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Best Business Credit Cards for LLCs of December 2024

LLC business credit cards can build business credit, reward your spending and even offer flexible financing.
By Katherine Fan, Kelsey Sheehy
Last updated on December 3, 2024
Edited by Ryan Lane
Fact checked and reviewed

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.

Using a dedicated LLC business credit card can help you draw a firm line between your business and personal spending, which is necessary for maintaining your limited liability company protections. For newer LLCs, a business credit card can check another important box: establishing and building business credit. Plus, you can get valuable rewards on everyday business spending and perks like lounge access or statement credits, depending on the card you choose.

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.

Using a dedicated LLC business credit card can help you draw a firm line between your business and personal spending, which is necessary for maintaining your limited liability company protections. For newer LLCs, a business credit card can check another important box: establishing and building business credit. Plus, you can get valuable rewards on everyday business spending and perks like lounge access or statement credits, depending on the card you choose.

Here are the best business credit cards for LLC

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Overall business card for LLCs

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Travel card for LLCs

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

LLC advertising spend

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

Cash back boost (up to 75%)

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

Apply now

on Bank of America's website

4.4/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

New LLCs

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Flat-rate travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

LLCs with venture backing

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

2.8/5
$0

1%-1.5%

Cashback

N/A

Apply now

on Ramp's website

Intro APR period (purchases)

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Overall business card for LLCs

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Travel card for LLCs

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.7/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

LLC advertising spend

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.6/5
$375

1x-4x

Points

100,000

Points

⏱️ New elevated offer

Apply now

on American Express' website

Rates & Fees

Cash back boost (up to 75%)

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

Apply now

on Bank of America's website

4.4/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.8/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

New LLCs

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.7/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Flat-rate travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.5/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

LLCs with venture backing

Brex Card

Apply now

on Brex's website

3.2/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

2.8/5
$0

1%-1.5%

Cashback

N/A

Apply now

on Ramp's website

Intro APR period (purchases)

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

Apply now

on U.S. Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Overall business card for LLCs

Ink Business Unlimited® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Pros

  • No annual fee
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Transfer partners

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Travel card for LLCs

Ink Business Preferred® Credit Card

Read Review
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Pros

  • New cardholder bonus offer
  • Bonus categories
  • Transfer partners

Cons

  • Has annual fee
  • No intro APR offer

Ink Business Preferred® Credit Card

NerdWallet rating 

4.7/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

Our pick for

LLC advertising spend

American Express® Business Gold Card

Read Review
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points

⏱️ New elevated offer

Pros

  • Bonus categories
  • Transfer partners
  • Luxury perks

Cons

  • Has annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
  • Requires good/excellent credit

American Express® Business Gold Card

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points

⏱️ New elevated offer

Our pick for

Cash back boost (up to 75%)

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

Read Review
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Pros

  • No annual fee
  • New cardholder bonus offer
  • High cash back rate

Cons

  • Has foreign transaction fee
  • Requires excellent credit

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

NerdWallet rating 

4.4/5
Apply now

on Bank of America's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Our pick for

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Read Review
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Pros

  • Lounge membership
  • Transfer partners
  • Bonus categories
  • Automatic elite status
  • Premium travel protections

Cons

  • High annual fee
  • Complicated rewards
  • Requires good/excellent credit

The Business Platinum Card® from American Express

NerdWallet rating 

4.8/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 Points

Our pick for

New LLCs

The American Express Blue Business Cash™ Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Pros

  • No annual fee
  • High rewards rate
  • Intro APR period
  • Cash rewards

Cons

  • Spending caps on bonus rewards
  • Requires good/excellent credit

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.7/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Flat-rate travel rewards

Capital One Spark Miles for Business

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