Best Business Credit Cards for LLCs (2024)

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

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.

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.

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.

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.

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.

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 100k 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 Ultimate Rewards®.

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.

NerdWallet star rating: 4.8

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.

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.

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.

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.

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.

While you should apply for an LLC business card using your employer identification number, or EIN, 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.

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.

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.

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.