the card's bonuses and perks, which include airport lounge access, a massive welcome offer and a $300 annual travel credit (terms apply).

Capital One Venture X Business

NerdWallet rating

5.0/5

Read review

Apply now

on Capital One's website

Annual fee

$395

Rewards rate

2x-10x Miles

Intro offer

150,000 Miles

Our pick for

LLC advertising spend

American Express® Business Gold Card

5.0

NerdWallet rating

Apply now

on American Express' website

Annual fee

$375

Rewards rate

1x-4x Points

Intro offer

70,000 Points

The

American Express® Business Gold Card

earns high marks for flexible bonus categories that let you earn up to 4X points where your business spends the most, including advertising (online, TV and radio) at U.S. media providers (terms apply).

American Express® Business Gold Card

NerdWallet rating

5.0/5

Read review

Apply now

on American Express' website

Annual fee

$375

Rewards rate

1x-4x Points

Intro offer

70,000 Points

NerdWallet's editorial picks: Best business credit cards for LLCs

Before applying, confirm details on the issuer’s website.

Ink Business Unlimited® Credit Card

Best for: Overall business card for LLCs

NerdWallet star rating: 5

The

Ink Business Unlimited® Credit Card

earns a simple, flat cash-back rate on every purchase, with no limit on how much you can earn. The sign-up bonus is outstanding for a cash-back card, particularly one with no annual fee, and there's an intro APR period for purchases. Learn more and apply.

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

Best for: Intro APR period (purchases and balance transfers)

NerdWallet star rating: 5

The

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

is a solid cash-back card for business owners.

Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases

. Plus, the card offers a competitive welcome bonus and

0% intro APR for 15 billing cycles on purchases and balance transfers, and then the ongoing APR of 19.24%-28.24% Variable APR

— all with a $ annual fee. Learn more and apply.

The Business Platinum Card® from American Express

Best for: Airport lounge access + travel credits

NerdWallet star rating: 5

Like the consumer version of this card,

The Business Platinum Card® from American Express

comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.

Capital One Venture X Business

Best for: Welcome offer + annual travel credit

NerdWallet star rating: 5

The

Capital One Venture X Business

offers some of the highest travel rewards rates around and a solid cash-back rate on everything else:

Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.

This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the

$395

annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.

American Express® Business Gold Card

Best for: LLC advertising spend

NerdWallet star rating: 5

The rewards on the

American Express® Business Gold Card

adjust according to your spending. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and cell phone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply.

» MORE: Best business cards for Google, Facebook and other ad spend

The American Express Blue Business Cash™ Card

Best for: New LLCs

NerdWallet star rating: 4.9

Every dollar matters to new LLCs, and

The American Express Blue Business Cash™ Card

gives you multiple opportunities to save and earn cash. For starters,

The American Express Blue Business Cash™ Card

boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). The annual fee is also

$0

. Learn more and apply.

Ink Business Preferred® Credit Card

Best for: Travel card for LLCs

NerdWallet star rating: 4.9

The

Ink Business Preferred® Credit Card

starts you off with one of the biggest sign-up bonuses of any credit card anywhere:

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠.

You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.

» MORE: Business credit cards with airport lounge access

Capital One Spark Miles for Business

Best for: Flat-rate travel rewards

NerdWallet star rating: 4.8

The

Capital One Spark Miles for Business

earns 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. (See rates and fees.) Learn more and apply.

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®

Best for: Cash back boost (up to 75%)

NerdWallet star rating: 4.7

If your spending doesn't align with typical bonus categories, consider the

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

. This card offers

1.5%

cash back on all purchases with no annual cap. Rewards can climb even higher for Bank of America® customers who qualify for the bank's Preferred Rewards for Business program — up to 2.62%, depending on the tier — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.

The Blue Business® Plus Credit Card from American Express

Best for: LLCs with annual spend below $50K

NerdWallet star rating: 4.6

The Blue Business® Plus Credit Card from American Express

is a near-twin to

The American Express Blue Business Cash™ Card

, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.

Ramp Card

Best for: Corporate card (no personal guarantee)

NerdWallet star rating: 3.7

The

Ramp Card

's main selling point: It does not require a credit check or personal guarantee. You just need strong revenue and a healthy bank balance. The corporate charge card also offers unlimited cash-back rewards and card-level spending controls with no annual fee. Learn more and apply.

Brex Card

Best for: LLCs with venture backing

NerdWallet star rating: 3.1

The

Brex Card

doesn't require a personal credit check and business owners can apply with an EIN only. There's also no personal guarantee. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. The Brex card also offers a decent welcome bonus, earns ongoing rewards and offers direct integration with popular accounting and bookkeeping software. Learn more and apply.

Can an LLC get a credit card?

Yes, LLCs can get credit cards. Approval for business credit cards largely depends on the personal credit of the applicant, not factors like incorporation status or revenue. In fact, a business credit card can be a great tool for new LLCs and existing companies to build business credit and separate business and personal finances.

You should apply for an LLC business card using your employer identification number, or EIN, though most business cards also require your Social Security number. You'll need to consent to a personal guarantee, too, which states that you (the applicant) will pay the bill if your business can't.

You may be able to get a business credit card with no personal guarantee if your LLC has high annual revenue and has been in business for several years. Those will typically be corporate cards. Because LLCs are registered businesses, they can usually qualify for these cards even though they aren't structured as corporations.

How to choose a business credit card for your LLC

The right business credit card for your LLC will help you finance necessary purchases and offer maximal rewards on your spending. Here’s what to look for while choosing one.

Rewards that match your spending

Credit card rewards typically fall into two categories: cash back or travel points. If you travel often, a business card that offers travel rewards can quickly fund your next big trip — but these cards usually come with annual fees. A cash-back business credit card could be your best choice if you want to keep expenses low, since cash-back cards with no annual fee are more common.

Within those categories, you’ll also need to choose between a card with flat-rate rewards or one with bonus tiers. Opt for a card with bonus tiers if you spend a lot in the high-reward categories, typically travel, gas stations and office supply stores, depending on the card. Otherwise, stick with a flat-rate card that doles out the same reward rate no matter where you spend.

» MORE: Best business cards for online ad spend

0% intro APR periods — especially for new businesses

Some credit cards offer a 0% introductory APR period, which can serve as an alternative to a business loan for newer, smaller businesses. If you’re a new LLC facing startup expenses or have a large purchase on the horizon, you can pay off these costs over the course of the no-interest period.

Already have an outstanding balance that accumulates high interest? Transfer that debt to a balance-transfer business card to buy you time to pay it down without interest.

EIN-only application

Most business credit cards require a Social Security number and an EIN when you apply, but there are a few exceptions. Corporate cards, like Ramp and Brex, let you apply with only an EIN. However, to qualify for a corporate card, your LLC will typically need angel investment or venture funding or to be generating millions of dollars in annual revenue.

» MORE: Best corporate credit cards

To view rates and fees of

The American Express Blue Business Cash™ Card

, see this page.

To view rates and fees of

The Business Platinum Card® from American Express

, see this page.

To view rates and fees of the

American Express® Business Gold Card

, see this page.

Best Business Credit Cards for LLCs (2024)

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