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The best LLC credit cards provide access to credit limits that can cover your working capital needs while letting you earn rewards based on your spending habits. Business credit cards for LLCs can help build business credit so that you can qualify for other business financing options. We selected cards that come with reasonable costs, generous rewards, and other perks that are valuable to your business.
Here are the eight best LLC credit cards:
- The American Express Blue Business Cash™ Card: Overall best business LLC credit card for flexibility and automatic cash back
- Coast Fuel Card: Best for LLCs with fleets and substantial fuel expenses
- The Blue Business® Plus Credit Card from American Express: Best for flexible credit limits with points rewards
- Capital One Spark Cash Plus: Best for generous cash back
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back and ExtendPay® Plan
- Ink Business Cash® Credit Card: Best for LLCs with significant expenses on office supplies
- Ink Business Preferred® Credit Card: Best for earning premium rewards on travel, shipping, and online advertising
- Ramp Credit Card: Best for no personal guarantee and up to 20x higher credit limits
Overview of the Best Business Credit Cards for LLCs 2025
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
|---|---|---|---|---|---|
 The American Express Blue Business Cash™ Card | Overall best LLC credit card for flexibility and automatic cash back | $0 | $250 statement credit | Up to 2% cash back | |
 Coast Fuel Card | LLCs with fleets and substantial fuel expenses | $0—only $4 per active card, per month | None | Up to 10 cents off per gallon everywhere Visa is accepted | |
 The Blue Business® Plus Credit Card from American Express | Flexible credit limits with points rewards | $0 | 15,000 Membership Rewards® Points | Up to 2× points | |
 card_name | Generous cash back | annual_fees | $2,000 Cash Back | Up to 5% cash back | |
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Earning up to 5% cash back and ExtendPay® Plan | $0 | $750 in cash back | Up to 5% cash back | |
 Ink Business Cash® Credit Card | LLCs with significant expenses on office supplies | $0 | Up to $750 bonus cash back | Up to 5% cash back | |
 Ink Business Preferred® Credit Card | Earning premium rewards on travel, shipping, and online advertising | $95 | 90,000 bonus points | Up to 5× points | |
 Ramp Credit Card | No personal guarantee and up to 20x higher credit limits | $0 | None | 1.5% cash back |
If you want to see how a credit card stacks up against others, click Add to Compare on the cards below. Note that you can compare up to three credit cards on this page or a card here against others on our site.
The American Express Blue Business Cash™ Card: Overall Best LLC Credit Card for Flexibility & Automatic Cash Back
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond 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
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 25.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond 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
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
The American Express Blue Business Cash™ Card is our overall best business credit card for LLCs because of its Expanded Buying Feature that lets you spend over your credit limit when needed. The amount you can spend depends on your credit needs, payment history, credit score, and other financial considerations. It has $0 annual fees and lets you earn automatic cash back as a statement credit without the need for redemption.
- 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met
- $250 statement credit after spending $3,000 in purchases within the first three months of card ownership
- 0% Annual Percentage Rate (APR) on purchases for the first 12 billing cycles after opening an account
- No personal credit score impact when checking if you’re approved
Coast Fuel Card: Best for LLCs With Fleets and Substantial Fuel Expenses
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Why We Like It
Coast Fuel Card is a charge card that’s designed for companies with small to large fleets, as well as small businesses that have frequent gas expenses. You can save up to 10 cents per gallon at over 30,000 gas stations nationwide, and you can also earn a fixed-rate cash back on purchases other than gas. Plus, it features a platform with customizable controls for seamless expense management. Since this is a charge card, your balance is due in full each month.
- 4 to 10 cents per gallon at more than 30,000 gas stations nationwide
- 1% cash back on purchases at merchants other than gas stations
- $0 annual fees—only pay $4 per active card per month
- Real-time visibility into your expenses
- Seamless integrations with business tools, including telematics, fleet management, and accounting
The Blue Business® Plus Credit Card from American Express: Best for Flexible Credit Limits with Points Rewards
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% - 25.49%, 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 beyond 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.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.49% - 25.49%, 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 beyond 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.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Why We Like It
The Blue Business® Plus Credit Card from American Express also features Expanded Buying Power, offering flexible credit limits based on your credit use, payment behavior, credit history, and other financial factors. It has $0 annual fees and offers points rewards that can be redeemed in several ways, including statement credits, travel, gift cards, and to pay for purchases at selected merchants.
- 2× points per dollar on the first $50,000 in purchases each year, then 1× point per dollar thereafter
- 15,000 Membership Rewards® points after you spend $3,000 in your first three months of card ownership
- 0% APR on purchases for 12 months from the date of account opening
Capital One Spark Cash Plus: Best for Generous Cash Back
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BEST FOR:
Businesses that want simple yet generous cash back
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why We Like It
Capital One Spark Cash Plus comes with a simple yet generous rewards structure and a lucrative welcome offer. It is ideal for those who have substantial business expenses and need flexible credit limits because it comes with no preset spending limit—your purchasing power that adapts to your business’s behavior, payment history, credit profile, and other financial factors. Keep in mind that your balance is due in full each month. Also, balance transfers are not available on this credit card.
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on all business-related purchases without limits or category restrictions
- Lucrative welcome offer—receive $2,000 Cash Back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- Annual fee refund—spend $150,000 annually and Capital One will refund the $150 annual fee every year.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back & ExtendPay® Plan
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations 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 net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- 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.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
With U.S. Bank Business Triple Cash Rewards World Elite Mastercard®, you can earn up to 5% cash back on your purchases while paying $0 annual fees and enjoying other cost-saving perks. It comes with 0% purchase APR for the first 12 billing cycles. Plus, it features ExtendPay® Plan, which lets you divide your eligible balance into equal monthly payments without interest, just a small monthly fee Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening .
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations for transactions of $200 or less, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
- $750 in cash back after spending at least $6,000 in eligible net purchases within the first 180 days of account opening
- $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
Ink Business Cash® Credit Card: Best for LLCs With Significant Expenses on Office Supplies
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 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 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 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 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Why We Like It
If you have significant expenses on office supplies, you can earn premium rewards from the Ink Business Cash® Credit Card while paying $0 annual fees. It offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year, making it ideal for office-based LLCs. On top of that, you’ll receive up to $750 cash back as a welcome offer when you meet the spending requirements.
- 5% cash back on Lyft rides until March 2025
- 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable, and phone services each anniversary year
- 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each anniversary year
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- 0% APR on purchases for the first 12 months of account opening
- Up to 100,000 points per year—receive 20,000 bonus points for each business that gets approved for any Chase Ink® Credit Card
Ink Business Preferred® Credit Card: Best for Earning Premium Rewards on Travel, Shipping & Online Advertising
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BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
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- Earn 100k bonus points after you spend $8,000 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®
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
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Regular APR
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Annual Fee
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Credit Needed
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- Earn 100k bonus points after you spend $8,000 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®
- 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
- 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.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why We Like It
Ink Business Preferred® Credit Card is a great option if you travel frequently for business. It lets you earn premium rewards on travel, shipping, and online advertising. Plus, your rewards are worth 25% more when you redeem them for travel through Chase TravelSM. Also, you can transfer your points at 1:1 value to any of Chase’s airline and hotel partners. What’s more, it comes with a low annual fee of $95 and a high welcome offer.
- 5× points on Lyft rides until March 2025
- 3× points per dollar spent on the first $150,000 spent in combined purchases for each account anniversary on the following categories:
- Travel
- Shipping
- Advertising on search engines and social media sites
- Internet, cable, and phone services
- 1× point per dollar spent on all other purchases
- 90,000 bonus points after you spend $8,000 in the first three months after opening an account
- Flexible redemption options—you can redeem your rewards for cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards. Plus, your points don’t expire as long as your account is open
- Up to 100,000 points per year—you’ll earn an additional 20,000 bonus points for each business that gets approved for any Chase Ink® Credit Card
Ramp Credit Card: Best for No Personal Guarantee & Up to 20x Higher Credit Limits
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why We Like It
For LLC owners who don’t want to be personally liable for their company’s obligations, Ramp Credit Card is a great option. It does not require a personal guarantee, and it offers a high credit limit (up to 20x higher compared to most traditional business credit cards). Note that you need to have at least a $25,000 cash deposit in an account that will be connected to your Ramp application as part of the qualification process.
- 1.5% cash back on purchases, regardless of spending categories
- Unlimited virtual and physical cards at no additional cost to support teams of any size
- Robust financial management system that lets you manage your expenses and control spending
How We Selected the Best LLC Credit Cards
To determine the best LLC credit cards, we took into consideration the various features important to LLC owners. We looked at fees, interest rates, introductory rates, bonuses, and ongoing rewards. All of these benefits can help you save money in the long run. We also considered the expense management system included with the card and the ability to build credit.
Frequently Asked Questions (FAQs)
Having a dedicated business credit card is crucial because it helps keep your business and personal finances separate. It makes your business accounting more organized so that it’s easier to file for deductions during tax season. Moreover, it can help you build business credit, which allows you to access other business financing options with more favorable terms.
The application process and qualification requirements for LLC credit cards vary from one credit card issuer to another. Before you apply for a business credit card, check the requirements and whether there’s an option to apply online. Typically, you’ll need to prepare the following:
- Company name
- Employer identification number (EIN)
- Company address
- Type of business
- Annual revenue
- Number of employees
- Credit check authorization
To make the most out of your LLC credit card, be sure to:
- Choose a card that lets you earn rewards on where your company spends the most.
- Take advantage of the 0% introductory APR period and ensure to pay off the balance before the regular APR kicks in.
- Avoid using the business credit card for personal expenses to avoid accounting issues and trouble with the IRS.
- Know the features and additional perks your card offers and use them to your business’s advantage.
- Issue cards to your employees as necessary while having a company credit card policy in place. Most credit card companies let you add employee cards at no additional cost.
Here are the advantages and disadvantages of LLCs getting a business credit card:
| Advantages | Disadvantages |
|---|---|
| Can help build business credit | Can easily accumulate debts if not used responsibly |
| Lets you earn rewards from your business expenses | Adds to your LLC’s overall costs |
| Gives you access to valuable features that can be beneficial for your business | Opens companies to the possibility of employees misusing the card |
For more information on employee cards, read our guides on how employee credit cards work and how to create a corporate credit card policy.
Bottom Line
The best business credit cards for LLCs can help you cover expenses, save on costs, and reach your business goals. Determine your spending habits and decide if you need a card with interest-free financing, $0 annual fees, welcome offers, and premium rewards. LLC credit cards that come with low fees and low ongoing APRs can help you save money in the long run, so it’s best to understand your needs and options before settling for one.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
