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5 Best LLC Business Credit Cards of June 2022

The right business credit card for your LLC can build your business credit and reward your spend.
Written by Katherine Fan
Edited by Mary M. Flory
Last updated on May 20, 2022

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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

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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

Ink Business Preferred® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$95

Rewards rate

1x-3x

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 - with no limit to the amount you can earn

Points

Intro offer

100,000

Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®

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

5.0
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$0

Rewards rate

1%-2%

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. Terms Apply.

Cashback

Intro offer

$250

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.

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

Brex Card

3.3
NerdWallet rating 
Read Review
Apply now

on Brex's website

Annual fee

$0

Rewards rate

1x-7x

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.

Points

Intro offer

40,000

Get 10,000 points when you spend your first $1,000 on your Brex card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Brex account.

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

5.0
NerdWallet rating 
Read Review
Apply now

on American Express's website

Annual fee

$695

Rewards rate

1x-5x

Earn 1.5X points on eligible purchases 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. Earn 1X points for each dollar you spend on eligible purchases. Terms Apply.

Points

Intro offer

120,000

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership. Terms Apply.

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

Ink Business Unlimited® Credit Card

5.0
NerdWallet rating 
Read Review
Apply now

on Chase's website

Annual fee

$0

Rewards rate

1.5%

Earn unlimited 1.5% cash back on every purchase made for your business

Cashback

Intro offer

$750

Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening.

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

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.