Personal and small-business cards issued by Bank of America are currently not available on CNBC Select and links have been redirected to our credit card marketplace.
Having a business credit card is important for separating your personal and business expenses. This is especially true for businesses with a more formal structure, such as a limited liability company (LLC).
Business credit cards can help you automate expense management for multiple owners and employees. Plus, the right rewards structure can help you maximize the return you get on business-related spending.
CNBC Select reviewed dozens of the most popular business credit cards to determine the best options for LLCs. See our methodology for information on how we choose the top LLC business credit cards.
Best business credit cards for LLCs
- Best for welcome bonus: Ink Business Unlimited® Credit Card (see rates and fees)
- Best for no annual fee: The Blue Business® Plus Credit Card from American Express (see rates and fees)
- Best for travel rewards: Ink Business Preferred® Credit Card (See rates and fees)
- Best for 0% intro APR: U.S. Bank Triple Cash Rewards Visa® Business Card
- Best for cash back: Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
Best for welcome bonus
Who's this for? The Ink Business Unlimited® Credit Card has one of the most valuable welcome bonuses you'll find attached to a no-annual-fee business card. Earn $750 bonus cash back after you spend $6,000 on purchases in the first three months from account opening.
Standout benefits for LLCs: The Ink Business Unlimited Credit Card earns an unlimited 1.5% cash back on all purchases, which is 50% more than what most cash back business cards earn on non-bonus category spending.
The Ink Business Unlimited® Credit Card is a flat-rate cash-back card with a strong intro-APR offer for purchases.
- Intro APR for purchases
- Valuable welcome bonus
- No annual fee
- You can't transfer rewards to travel partners without pairing it with another Chase card
- Has a foreign transaction fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction in U.S. dollars
Best for no annual fee
Who's this for? The Amex Blue Business Plus is ideal for business owners who don't want to pay an annual fee. The card also earns a flat 2X Membership Rewards® points on up to $50,000 in eligible purchases each calendar year, then 1X points. Terms and limitations apply.
Standout benefits for LLCs: The Blue Business Plus is a rare business card that earns transferable American Express Membership Rewards® points without charging an annual fee (see rates and fees).
The Blue Business® Plus Credit Card from American Express is a great option if you're starting a business because it's affordable, earns flexible travel rewards and offers an intro-APR on purchases for a year.
- Valuable intro-APR offer for purchases for 12 months
- Earns flexible rewards you can transfer to 20+ airline and hotel loyalty programs
- No annual fee
- Bonus rewards for purchases are capped
- Few useful travel insurance benefits
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- 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, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
- See Rates & Fees
Balance transfer fee
N/A
Foreign transaction fee
2.7% of each transaction after conversion to US dollars.
Best for travel rewards
Who's this for? The Ink Business Preferred isn't just one of the best travel credit cards for businesses; it also offers an exceptionally valuable welcome bonus and generous bonus categories geared toward business expenses and travel: 3X points on the first $150,000 spent on travel and select business categories each account anniversary year (then 1X points).
Standout benefits for LLCs: If you travel a lot for business, the Ink Business Preferred can help you reduce those expenses. The Chase Ultimate Rewards® points you earn can be transferred to one of 13 airline and hotel partners for even greater value, and you can even earn 5X total points on Lyft rides through Sept. 30, 2027.
The Ink Business Preferred® Credit Card is an excellent business card with useful benefits, valuable rewards and a generous welcome bonus.
- Earns flexible travel rewards you can transfer to airline and hotel loyalty programs such as World of Hyatt, Southwest Rapid Rewards and many more
- Valuable welcome bonus worth $1,125 in travel when redeemed through Chase Travel
- Strong travel and shopping protections
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- 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
- Earn 5x total points on Lyft rides through 9/30/27.
- 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
- Go further when you book with Chase TravelSM. Enjoy competitive rates, seamless booking and premium benefits.
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Receive complimentary access to DashPass by DoorDash.
- Member FDIC
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater
Best for 0% intro APR
Who's this for? The U.S. Bank Triple Cash Rewards Visa® Business Card is ideal for businesses that might need more time to pay off their balances. It offers a solid combination of perks, including no annual fee, cash back rewards, a welcome bonus and an intro APR offer.
Standout benefits for LLCs: New U.S. Bank Triple Cash Rewards Visa Business cardmembers receive a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, then a variable APR of 17.24% - 26.24% applies.
The U.S. Bank Triple Cash Rewards Visa® Business Card is a no-annual-fee business card that earns cash back rewards on a variety of business and everyday categories.
- Annual $100 software statement credit
- Valuable welcome bonus
- Has a foreign transaction fee
- Not very rewarding for purchases you make outside of the bonus categories
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Balance transfer fee
Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
Best for cash back
Who's this for? The Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Credit Card is a straightforward cash back business card that earns 1.5% back on all purchases for no annual fee.
Standout benefits for LLCs: Bank of America business customers can earn a rewards boost through the Preferred Rewards for Business program. Depending on which Preferred Rewards tier you qualify for, you'll receive a 25%, 50% or 75% boost to the cash back you earn — that's up to 2.625% back on all purchases. Your tier status is based on your combined daily balances with your Bank of America business deposit accounts and Merrill business investment accounts.
- Solid flat-rate return on all purchases
- Especially rewarding if you qualify for Bank of America Preferred Rewards for Business
- Intro APR doesn't apply to balance transfers
- Foreign transaction fee
Information about Bank of America cards has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.
Why should I get a business card for my LLC?
While many businesses are started with personal credit cards, you'll eventually want a card catered to your company's needs.
- Increased spending power: Business cards are designed to cover a company's spending needs and offer significantly higher credit limits.
- Separate personal and business spending: Keeping your business and personal expenses separate is essential for tax purpsoses, but can .
- Better reward categories: Many business cards offer rewards in spending categories like office supplies and shipping. You can also find flat-rate rewards cards that earn across all your business's spending.
What is the difference between a business credit card and a corporate credit card?
There are slight differences between a business credit card vs. a corporate credit card. While both are designed to help companies scale, corporate cards are typically reserved for large businesses — S-Corps, C-Corps and sometimes LLCs — and are often issued based on the company's financials rather than the owner's personal credit.
Business cards typically feature more flexible approval requirements compared to corporate credit cards, as they're often underwritten using the owner's personal credit. In general, business credit cards are a better fit for smaller companies looking for more credit than a personal card offers.
While LLCs can qualify for either option, a business card is easier to get approved for than a corporate card.
What type of credit card is right for my LLC?
The best business credit card for your LLC will vary greatly depending on your company's strengths and needs. While there are many overall factors that go into choosing the right business credit card, here are a few to keep top of mind:
- Annual business spending: Consider your annual spending and the credit limit you'll need. These factors will impact the type of card you apply for as well as your ideal rewards structure.
- Rewards categories: It also matters where you do most of your spending. If your business spending fits within one or two categories, look for a card that earns rewards in those. If your spending is more spread out, a flat-rate rewards card could be a better choice.
- Types of credit card rewards: Like personal cards, business cards offer various types of rewards, from points, miles to standard cash back. It's important that you determine which option provides your business with the most upside.
- Employee cards: If you intend to provide any of your employees with employee cards, take note of each card's employee card benefits (if any). Some business cards allow for unlimited employee cards, while others charge for each additional one.
FAQs
Should I get a business credit card for my LLC?
There are several advantages to opening a business credit card for your LLC. Foremost is the convenience of tracking your business spending. A business card can also help you earn rewards or ongoing benefits to offset certain business expenses.
What is the easiest business credit card to get?
The easiest business credit cards to get tend to be secured credit cards that require a security deposit to open. If you want to establish your business credit and you're not able to qualify for other business cards, consider a secured business credit card.
Can I use my EIN to get a credit card?
You can open a business credit card with your Employer Identification Number (EIN). However, small business credit cards often require a personal guarantee, and you typically need to include your Social Security number when you apply.
Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every business credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best business credit cards for LLCs.
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Our methodology
To determine which business cards offer the best value for LLCs, CNBC Select analyzed the most popular credit cards available to U.S. business owners.
We compared each card on a range of features, including the annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.
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For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.
