Many or all of the products featured here are from our partners who compensate us. This influences 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 with cash back, reward points, travel perks or a combination thereof. A business credit card can also help new LLCs establish and build their business credit and finance some early purchases while developing cash flow.
Apply for an LLC credit card using your employer identification number, or EIN, to keep a clear separation between personal and business spending — which is essential for maintaining LLC protections. But be aware that almost all cards will require your Social Security number, too, since approval is based on your personal credit.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections 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.
Many or all of the products featured here are from our partners who compensate us. This influences 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 with cash back, reward points, travel perks or a combination thereof. A business credit card can also help new LLCs establish and build their business credit and finance some early purchases while developing cash flow.
Apply for an LLC credit card using your employer identification number, or EIN, to keep a clear separation between personal and business spending — which is essential for maintaining LLC protections. But be aware that almost all cards will require your Social Security number, too, since approval is based on your personal credit.
All of our picks for the best business cards are chosen by our editorial team, who follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the business card for your company. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features. View our full methodology.
Note: Some of our selections 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.
Here are the best business credit cards for LLCs from our partners
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Travel rewards + big sign-up bonus | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Ramp Card Apply now on Ramp's website | 4.0/5 Best for Corporate card (no personal guarantee) | $0 | 1.5% Cashback | N/A | Apply now on Ramp's website |
The Business Platinum Card® from American Express Apply now on American Express' website Rates & Fees | 5.0/5 Best for Luxury travel perks | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express' website Rates & Fees |
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Overall business card for LLCs | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.7/5 Best for Flat-rate travel rewards | $0 intro for the first year, then $95 | 2x-5x Points | 50,000 Points | Apply now on Capital One's website Rates & Fees |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for New LLCs | $0 | 1%-2% Cashback | N/A | Apply now on American Express' website Rates & Fees |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Intro APR + balance transfers | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Brex Card Apply now on Brex's website | 3.2/5 Best for Applying with an EIN only | $0 | 1x-7x Points | 10,000 Points | Apply now on Brex's website |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.3/5 Best for Cash back boost (up to 75%) | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.7/5 Best for No annual fee travel card | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
The Blue Business® Plus Credit Card from American Express Apply now on American Express' website Rates & Fees | 4.9/5 Best for 0% APR intro period + reward points | $0 | 1x-2x Points | N/A | Apply now on American Express' website Rates & Fees |
Our pick for
Travel rewards + big sign-up bonus
Ink Business Preferred® Credit Card
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- 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®
- 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
- Round-the-clock monitoring for unusual credit card purchases
- 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.
- Member FDIC
Our pick for
Corporate card (no personal guarantee)
Ramp Card
Read Review
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Pros
- No annual fee or foreign transaction fees
- Simple, straightforward rewards
- No personal guarantee or credit check
- Direct integrations with popular tools and card-level spending controls and alerts
Cons
- Balance must be paid in full each month
- Not available to sole proprietors or unincorporated businesses
- Earn unlimited 1.5% cash back on all purchases, no minimum spend required.
- No annual fee or foreign transaction fees.
- No personal credit check or personal guarantee required.
- Issue unlimited virtual cards and physical cards for each employee.
- Prevent out-of-policy spending with built-in controls, including spend restrictions by category or merchant.
- Ramp is a corporate charge card powered by Visa. Businesses are required to pay the monthly balance in full by each statement period.
- Must have at least $75,000 in cash in any U.S. business bank account to qualify.
- Must have most of your operations and corporate spend in the US (although Ramp does support international transactions and will waive all related transaction fees).
- Ramp is only available to corporations, LLCs and limited partnerships. Individuals, sole proprietorships and unregistered businesses are not eligible.
Our pick for
Luxury travel perks
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
- 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.
- 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 (that’s an extra half point per dollar) on each eligible purchase 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
View Rates & Fees
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
$900
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- Earn $900 bonus cash back after you spend $6,000 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.
- Round-the-clock monitoring for unusual credit card purchases
- 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
- Member FDIC
Our pick for
Flat-rate travel rewards
Capital One Spark Miles for Business
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
Pros
- High rewards rate
- No minimum redemption amount
Cons
- Has annual fee
- No Intro APR period
- High APR
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
View Rates & Fees
Our pick for
New LLCs
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
N/A
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
N/A
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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 us and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Our pick for
Intro APR + balance transfers
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Applying with an EIN only
Brex Card
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
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 structure
- High capital requirement for approval
- Daily repayment may be required
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
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 structure
- High capital requirement for approval
- Daily repayment may be required
- Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
- 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.
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
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
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on all purchases.
- No annual cap and cash rewards don’t expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - the security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
No annual fee travel card
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Read Review
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
0% APR intro period + reward points
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
N/A
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
N/A
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *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 us, and other factors.
- No Annual Fee
- Terms Apply
View Rates & Fees
Full list of editorial picks: Best business credit cards for LLCs
Before applying, confirm details on the issuer’s website.
1. Ink Business Unlimited® Credit Card
Best for: Overall business card for LLCs
NerdWallet star rating: 5.0
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.2. The American Express Blue Business Cash™ Card
Best for: New LLCs
NerdWallet star rating: 5.0
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.3. U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Intro APR + balance transfers
NerdWallet star rating: 5.0
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 $0
annual fee. Learn more and apply.4. Ink Business Preferred® Credit Card
Best for: Travel rewards + big sign-up bonus
NerdWallet star rating: 5.0
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. Learn more and apply.5. The Business Platinum Card® from American Express
Best for: Luxury travel perks
NerdWallet star rating: 5.0
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.6. The Blue Business® Plus Credit Card from American Express
Best for: APR intro period + reward points
NerdWallet star rating: 4.9
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.7. Capital One Spark Miles for Business
Best for: Flat-rate travel rewards
NerdWallet star rating: 4.7
The
Capital One Spark Miles for Business
is basically a business version of the popular Capital One Venture Rewards Credit Card
. You earn 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. Learn more and apply.8. Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Best for: Cash back boost (up to 75%)
NerdWallet star rating: 4.3
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 Preferred Rewards for Business tier — up to 2.62% — which is tough to beat among flat-rate cash-back business credit cards. Learn more and apply.9. Ramp Card
Best for: Corporate card (no personal guarantee)
NerdWallet star rating: 4.0
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.10. Bank of America® Business Advantage Travel Rewards World Mastercard®
Best for: No annual fee business travel card
NerdWallet star rating: 3.7
This is the business version of the issuer's excellent no-annual-fee travel card. The
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
pays solid rewards on every purchase and gives you wide flexibility in redeeming your points for any travel purchase, without the restrictions of branded airline and hotel cards. Learn more and apply.11. Brex Card
Best for: Applying with an EIN only
NerdWallet star rating: 3.2
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 business credit card?
You don’t need to be incorporated to get a business credit card. LLCs can be approved based on their operator’s personal credit history, not criteria like time in business or revenue.
When you apply, issuers will ask you to provide your Social Security number and guarantee the debt. That means that opening a business card with your LLC won’t shield you from personal responsibility. If your company can’t pay the business credit card, you’ll have to cover the bill.
Your LLC probably can’t get a business credit card with no personal guarantee, especially if it’s newly formed. Those options often require multiple years in operation, have high annual revenue requirements or are only available to corporations.
What to look for in 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 often 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.
» 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.Last updated on September 28, 2023
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. Learn more about how we rate business credit cards.