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.
Best LLC business cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- American Express® Business Gold Card: Best for LLC advertising spend.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75%).
- Brex Card: Best for LLCs with venture backing.
- Capital One Spark Cash: Best for unlimited 2% cash back + no foreign transaction fees.
- Capital One Spark Cash Plus: Best for LLCs with big budgets (no preset spending limit).
- Capital One Spark Miles for Business: Best for flat-rate travel rewards.
- Capital One Venture X Business: Best for welcome offer + annual travel credit.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Unlimited® Credit Card: Best overall business card for LLCs.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for new LLCs.
- The Blue Business® Plus Credit Card from American Express: Best for LLCs wth annual spend below $50K.
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 0% APR intro period for LLCs.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back + no annual fee.
While all of our picks for LLC business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
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.
Best LLC business cards
- Amazon Business Prime American Express Card: Best for 5% cash back on Amazon brands.
- American Express® Business Gold Card: Best for LLC advertising spend.
- Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card: Best for cash back boost (up to 75%).
- Brex Card: Best for LLCs with venture backing.
- Capital One Spark Cash: Best for unlimited 2% cash back + no foreign transaction fees.
- Capital One Spark Cash Plus: Best for LLCs with big budgets (no preset spending limit).
- Capital One Spark Miles for Business: Best for flat-rate travel rewards.
- Capital One Venture X Business: Best for welcome offer + annual travel credit.
- Ink Business Preferred® Credit Card: Best for big sign-up offer.
- Ink Business Unlimited® Credit Card: Best overall business card for LLCs.
- Ramp Card: Best for corporate card (no personal guarantee).
- The American Express Blue Business Cash™ Card: Best for new LLCs.
- The Blue Business® Plus Credit Card from American Express: Best for LLCs wth annual spend below $50K.
- The Business Platinum Card® from American Express: Best for airport lounge access + travel credits.
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for 0% APR intro period for LLCs.
- Wells Fargo Signify Business Cash℠ Card: Best for unlimited 2% cash back + no annual fee.
While all of our picks for LLC business cards are chosen by our editorial team without outside input, the cards highlighted below are those available from our partners. You can jump to our "other picks" section for additional options not currently available through NerdWallet.
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
Objective comprehensive business credit card ratings rubric (Methodology).
NerdWallet's business credit card content, including our ratings, reviews and recommendations, is overseen by a team of writers and editors who specialize in business credit cards. Their work has appeared in The Associated Press, Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict editorial guidelines to ensure fairness and accuracy in our coverage. We independently evaluate and rate dozens of small-business credit cards, scoring them on fees, rewards rates, bonus offers and other features to help you choose the best business card for your company.
Here are the best business credit cards for LLCs
Here are the best business credit cards for LLCs
Sort By
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$750
Apply now
on Chase's website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
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
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5%
Cashback
Intro offer
$2,000
Apply now
on Capital One's website
Rates & Fees
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
Capital One Spark Cash
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
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
Capital One Spark Cash
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
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
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x
Points
Intro offer
15,000
Points
Apply now
on American Express' website
Rates & Fees
Pros
- High rewards rate
- Intro APR period
- New cardholder bonus offer
Cons
- Spending caps on bonus rewards
- Low rate after you hit bonus cap
Ink Business Preferred® Credit Card
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
Ink Business Preferred® Credit Card
Annual fee
$95
Rewards rate
1x-3x
Points
Intro offer
90,000
Points
Apply now
on Chase's website
Rates & Fees
Pros
- New cardholder bonus offer
- High reward redemption rate
- Transfer partners
Cons
- Does not include lounge access or travel credits
American Express® Business Gold Card
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
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
American Express® Business Gold Card
Annual fee
$375
Rewards rate
1x-4x
Points
Intro offer
100,000
Points
Apply now
on American Express' website
Rates & Fees
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
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
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
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$300
Apply now
on Bank of America's website
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
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
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
The Business Platinum Card® from American Express
Annual fee
$695
Rewards rate
1x-5x
Points
Intro offer
150,000
Points
Apply now
on American Express' website
Rates & Fees
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
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2%
Cashback
Intro offer
$250
Apply now
on American Express' website
Rates & Fees
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
Capital One Spark Miles for Business
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
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
Capital One Spark Miles for Business
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
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
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
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
Ramp Card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
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
Ramp Card
Annual fee
$0
Rewards rate
1%-1.5%
Cashback
Intro offer
$250
⏱️ New bonus offer
Apply now
on Ramp's website
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
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
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Rewards rate
1%-3%
Cashback
Intro offer
$750
Apply now
on U.S. Bank's website
Rates & Fees
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
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
Apply now
on Capital One's website
Rates & Fees
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
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x
Miles
Intro offer
150,000
Miles
Apply now
on Capital One's website
Rates & Fees
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
Amazon Business Prime American Express Card
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
Amazon Business Prime American Express Card
Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Apply now
on American Express' website
Rates & Fees
Pros
- No annual fee
- No foreign transaction fees
- High reward rate in bonus categories
Cons
- Spending caps on bonus rewards
- Prime membership required
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. - Welcome offer:Earn a $500 cash rewards bonus when you spend $5,000 in purchases in the first 3 months.
- Rewards: Unlimited2%cash back on purchases.
- Annual fee: $0.
- Intro APR period: 0% intro APR for 12 months from account opening on purchases, then17.49%-25.49% Variable APR.
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.
» MORE: How to open an LLC bank account
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.
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.
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.
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.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 3, 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.
