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.
Business credit cards provide LLCs with a necessary feature. Creating a clear separation between personal and business spending is essential for maintaining limited liability company, or LLC, protections. Using a dedicated LLC business credit card can help you draw this line. For new LLCs, a business credit card can check another important box: establishing and building business credit.
But the best business cards for LLCs benefit you even more. Our choices offer rewards like cash back on purchases or points and perks that can make business travel more comfortable. Several cards have long 0% intro APR periods as well, so you can tap into interest-free financing for big purchases or if you're developing cash flow. The right choice will depend on your LLC's needs.
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 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.
Business credit cards provide LLCs with a necessary feature. Creating a clear separation between personal and business spending is essential for maintaining limited liability company, or LLC, protections. Using a dedicated LLC business credit card can help you draw this line. For new LLCs, a business credit card can check another important box: establishing and building business credit.
But the best business cards for LLCs benefit you even more. Our choices offer rewards like cash back on purchases or points and perks that can make business travel more comfortable. Several cards have long 0% intro APR periods as well, so you can tap into interest-free financing for big purchases or if you're developing cash flow. The right choice will depend on your LLC's needs.
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 LLC 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 | 4.9/5 Best for Travel card for LLCs | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Ramp Card Apply now on Ramp's website | 3.7/5 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 Airport lounge access + travel credits | $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 | $750 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 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 | 4.9/5 Best for New LLCs | $0 | 1%-2% Cashback | $250 | 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 period (purchases and balance transfers) | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Brex Card Apply now on Brex's website | 3.1/5 Best for LLCs with venture backing | $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 | 4.7/5 Best for Cash back boost (up to 75%) | $0 | 1.5% Cashback | $300 | 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 | 4.6/5 Best for LLCs with annual spend below $50K | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Welcome offer + annual travel credit | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for LLC advertising spend | $375 | 1x-4x Points | 70,000 Points | Apply now on American Express' website Rates & Fees |
| Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Preferred® Credit Card Apply now on Chase's website | 4.9/5 Best for Travel card for LLCs | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
Ramp Card Apply now on Ramp's website | 3.7/5 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 Airport lounge access + travel credits | $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 | $750 | Apply now on Chase's website |
Capital One Spark Miles for Business Apply now on Capital One's website Rates & Fees | 4.8/5 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 | 4.9/5 Best for New LLCs | $0 | 1%-2% Cashback | $250 | 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 period (purchases and balance transfers) | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Brex Card Apply now on Brex's website | 3.1/5 Best for LLCs with venture backing | $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 | 4.7/5 Best for Cash back boost (up to 75%) | $0 | 1.5% Cashback | $300 | 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 | 4.6/5 Best for LLCs with annual spend below $50K | $0 | 1x-2x Points | 15,000 Points | Apply now on American Express' website Rates & Fees |
Capital One Venture X Business Apply now on Capital One's website Rates & Fees | 5.0/5 Best for Welcome offer + annual travel credit | $395 | 2x-10x Miles | 150,000 Miles | Apply now on Capital One's website Rates & Fees |
American Express® Business Gold Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for LLC advertising spend | $375 | 1x-4x Points | 70,000 Points | Apply now on American Express' website Rates & Fees |
Discover business products tailored to your needs
Monitor your business credit score, manage your cash flow, and get curated recommendations to drive your business’s growth.
I'M INTERESTED IN:
Our pick for
Travel card for LLCs
Ink Business Preferred® Credit Card
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
A low annual fee, stellar welcome offer and up to 3X points on travel and other common business expenses are a winning combination for LLCs hoping to rack up travel points.
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
A low annual fee, stellar welcome offer and up to 3X points on travel and other common business expenses are a winning combination for LLCs hoping to rack up travel 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 Travel℠
- 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 Travel℠
- 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
Apply now
on Ramp's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp delivers unlimited cash back, customizable spending controls and easy integration with QuickBooks and other business applications. This corporate charge card doesn't require a personal guarantee but does have other financial requirements.
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A
Ramp delivers unlimited cash back, customizable spending controls and easy integration with QuickBooks and other business applications. This corporate charge card doesn't require a personal guarantee but does have other financial requirements.
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
Airport lounge access + travel credits
The Business Platinum Card® from American Express
Apply now
on American Express' website
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
The annual fee is a doozy, but the perks are next-level, too. Cardholders enjoy annual travel and software credits, elite status and lounge access, among other benefits.
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
The annual fee is a doozy, but the perks are next-level, too. Cardholders enjoy annual travel and software credits, elite status and lounge access, among other benefits.
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
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
A five-star option for LLCs, the
Ink Business Unlimited® Credit Card
earns 1.5
% on all purchases, with no caps or restrictions. You'll also get a yearlong intro APR period and can net a nice welcome bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
A five-star option for LLCs, the
Ink Business Unlimited® Credit Card
earns 1.5
% on all purchases, with no caps or restrictions. You'll also get a yearlong intro APR period and can net a nice welcome bonus: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
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 $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
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 Points
We love the simplicity — and the rewards rate. You'll earn 2 miles per $1 spent, with no limits, bonus categories or other restrictions. Plus, 5X miles on hotels and rental cars booked through Capital One Travel.
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Points
Intro offer
50,000 Points
We love the simplicity — and the rewards rate. You'll earn 2 miles per $1 spent, with no limits, bonus categories or other restrictions. Plus, 5X miles on hotels and rental cars booked through Capital One Travel.
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
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
- $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
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The long intro APR period can help newly established LLCs finance startup costs and bridge cash-flow gaps while earning up to 2% cash back on business costs.
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The long intro APR period can help newly established LLCs finance startup costs and bridge cash-flow gaps while earning up to 2% cash back on business costs.
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.
- 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 period (purchases and balance transfers)
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Apply now
on US Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
checks three big boxes for LLCs with a generous welcome offer, up to 3% cash back and a long intro APR period that applies to balance transfers as well as new purchases.Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500
The
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
checks three big boxes for LLCs with a generous welcome offer, up to 3% cash back and a long intro APR period that applies to balance transfers as well as new purchases.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
LLCs with venture backing
Brex Card
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
This card does not require a personal guarantee and you can apply with an EIN only. Plus, venture-backed LLCs can qualify with relatively low cash reserves (compared with other corporate cards). You'll also net perks like discounts on popular business tools and up to 7x rewards (terms apply).
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points
This card does not require a personal guarantee and you can apply with an EIN only. Plus, venture-backed LLCs can qualify with relatively low cash reserves (compared with other corporate cards). You'll also net perks like discounts on popular business tools and up to 7x rewards (terms apply).
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
Apply now
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Combine the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
with a Bank of America business checking account to earn up to 75% more cash back with the bank's Preferred Rewards for Business program. Terms apply.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
Combine the
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
with a Bank of America business checking account to earn up to 75% more cash back with the bank's Preferred Rewards for Business program. Terms apply.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 purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- 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
LLCs with annual spend below $50K
The Blue Business® Plus Credit Card from American Express
Apply now
on American Express' website
Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
If your LLC spends less than $50,000 annually, it's hard to top
The Blue Business® Plus Credit Card from American Express
, which earns 2 points per $1 on the first $50,000 spent each year. A long intro APR period and welcome offer only add to the no-annual-fee card's appeal.Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
If your LLC spends less than $50,000 annually, it's hard to top
The Blue Business® Plus Credit Card from American Express
, which earns 2 points per $1 on the first $50,000 spent each year. A long intro APR period and welcome offer only add to the no-annual-fee card's appeal.Pros
- No annual fee
- High rewards rate
- Intro APR period
- Transfer partners
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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
Our pick for
Welcome offer + annual travel credit
Capital One Venture X Business
Apply now
on Capital One's website
Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Yes, the annual fee is steep at
$395
but can be easily offset by the card's bonuses and perks, which include airport lounge access, a massive welcome offer and a $300 annual travel credit (terms apply).Annual fee
$395
Rewards rate
2x-10x Miles
Intro offer
150,000 Miles
Yes, the annual fee is steep at
$395
but can be easily offset by the card's bonuses and perks, which include airport lounge access, a massive welcome offer and a $300 annual travel credit (terms apply).Pros
- Lounge membership
- High rewards rate
- Welcome offer
Cons
- High annual fee
- Requires excellent credit
- Balance must be paid in full every month
- Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
- This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
- Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
- Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
- Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options
- Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
- Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
- Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry. Then enjoy unlimited complimentary access to Capital One Lounges and a network of 1,300+ lounges worldwide, including Priority Pass™ and Plaza Premium Group lounges
- This is a pay-in-full card, so your balance is due in full every month
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit and other premium benefits on every booking
View Rates & Fees
Our pick for
LLC advertising spend
American Express® Business Gold Card
Apply now
on American Express' website
Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
The
American Express® Business Gold Card
earns high marks for flexible bonus categories that let you earn up to 4X points where your business spends the most, including advertising (online, TV and radio) at U.S. media providers (terms apply).Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
The
American Express® Business Gold Card
earns high marks for flexible bonus categories that let you earn up to 4X points where your business spends the most, including advertising (online, TV and radio) at U.S. media providers (terms apply).Pros
- Bonus categories
- Transfer partners
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Spending caps on bonus rewards
- Requires good/excellent credit
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
View Rates & Fees
Before applying, confirm details on the issuer’s website.
Ink Business Unlimited® Credit Card
Best for: Overall business card for LLCs
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.U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Best for: Intro APR period (purchases and balance transfers)
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 $0
annual fee. Learn more and apply.The American Express Blue Business Cash™ Card
Best for: New LLCs
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.The Business Platinum Card® from American Express
Best for: Airport lounge access + travel credits
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.Capital One Venture X Business
Best for: Welcome offer + annual travel credit
NerdWallet star rating:
5
The
Capital One Venture X Business
offers some of the highest travel rewards rates around and a solid cash-back rate on everything else: Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
This is a charge card, so it doesn't come with a preset spending limit — but you'll have to pay it off in full every month. If you can swing that (plus the $395
annual fee), it could be a valuable addition to your wallet. (See rates and fees.) Learn more and apply.American Express® Business Gold Card
Best for: LLC advertising spend
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.Ink Business Preferred® Credit Card
Best for: Travel card for LLCs
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 100,000 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 Travel℠.
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.Capital One Spark Miles for Business
Best for: Flat-rate travel rewards
NerdWallet star rating:
4.8
The
Capital One Spark Miles for Business
earns 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. (See rates and fees.) Learn more and apply.Bank of America® Business Advantage Unlimited Cash Rewards Mastercard®
Best for: Cash back boost (up to 75%)
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.The Blue Business® Plus Credit Card from American Express
Best for: LLCs with annual spend below $50K
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.Ramp Card
Best for: Corporate card (no personal guarantee)
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.Brex Card
Best for: LLCs with venture backing
NerdWallet star rating: 3.1
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.
» 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.To view rates and fees of the
American Express® Business Gold Card
, see this page.Last updated on April 12, 2024
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.
