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Best Business Credit Cards for LLCs of May 2025

LLC business credit cards can build business credit, reward your spending and even offer flexible financing.
Written by

Kelsey Sheehy

Edited by

Ryan Lane

Last updated on April 30, 2025

Fact checked and reviewed
Question mark icon

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.
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.

Find the right credit card for your business

Answer a few quick questions, and we’ll match you to personalized card recommendations.

Here are the best business credit cards for LLCs

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more
NerdWallet mini logo
Best Small Business Credit Card 2025

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

Rates & Fees

4.9/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Rates & Fees

LLCs with big budgets (no preset spending limit)

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

4.9/5
$150

2%-5%

Cashback

$2,000

Apply now

on Capital One's website

Rates & Fees

Unlimited 2% cash back + no foreign transaction fees.

Capital One Spark Cash

Apply now

on Capital One's website

Rates & Fees

4.7/5
$0 intro for the first year, then $95

2%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

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

New LLCs

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.5/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

LLC advertising spend

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

4.3/5
$375

1x-4x

Points

100,000

Points

Apply now

on American Express' website

Rates & Fees

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

4.3/5
$0

1%-1.5%

Cashback

$250

⏱️ New bonus offer

Apply now

on Ramp's website

Airport lounge access + travel credits

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

4.5/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Travel card for LLCs

Ink Business Preferred® Credit Card

Apply now

on Chase's website

Rates & Fees

4.8/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's 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

4.6/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

4.9/5
$395

2x-10x

Miles

Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

LLCs with venture backing

Brex Card

Apply now

on Brex's website

5.0/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Flat-rate travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.7/5
$0 intro for the first year, then $95

2x-5x

Miles

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Intro APR period (purchases)

U.S. Bank Triple Cash Rewards Visa® Business Card

Apply now

on U.S. Bank's website

Rates & Fees

4.4/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

5% cash back on Amazon brands

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.5/5
$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

Credit cardBest forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

Rates & Fees

NerdWallet mini logo

BEST SMALL BUSINESS CREDIT CARD OF 2025

4.9/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Rates & Fees

Capital One Spark Cash Plus

Apply now

on Capital One's website

Rates & Fees

Best for LLCs with big budgets (no preset spending limit)
4.9/5
$150

2%-5%

Cashback

$2,000

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash

Apply now

on Capital One's website

Rates & Fees

Best for Unlimited 2% cash back + no foreign transaction fees.
4.7/5
$0 intro for the first year, then $95

2%-5%

Cashback

$750

Apply now

on Capital One's website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

Best for LLCs with annual spend below $50K
4.4/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

Best for New LLCs
4.5/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

Best for LLC advertising spend
4.3/5
$375

1x-4x

Points

100,000

Points

Apply now

on American Express' website

Rates & Fees

Ramp Card

Apply now

on Ramp's website

Best for Corporate card (no personal guarantee)
4.3/5
$0

1%-1.5%

Cashback

$250

⏱️ New bonus offer

Apply now

on Ramp's website

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

Best for Airport lounge access + travel credits
4.5/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

Apply now

on Chase's website

Rates & Fees

Best for Travel card for LLCs
4.8/5
$95

1x-3x

Points

90,000

Points

Apply now

on Chase's website

Rates & Fees

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

Apply now

on Bank of America's website

Best for Cash back boost (up to 75%)
4.6/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

Best for Welcome offer + annual travel credit
4.9/5
$395

2x-10x

Miles

Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

Brex Card

Apply now

on Brex's website

Best for LLCs with venture backing
5.0/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

Best for Flat-rate travel rewards
4.7/5
$0 intro for the first year, then $95

2x-5x

Miles

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Apply now

on U.S. Bank's website

Rates & Fees

Best for Intro APR period (purchases)
4.4/5
$0

1%-3%

Cashback

$750

Apply now

on U.S. Bank's website

Rates & Fees

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

Best for 5% cash back on Amazon brands
4.5/5
$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

I'M INTERESTED IN:

Our pick for

Overall business card for LLCs

NerdWallet mini logo
Best Small Business Credit Card 2025
NerdWallet mini logo
Best Small Business Credit Card 2025

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

  • High rewards rate
  • Intro APR period
  • No reward caps
  • New cardholder bonus offer

Cons

  • No bonus categories
NerdWallet mini logo
Best Small Business Credit Card 2025
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750

Our pick for

LLCs with big budgets (no preset spending limit)

Capital One Spark Cash Plus

Read Review
Apply now

on Capital One's website

Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

Pros

  • High rewards rate
  • No preset spending limit
  • No foreign transaction fees
  • New cardholder bonus offer

Cons

  • High annual fee
  • Balance must be paid in full every month
  • High spending requirement to hit bonuses
  • Requires excellent credit
Annual fee
$150
Rewards rate
2%-5% Cashback
Intro offer
$2,000

Our pick for

Unlimited 2% cash back + no foreign transaction fees.

Capital One Spark Cash

Read Review
Apply now

on Capital One's website

Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Cashback
Intro offer
$750

Pros

  • High rewards rate
  • No foreign transaction fees
  • New cardholder bonus offer
  • No reward caps

Cons

  • Requires excellent credit
  • Reports all card activity to consumer credit bureaus
  • No Intro APR period
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-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

  • High rewards rate
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Spending caps on bonus rewards
  • Low rate after you hit bonus cap
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 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

  • High cash-back bonus rate
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Spending caps on bonus rewards
  • Low rate after you hit bonus cap
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

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

Pros

  • Transfer partners
  • New cardholder bonus offer
  • Intro APR period
  • High reward rate in bonus categories

Cons

  • High annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
100,000 Points

Our pick for

Corporate card (no personal guarantee)

Ramp Card

Read Review
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
$250

⏱️ New bonus offer

Pros

  • No annual fee or foreign transaction fees
  • No personal guarantee or credit check
  • Direct integrations with tools and card-level spending controls
  • Rewards do not expire
  • Card-level spending controls

Cons

  • Not available to sole proprietors
  • Rewards rate varies and is determined per customer
Annual fee
$0
Rewards rate
1%-1.5% Cashback
Intro offer
$250

⏱️ New bonus offer

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
  • Automatic elite status
  • Annual statement credit for travel, business expenses
  • New cardholder bonus offer

Cons

  • High annual fee
  • Low ongoing rewards rate
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
150,000 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
  • High reward redemption rate
  • Transfer partners

Cons

  • Does not include lounge access or travel credits
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points

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

  • New cardholder bonus offer
  • High rewards rate
  • Bonus rewards for qualifying Preferred Rewards for Business members

Cons

  • Requires excellent credit
  • Multiple accounts, high combined balance required to get Preferred Rewards bonus
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300

Our pick for

Welcome offer + annual travel credit

Capital One Venture X Business

Read Review
Apply now

on Capital One's website

Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Pros

  • High rewards rate
  • New cardholder bonus offer
  • Priority Pass lounge membership
  • Annual travel credit, bonus points
  • Statement credit for Global Entry, TSA PreCheck®

Cons

  • High annual fee
  • Requires excellent credit
  • Balance must be paid in full every month
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Our pick for

LLCs with venture backing

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 or foreign transaction fees
  • New cardholder bonus offer
  • No personal guarantee
  • Card-level spending controls

Cons

  • Complicated rewards structure
  • High capital requirement for approval
  • Daily repayment may be required
  • Not available to sole proprietors
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

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 Miles
Intro offer
50,000 Miles

Pros

  • High rewards rate
  • New cardholder bonus offer
  • No reward caps
  • Statement credit for Global Entry, TSA PreCheck®
  • Annual fee waived for first year

Cons

  • Reports all card activity to consumer credit bureaus
  • Does not include lounge access or automatic elite status
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Miles
Intro offer
50,000 Miles

Our pick for

Intro APR period (purchases)

U.S. Bank Triple Cash Rewards Visa® Business Card

Read Review
Apply now

on U.S. Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Pros

  • High cash-back bonus rate
  • No cap on bonus rewards
  • Intro APR period on purchases
  • Reports to Dun & Bradstreet
  • New cardholder bonus offer

Cons

  • Low rate outside bonus categories
  • Activity on employee cards does not count toward bonus spending requirement
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750

Our pick for

5% cash back on Amazon brands

Amazon Business Prime American Express Card

Read Review
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125

Pros

  • No annual fee
  • No foreign transaction fees
  • High reward rate in bonus categories

Cons

  • Spending caps on bonus rewards
  • Prime membership required
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125

Here are the best business credit cards for LLCs

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Here are the best business credit cards for LLCs

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Best of awards Nerdwallet's badge2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9 

Best for Overall business card for LLCs

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Best of awards Nerdwallet's badge

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

Best for Overall business card for LLCs

4.9 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$750
Apply now

on Chase's website

Rates & Fees

Capital One Spark Cash Plus

4.9 

Best for LLCs with big budgets (no preset spending limit)

Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash Plus

Best for LLCs with big budgets (no preset spending limit)

4.9 
Annual fee
$150
Rewards rate
2%-5%

Cashback

Intro offer
$2,000
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash

4.7 

Best for Unlimited 2% cash back + no foreign transaction fees.

Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%

Cashback

Intro offer
$750
Apply now

on Capital One's website

Rates & Fees

Capital One Spark Cash

Best for Unlimited 2% cash back + no foreign transaction fees.

4.7 
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5%

Cashback

Intro offer
$750
Apply now

on Capital One's website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

4.4 

Best for LLCs with annual spend below $50K

Annual fee
$0
Rewards rate
1x-2x

Points

Intro offer
15,000

Points

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Best for LLCs with annual spend below $50K

4.4 
Annual fee
$0
Rewards rate
1x-2x

Points

Intro offer
15,000

Points

Apply now

on American Express' website

Rates & Fees

The American Express Blue Business Cash™ Card

4.5 

Best for New LLCs

Annual fee
$0
Rewards rate
1%-2%

Cashback

Intro offer
$250
Apply now

on American Express' website

Rates & Fees

The American Express Blue Business Cash™ Card

Best for New LLCs

4.5 
Annual fee
$0
Rewards rate
1%-2%

Cashback

Intro offer
$250
Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

4.3 

Best for LLC advertising spend

Annual fee
$375
Rewards rate
1x-4x

Points

Intro offer
100,000

Points

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Best for LLC advertising spend

4.3 
Annual fee
$375
Rewards rate
1x-4x

Points

Intro offer
100,000

Points

Apply now

on American Express' website

Rates & Fees

Ramp Card

4.3 

Best for Corporate card (no personal guarantee)

Annual fee
$0
Rewards rate
1%-1.5%

Cashback

Intro offer
$250

⏱️ New bonus offer

Apply now

on Ramp's website

Ramp Card

Best for Corporate card (no personal guarantee)

4.3 
Annual fee
$0
Rewards rate
1%-1.5%

Cashback

Intro offer
$250

⏱️ New bonus offer

Apply now

on Ramp's website

The Business Platinum Card® from American Express

4.5 

Best for Airport lounge access + travel credits

Annual fee
$695
Rewards rate
1x-5x

Points

Intro offer
150,000

Points

Apply now

on American Express' website

Rates & Fees

The Business Platinum Card® from American Express

Best for Airport lounge access + travel credits

4.5 
Annual fee
$695
Rewards rate
1x-5x

Points

Intro offer
150,000

Points

Apply now

on American Express' website

Rates & Fees

Ink Business Preferred® Credit Card

4.8 

Best for Travel card for LLCs

Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

Ink Business Preferred® Credit Card

Best for Travel card for LLCs

4.8 
Annual fee
$95
Rewards rate
1x-3x

Points

Intro offer
90,000

Points

Apply now

on Chase's website

Rates & Fees

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

4.6 

Best for Cash back boost (up to 75%)

Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$300
Apply now

on Bank of America's website

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

Best for Cash back boost (up to 75%)

4.6 
Annual fee
$0
Rewards rate
1.5%

Cashback

Intro offer
$300
Apply now

on Bank of America's website

Capital One Venture X Business

4.9 

Best for Welcome offer + annual travel credit

Annual fee
$395
Rewards rate
2x-10x

Miles

Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

Capital One Venture X Business

Best for Welcome offer + annual travel credit

4.9 
Annual fee
$395
Rewards rate
2x-10x

Miles

Intro offer
Up to 350,000 Miles

⏱️ Limited time offer

Apply now

on Capital One's website

Rates & Fees

Brex Card

5.0 

Best for LLCs with venture backing

Annual fee
$0
Rewards rate
1x-7x

Points

Intro offer
10,000

Points

Apply now

on Brex's website

Brex Card

Best for LLCs with venture backing

5.0 
Annual fee
$0
Rewards rate
1x-7x

Points

Intro offer
10,000

Points

Apply now

on Brex's website

Capital One Spark Miles for Business

4.7 

Best for Flat-rate travel rewards

Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Capital One Spark Miles for Business

Best for Flat-rate travel rewards

4.7 
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x

Miles

Intro offer
50,000

Miles

Apply now

on Capital One's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4 

Best for Intro APR period (purchases)

Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

U.S. Bank Triple Cash Rewards Visa® Business Card

Best for Intro APR period (purchases)

4.4 
Annual fee
$0
Rewards rate
1%-3%

Cashback

Intro offer
$750
Apply now

on U.S. Bank's website

Rates & Fees

Amazon Business Prime American Express Card

4.5 

Best for 5% cash back on Amazon brands

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now

on American Express' website

Rates & Fees

Amazon Business Prime American Express Card

Best for 5% cash back on Amazon brands

4.5 
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now

on American Express' website

Rates & Fees

Other top business cards for LLCs

These business credit cards are also worth considering. Before applying, confirm details on the issuer's website.

Wells Fargo Signify Business Cash℠ Card

Best for: Unlimited 2% cash back + no annual fee
NerdWallet star rating:
4.9
.
The
Wells Fargo Signify Business Cash℠ Card
is an excellent business card for LLCs. It's one of the only business credit cards to offer unlimited
2%
with no annual fee. On top of that, you get a long intro APR period and the chance to snag a nice welcome offer. The downside: You need an existing Wells Fargo checking or savings account to apply online. Otherwise, you need to visit a branch.

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.
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.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.
The information related to the Wells Fargo Signify Business Cash℠ Card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on April 30, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.
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