The best business credit card for your LLC will reward your spending habits. If you travel often, a card that offers travel rewards can quickly fund your next big trip. A high-earning cash-back card could be your best choice if you want to keep expenses low. And, if you want to finance major business expenses on your credit card, choose a product that offers a low interest rate or a 0% introductory APR period.
A credit card for your LLC can increase your business credit score. If you have an LLC, or limited liability company, apply for a business credit card using your employer identification number, or EIN. Responsibly using a business card linked to your EIN can help build your company’s business credit.
Some of our selections for the best LCC business credit cards 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 5 options for you from our partners
Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Flexible travel rewards and big sign-up bonus | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
American Express Blue Business Cash™ Card Apply now on American Express's website | 5.0/5 Best for Intro APR + AmEx points | $0 | 1%-2% Cashback | $250 | Apply now on American Express's website Rates & Fees |
Brex Card Apply now on Brex's website | 3.3/5 Best for No personal guarantee | $0 | 1x-7x Points | 40,000 Points | Apply now on Brex's website |
The Business Platinum Card® from American Express Apply now on American Express's website | 5.0/5 Best for Travel rewards — premium rewards and perks | $695 | 1x-5x Points | 120,000 Points | Apply now on American Express's website Rates & Fees |
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Flat-rate cash back on all purchases | $0 | 1.5% Cashback | $750 | Apply now on Chase's website |
Our pick for
Flexible travel rewards and big sign-up bonus
Read Review
Apply now
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
100,000 Points
Recommended Credit Score
690-850good - excellent
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Our pick for
Intro APR + AmEx points
Read Review
Apply now
on American Express's website
American Express Blue Business Cash™ Card
Read Review
Apply now
on American Express's website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Recommended Credit Score
690-850good - excellent
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Our pick for
No personal guarantee
Read Review
Apply now
on Brex's website
Annual fee
$0
Rewards rate
1x-7x Points
Intro offer
40,000 Points
Recommended Credit Score
300850poor - excellent
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
- No Intro APR
- No revolving balances
Our pick for
Travel rewards — premium rewards and perks
Read Review
Apply now
on American Express's website
The Business Platinum Card® from American Express
Read Review
Apply now
on American Express's website
Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
Recommended Credit Score
690-850good - excellent
Pros
- Lounge membership
- Transfer partners
- Bonus categories
- Automatic elite status
- Premium travel protections
Cons
- High annual fee
- Complicated rewards
- Requires good/excellent credit
Our pick for
Flat-rate cash back on all purchases
Read Review
Apply now
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$750
Recommended Credit Score
690-850good - excellent
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
FULL LIST OF EDITORIAL PICKS: BEST LLC BUSINESS CREDIT CARDS
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
Our pick for: Flexible travel rewards and big sign-up bonus
The
Ink Business Preferred® Credit Card
starts you off with one of the biggest sign-up bonuses of any credit card anywhere (assuming you spend enough to earn it), then gives you bonus rewards in common business spending categories. Points are worth 25% more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Read our review.Our pick for: Intro APR + AmEx points
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. Read our review.Our pick for: No personal guarantee
Unlike most cards designed for entrepreneurs, the
Brex Card
doesn't require the cardholder to personally guarantee the debt on the card. Instead, Brex determines creditworthiness by evaluating a company's cash balance, spending patterns and investors. It's a good option when a business owner has a thin credit file but is well capitalized. The card earns rewards, too. Read our review.Our pick for: Travel rewards — premium rewards and perks
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. Read our review.Our pick for: Flat-rate cash back on all purchases
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. Read our review. What to look for in a business credit card for your LLC
An incorporated company’s financial needs, priorities and considerations can vary significantly from that of a sole proprietorship. The following business credit card attributes can be particularly beneficial for LLC business owners.
High credit limit
A high-limit business card can boost your business credit score by increasing your credit limit overall, which lowers your credit utilization, even when you spend the same amount you previously did. The high credit limit also allows you to make large business purchases as needed without having to split the transaction between different payment methods.
Balance transfer and 0% intro APR period
Some credit cards offer a no-interest introductory period that can serve as a creative alternative to a business loan. If you have a large purchase coming up, you can buy it with your credit card and pay off the cost over the course of the no-interest period. Or, if you already have an outstanding balance that accumulates high interest, you can transfer that debt to a balance-transfer credit card that offers a 0% intro APR.
Last updated on May 20, 2022
To recap our selections...
5 Best LLC Business Credit Cards of June 2022
- Ink Business Preferred® Credit Card: Best for Flexible travel rewards and big sign-up bonus
- American Express Blue Business Cash™ Card: Best for Intro APR + AmEx points
- Brex Card: Best for No personal guarantee
- The Business Platinum Card® from American Express: Best for Travel rewards — premium rewards and perks
- Ink Business Unlimited® Credit Card: Best for Flat-rate cash back on all purchases
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.