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Best Business Credit Cards for LLCs of May 2024

LLC business credit cards can build business credit, reward your spending and even offer flexible financing.
By Katherine Fan, Kelsey Sheehy
Last updated on May 10, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 8 minutes

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 newer 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. For instance, new LLCs figuring out their expenses may like
The American Express Blue Business Cash™ Card
's 2% cash back on all purchases — and not mind that reward rate's $50,000 limit. Or if you're often on the road,
Capital One Venture X Business
perks like airport lounge access could make those travels more comfortable. Several of our picks 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.
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.

Explore more business solutions for LLCs

See our top picks for LLCs in business banking, lending and insurance.

Business bank accounts for LLCs

on Nerdwallet's secure site

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 newer 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. For instance, new LLCs figuring out their expenses may like
The American Express Blue Business Cash™ Card
's 2% cash back on all purchases — and not mind that reward rate's $50,000 limit. Or if you're often on the road,
Capital One Venture X Business
perks like airport lounge access could make those travels more comfortable. Several of our picks 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.
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.

Explore more business solutions for LLCs

See our top picks for LLCs in business banking, lending and insurance.

Business bank accounts for LLCs

on Nerdwallet's secure site

Here are the best business credit cards for LLC

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Travel card for LLCs

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

3.7/5
$0

1.5%

Cashback

N/A

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

5.0/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Overall business card for LLCs

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Flat-rate travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

New LLCs

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Intro APR period (purchases and balance transfers)

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

Apply now

on US Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

LLCs with venture backing

Brex Card

Apply now

on Brex's website

3.1/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

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

4.7/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

LLC advertising spend

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5
$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

Best forNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

Travel card for LLCs

Ink Business Preferred® Credit Card

Apply now

on Chase's website

4.9/5
$95

1x-3x

Points

100,000

Points

Apply now

on Chase's website

Corporate card (no personal guarantee)

Ramp Card

Apply now

on Ramp's website

3.7/5
$0

1.5%

Cashback

N/A

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

5.0/5
$695

1x-5x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

Overall business card for LLCs

Ink Business Unlimited® Credit Card

Apply now

on Chase's website

5.0/5
$0

1.5%

Cashback

$750

Apply now

on Chase's website

Flat-rate travel rewards

Capital One Spark Miles for Business

Apply now

on Capital One's website

Rates & Fees

4.8/5
$0 intro for the first year, then $95

2x-5x

Points

50,000

Points

Apply now

on Capital One's website

Rates & Fees

New LLCs

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5
$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

Intro APR period (purchases and balance transfers)

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

Apply now

on US Bank's website

Rates & Fees

5.0/5
$0

1%-3%

Cashback

$500

Apply now

on US Bank's website

Rates & Fees

LLCs with venture backing

Brex Card

Apply now

on Brex's website

3.1/5
$0

1x-7x

Points

10,000

Points

Apply now

on Brex's website

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

4.7/5
$0

1.5%

Cashback

$300

Apply now

on Bank of America's website

LLCs with annual spend below $50K

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5
$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

Welcome offer + annual travel credit

Capital One Venture X Business

Apply now

on Capital One's website

Rates & Fees

5.0/5
$395

2x-10x

Miles

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

LLC advertising spend

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5
$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.

Fundera by NerdWallet

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.

Ink Business Preferred® Credit Card

NerdWallet rating 

4.9/5
Apply now

on Chase's website

Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points

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.

Ramp Card

NerdWallet rating 

3.7/5
Apply now

on Ramp's website

Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
N/A

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
150,000 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.

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

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

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.

Ink Business Unlimited® Credit Card

NerdWallet rating 

5.0/5
Apply now

on Chase's website

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

Our pick for

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.

Capital One Spark Miles for Business

NerdWallet rating 

4.8/5
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

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.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

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

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.

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

NerdWallet rating 

5.0/5
Apply now

on US Bank's website

Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$500

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).

Brex Card

NerdWallet rating 

3.1/5
Apply now

on Brex's website

Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
10,000 Points

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

NerdWallet rating 

4.7/5
Apply now

on Bank of America's website

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

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.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5