BEST OF

5 Best LLC Business Credit Cards of January 2022

The right business credit card for your LLC can build your business credit and reward your spend.

Jan 25, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best business credit card for your LLC will reward your spending habits. If you travel often, a card that offers travel rewards can quickly fund your next big trip. A high-earning cash-back card could be your best choice if you want to keep expenses low. And, if you want to finance major business expenses on your credit card, choose a product that offers a low interest rate or a 0% introductory APR period.

A credit card for your LLC can increase your business credit score. If you have an LLC, or limited liability company, apply for a business credit card using your employer identification number, or EIN. Responsibly using a business card linked to your EIN can help build your company’s business credit.

Some of our selections for the best LCC business credit cards can be applied for through NerdWallet, and some cannot. Below, you'll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

NerdWallet's Best LLC Business Credit Cards of January 2022

Best LLC Business Credit Cards

Our pick for

Flexible travel rewards and big sign-up bonus

Apply now

on Chase's website

Ink Business Preferred® Credit Card

5.0

NerdWallet rating 
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

100,000

Points

Recommended Credit Score

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Transfer partners

Cons

  • Has annual fee

  • No intro APR offer

  • Earn 100k bonus points after you spend $15,000 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®

  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open

  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Read full review

Our pick for

Intro APR + AmEx points

Apply now

on American Express's website

American Express Blue Business Cash™ Card

5.0

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

$250

Recommended Credit Score

Pros

  • No annual fee

  • High rewards rate

  • Intro APR period

  • Cash rewards

Cons

  • Spending caps on bonus rewards

  • Requires good/excellent credit

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.

  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.

  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors.

  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

  • No Annual Fee

  • Terms Apply

  • View Rates & Fees
Read full review

Our pick for

No personal guarantee

Apply now

on Brex's website

Brex Card

3.3

NerdWallet rating 
Apply now

on Brex's website

Annual fee

$0

Rewards rate

1x-7x

Points

Intro offer

40,000

Points

Recommended Credit Score

Pros

  • No annual fee

  • New cardholder bonus offer

  • Qualify with limited/bad credit

  • Bonus categories

  • No foreign transaction fees

  • No personal guarantee

Cons

  • Complicated rewards

  • No Intro APR

  • No revolving balances

  • Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

  • No personal guarantee needed – Brex does not ask for a personal credit check or security deposit during the application.

  • Credit limits 10-20x higher than traditional small business corporate cards.

  • Minimum bank balance of $50,000 from professional investors may be required to qualify for Brex.

  • Exclusive signup offers from the best products and tools for your business (e.g. AWS, Google Ads, WeWork, Salesforce) worth up to $150,000 in value.

  • Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions.

  • Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.

  • Miles transfer program to 7 airlines (including Singapore Airlines, Qantas, Air France, and more) and their loyalty programs, giving Brex customers access to book travel across all of the major global airline alliances - Star Alliance, Oneworld, and SkyTeam.

  • 30-day charge card running on the Mastercard network. Enjoy global acceptance with no foreign transaction fees.

  • Build business credit: Brex partners with Dun & Bradstreet and Experian to report your on-time payments.

  • Make employee expenses seamless - automated receipt-capture and expense matching and reconciliation via text, email, and mobile app. Instantly add new users and set spending limits.

  • Contactless pay with Apple Pay, Google Pay, and Samsung Pay.

  • Simplify reconciliation with built-in integrations with QuickBooks, Xero, NetSuite, and more.

Read full review

Our pick for

Travel rewards — premium rewards and perks

Apply now

on American Express's website

The Business Platinum Card® from American Express

5.0

NerdWallet rating 
Apply now

on American Express's website

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

120,000

Points

Recommended Credit Score

Pros

  • Lounge membership

  • Transfer partners

  • Bonus categories

  • Automatic elite status

  • Premium travel protections

Cons

  • Has annual fee

  • Complicated rewards

  • Requires good/excellent credit

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.

  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.

  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.

  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.

  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.

  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.

  • $695 Annual Fee.

  • Terms Apply.

  • View Rates & Fees
Read full review

Our pick for

Flat-rate cash back on all purchases

Apply now

on Chase's website

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

Recommended Credit Score

Pros

  • No annual fee

  • Intro APR period

  • No reward caps

  • New cardholder bonus offer

Cons

  • No bonus categories

  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

  • Earn unlimited 1.5% cash back on every purchase made for your business

  • No Annual Fee

  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.

  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.

  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

  • 0% introductory APR for 12 months on purchases

Read full review

FULL LIST OF EDITORIAL PICKS: BEST LLC BUSINESS CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Flexible travel rewards and big sign-up bonus

The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. 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. Read our review.

Our pick for: Intro APR + AmEx points

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. Read our review.

Our pick for: No personal guarantee

Unlike most cards designed for entrepreneurs, the Brex Card doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well capitalized. The card earns rewards, too. Read our review.

Our pick for: Travel rewards — premium rewards and perks

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 bonus 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. Read our review.

Our pick for: Flat-rate cash back on all purchases

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 introductory 0% APR period for purchases. Read our review. 

What to look for in a business credit card for your LLC

An incorporated company’s financial needs, priorities and considerations can vary significantly from that of a sole proprietorship. The following business credit card attributes can be particularly beneficial for LLC business owners.

High credit limit

A high-limit business card can boost your business credit score by increasing your credit limit overall, which lowers your credit utilization, even when you spend the same amount you previously did. The high credit limit also allows you to make large business purchases as needed without having to split the transaction between different payment methods.

Balance transfer and 0% intro APR period

Some credit cards offer a no-interest introductory period that can serve as a creative alternative to a business loan. If you have a large purchase coming up, you can buy it with your credit card and pay off the cost over the course of the no-interest period. Or, if you already have an outstanding balance that accumulates high interest, you can transfer that debt to a balance-transfer credit card that offers a 0% intro APR.

Last updated on January 25, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees, or tools for managing business expenses.