The best LLC credit cards come with strong rewards, introductory annual percentage rates (APRs), and reasonable fees. To find the right business credit card for your limited liability company (LLC), consider the benefits and features your business needs, including the ability to earn rewards that match your spending, save on credit costs, and build business credit.
Check our nine top-recommended LLC credit cards:
- American Express Blue Business Cash™: Overall best business credit card for LLCs with everyday expenses and expanded buying power
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back and 0% APR period on purchases
- Bank of America® Business Advantage Customized Cash Rewards: Best for earning rewards in your chosen category and cash back bonus
- Coast Fuel Card: Best for LLCs with fleets and no personal guarantee
- Chase Ink Business Cash®: Best for LLCs with significant expenses on office supplies
- Brex Card: Best for no personal credit check and flexible payment options
- Chase Ink Business Preferred®: Best for earning premium rewards on travel, shipping, and online advertising
- American Express Business Platinum Card®: Best for luxury international travel
- Capital One Venture X Business: Best for LLC owners who travel frequently
Overview of the Best Business Credit Cards for LLCs
Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
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American Express Blue Business Cash™ | (Overall best) everyday expenses & expanded buying power | $0 | Up to 2% cash back | ||
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Earning up to 5% cash back and 0% APR on purchases | $0 | Up to 5% cash back | ||
Bank of America® Business Advantage Customized Cash Rewards | Earning rewards in your chosen category and cash back bonus | $0 | Up to 3% cash back | ||
Coast Fuel Card | LLCs with fleets and no personal guarantee | No annual fee—only $4 per active card, per month | None | Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else | |
Chase Ink Business Cash® | LLCs with significant expenses on office supplies | $0 | Up to 5% cash back | ||
Brex Card | No personal credit check and flexible payment options | $0 | None | Up to 8x points | |
Chase Ink Business Preferred® | Earning premium rewards on travel, shipping, and online advertising | $95 | Up to 5x points | ||
American Express Business Platinum Card | Luxury international travel | $695 | Up to 5x points | ||
Capital One Venture X Business | LLC owners who travel frequently | $395 | Up to 10x miles |
American Express Blue Business CashTM: Overall Best Business Credit Card for LLCs With Everyday Purchases & Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 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.
Who Should Consider the American Express Blue Business CashTM
Consider our overall best business credit card for LLCs as it offers features, such as fixed-rate cash back rewards, a 0% introductory period on purchases, and expanded buying power, which lets you spend beyond your credit limit after meeting certain criteria. Aside from being our top pick for LLCs, this card also leads our roundups of the best small business credit cards and leading business cards for startups.
Rewards:
- 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met
Other benefits:
- Earn a $250 statement credit after spending $3,000 in purchases within the first three months of card ownership
- Extend the original manufacturer’s warranty up to an additional year—applicable to warranties with five years or less
- Issue employee cards at no additional cost
Take note of the following considerations:
- It does not offer a 0% introductory period on balance transfers.
- Its premium cash back is capped at $50,000.
- It charges foreign transaction fees.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back & Long 0% APR Period
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back with long 0% APR period
- 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, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- 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, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Pros
- 0% APR applies to both purchases
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Who Should Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
If you are looking for a card with a long 0% introductory period on purchases, then this card is excellent for your LLC. On top of the long intro period, it lets you earn premium cash back rewards on selected spending categories and charges $0 annual fees. It’s no surprise that this is also our top business card with no annual fee.
Rewards:
- 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, office supply stores, cellphone service providers, and restaurants
- 1% cash back on all other eligible purchases
Other benefits:
- Secure $750 in cash back after spending at least $6,000 in eligible net purchases within the first 180 days of account opening
- Receive a $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- Divide eligible purchases into equal monthly payments with no interest with the U.S. Bank ExtendPay® Plan
Take note of the following considerations:
- It offers low cash back rewards rates outside of the listed bonus categories.
- It charges foreign transaction fees.
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards on Your Chosen Category & Cash Back Bonus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
9 billing cycles
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Who Should Consider the Bank of America® Business Advantage Customized Cash Rewards
Being able to choose which eligible spending category you can earn premium cash back rewards is a unique feature that this card offers, which is why it landed a spot on our list of the best business credit cards for LLCs. On top of this, it offers a 0% introductory period on purchases and it charges $0 annual fees. These are why it is also one of our best business cards with no annual fee and best cash back business cards.
Rewards:
- 3% and 2% cash back on the first $50,000 in combined category/dining purchases each calendar year. Categories include:
- Gas stations and EV charging stations (default)
- Office supply stores
- Travel
- TV/telecom and wireless
- Computer services
- Business consulting services
- 1% cash back after the cap is met
Other benefits:
- Receive a $300 online statement credit after spending at least $3,000 in purchases within the first 90 days of account opening
- Earn up to 75% more cash back on all purchases through the Preferred Rewards for Business Platinum Honors tier
- Redeem your earned cash back in several ways—as a deposit to your Bank of America® checking or savings account, as a card statement credit, or as a check mailed to you
Take note of the following considerations:
- Its premium cash back is capped at $50,000.
- It charges foreign transaction fees.
- It does not offer a 0% introductory period on balance transfers.
Coast Fuel Card: Best for LLCs With Fleets and No Personal Guarantee
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 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
- Up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else
- 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
Who Should Consider the Coast Fuel Card
LLCs with fleets or significant expenses on gas would want this fuel charge card. It lets you earn up to 6 cents off per gallon at 5,000 gas stations and 2 cents off per gallon everywhere else. Its straightforward rewards and partner rebates are why it is one of our top-recommended business fuel cards and best instant approval business cards.
Partner rebates:
- 6 cents per gallon at Casey’s
- 4 cents per gallon at Cumberland Farms
- 4 cents per gallon at RaceTrac, RaceWay, and ExxonMobil
- 30% off on QuickBooks for six months
- 15% off on oil change services at Take 5 and Whip Around (for your first-year subscription)
- 10% off on maintenance and oil change at Jiffy Lube
- 2% off on roadside assistance at Honk
- Six months free on Field Complete (a field service management software)
- Savings on Discount Tire and America’s Tire
Other benefits:
- Receive real-time alerts for any suspicious transaction
- Use Coast’s easy-to-use spend management dashboard—allowing you to onboard new users and vehicles in just a few clicks and set spending limits on employee cards
Take note of the following considerations:
- It charges a fee of $4 per active card, per month.
- It requires you to pay in full each month.
- It does not support cash withdrawals.
Chase Ink Business Cash®: Best for LLCs With Significant Expenses on Office Supplies
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
- 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.
- 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.
Who Should Consider the Chase Ink Business Cash®
Office-based LLC businesses wanting to earn premium rewards on their office supplies may consider this card. It also comes with a 0% introductory period on purchases and offers multiple ways to use your earned cash back rewards. These features are partly why it is also one of our leading high-limit business cards.
Rewards:
- 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
- 1% cash back on all other purchases
Other benefits:
- Earn $750 bonus cash back after spending $6,000 on purchases within the first three months of account opening
- Receive 24/7 access to view account details and give quarterly reports of up to 24 months of statement details
- Track expenses and maintain records easily for tax reporting and other business needs
Take note of the following considerations:
- It does not have a 0% introductory period for balance transfers.
- It charges a high balance transfer fee.
- Its premium rewards are limited to office supply stores and internet, cable, and phone services.
Brex Card: Best for No Personal Credit Check and Flexible Payment Options
Brex CardBEST FOR: Those who want daily or monthly payments | |
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Who Should Consider the Brex Card
As the only corporate card included on this list, it is viable if you are looking for a card that lets you earn premium points on purchases—which can be redeemed for cash back, credits, rebates, and billboards. This card also lets you choose whether you want to pay daily or monthly. These are why it is also one of our top-recommended purchasing cards and best instant approval business cards.
Rewards:
Depending on your payment option, Brex offers the following rewards:
Paid Daily | Paid Monthly |
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Other benefits:
- Save money on discounts from software, such as Salesforce Essentials and QuickBooks Online, which can help scale your business faster
- Issue the following types of cards, depending on your business needs:
- Physical cards
- Virtual cards
- Metal cards
- Receive coverage for physical damage and theft to a rental vehicle with your card
Take note of the following considerations:
- It requires a Brex Business Account to acquire the card; read our review of Brex Business Account for information.
- Its rewards are not as inclusive compared to other cards.
- It does not allow ATM withdrawals.
Chase Ink Business Preferred®: Best for LLCs That Want to Earn Premium Rewards on Travel, Shipping & Online Advertising
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
- 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
- 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
Who Should Consider the Chase Ink Business Preferred®
If you wish to receive a high welcome offer after meeting certain spending requirements and want to earn premium rewards on travel, shipping, and online advertising, then this card is great for your LLC. It also charges $0 foreign transaction fees, reducing the costs incurred when you travel domestically or internationally. So, it’s no surprise that this is also our leading business card for travel.
Rewards:
- 5x points on Lyft rides until March 2025
- 3x points per dollar spent on the first $150,000 spent in combined purchases for each account anniversary on the following categories: travel, shipping purchases, advertising on search engines and social media sites, and internet/cable/phone services
- Unlimited 1x points per dollar spent on all other purchases
Other benefits:
- Receive 100,000 bonus points after spending $8,000 on purchases within the first three months after account opening (equivalent to $1,000 in cash back or $1,250 toward travel rewards)
- Use your earned points rewards to redeem in multiple ways:
- As a statement credit
- Gift cards
- Travel (including rental cars, hotel stays, and flights) through the Chase Ultimate Rewards
- Pay for all or a portion of your Apple purchases through Chase Ultimate Rewards
- Transfer your earned points at full 1:1 value to selected airline and hotel travel partners
Take note of the following considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee.
- It requires you to make significant purchases within a short period to qualify for the sign-up bonus.
American Express Business Platinum Card®: Best for Luxury International Travel
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Who Should Consider the American Express Business Platinum Card®
LLC business owners who travel frequently and want access to luxury travel benefits may find this card ideal. While it charges a high annual fee, it makes up for it with its lucrative welcome offer, numerous rebates, and hotel upgrade status. These are why the card is our top business card with airport lounge access and one of our best business cards for travel.
Rewards:
- 5x points on flights and prepaid hotels booked on amextravel.com
- 1.5x points on eligible purchases in key business categories and on eligible purchases of $5,000 or more
- 1x points on other eligible purchases
Other benefits:
- Earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases with the card within the first three months of card opening
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Get access to more than 1,4000 airport lounges spread across 140 countries through The Global Lounge Collection
- Receive an upgrade status with Marriott BonvoyTM and Hilton Honors, which include benefits and perks at hotels and resorts included in both Hilton Honors and Marriott Bonvoy.
Take note of the following considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges a high annual fee—the highest on our list.
- It requires you to pay your balances in full each month.
Capital One Venture X Business: Best for LLC Owners Who Travel Frequently
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
- Earn 150,000 bonus miles after spending $30,000 within the first three months of card ownership
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Pros
- With sign-up bonus
- Has premium rewards if you book your hotel stays and rental cars through Capital One Travel
- Flexible redemption options
Cons
- Requires you to pay your balances in full each month
- Charges $395 annual fee
- No preset spending limit: Able to adapt to your needs based on spending behavior, payment history, and credit profile
- Annual travel credit: Receive an annual $300 credit for bookings through Capital One Travel
- Priority Pass™: Get a complimentary membership and enjoy unlimited free visits for you and up to 2 guests
Who Should Consider the Capital One Venture X Business
LLC business owners who travel frequently and want to earn premium miles rewards on their travel expenses may want to consider this pay-in-full card. It comes with no preset spend limit that can adapt to your business needs, access to airport lounges, and premium miles rewards on hotels, rental cars, and flights booked through Capital One Travel. These are why it is also in our roundup of the best business cards with airport lounge access.
Rewards:
- 10x miles on hotels and rental cars booked through Capital One Travel
- 5x miles on flights booked through Capital One Travel
- Unlimited 2x miles on every purchase
Other benefits:
- Earn 150,000 bonus miles after spending $30,000 within the first three months from the date of account opening
- Receive $300 in annual travel credit for bookings through Capital One Travel
- Get 10,000 bonus miles every year, starting on your first anniversary
- Secure two complimentary visits to Capital One Lounges and Priority PassTM
Take note of the following considerations:
- It requires you to pay your balances in full each month.
- It charges a high annual fee.
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.
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
When choosing the best LLC credit cards, consider your business goals and which card can help you reach them. Determine your spending habits and decide if you need a card with interest-free financing offers. Also, identify whether you want to prioritize earning premium rewards or getting low fees and low APRs.