8 Best LLC Credit Cards for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
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 on your spending, enjoy travel perks, and build business credit.
Here are our top picks for the best business credit cards for LLCs:
- Chase Ink Business Cash®: Best overall LLC credit card
- Bank of America® Business Advantage Customized Cash Rewards Credit Card: Best for earning rewards in your chosen category
- American Express Blue Business CashTM: Best for instant approval with flexible buying power
- U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back with a 15-month 0% APR period
- American Express Business Platinum Card®: Best for luxury international travel
- Wells Fargo Business Elite Signature Card®: Best for established LLCs that need low ongoing APR
- Chase Ink Business Preferred® Credit Card: Best for earning premium rewards on travel, shipping, and online advertising
- Coast Fuel Card: Best for LLCs with fleets and no personal guarantee
Best LLC Credit Cards at a Glance
Best For | Annual Fee | Ongoing Rewards | |
|---|---|---|---|
 Chase Ink Business Cash® | Best overall LLC credit card with premium rewards on office expenses | $0 | Up to 5% cash back |
Credit Needed: Good to Excellent | |||
 Bank of America® Business Advantage Customized Cash Rewards Credit Card | Earning rewards in your chosen category | $0 | Up to 3% cash back |
Credit Needed: Excellent | |||
 American Express Blue Business CashTM | Instant approval with flexible buying power | $0 | Up to 2% cash back |
Credit Needed: Good to Excellent | |||
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | Earning up to 5% cash back with 15-month 0% APR period | $0 | Up to 5% cash back |
Credit Needed: Good to Excellent | |||
 American Express Business Platinum Card | Luxury international travel | $695 | Up to 5x points |
Credit Needed: Good to Excellent | |||
 Wells Fargo Business Elite Signature Card® | Established LLCs needing low ongoing APR | $125; waived for the first year | 1.5% cash back or 1x per dollar |
Credit Needed: Excellent | |||
 Chase Ink Business Preferred® Credit Card | Earning premium rewards on travel, shipping, and online advertising | $95 | Up to 3x points |
Credit Needed: Good to Excellent | |||
 Coast Fuel Card | LLCs with fleets and no personal guarantee | No annual fee; charges $2 per active user, per month | 2 cents off per gallon and 1% cash back on other purchases |
Credit Needed: Good to Excellent | |||
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Chase Ink Business Cash®: Best Overall LLC Credit Card With Premium Rewards on Office Expenses
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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.
- No 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 sign-up bonus
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from 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.
- No 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 sign-up bonus
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Why we like it: We’ve selected Chase Ink Business Cash® as the overall best LLC credit card for the following reasons:
- It offers rich rewards in certain spending categories that LLCs typically have substantial expenses on, including:
- 5% cash back on the first $25,000 spent on internet, phone, cable, and office supplies
- 2% cash back on the first $25,000 at gas stations and restaurants
- 1% cash back on all other business purchases
- It charges no annual fee
- You can take advantage of the 0% introductory APR for the first 12 months of card membership
- You’ll receive a $900 bonus cash back when you spend $6,000 in the first three months
Chase Ink Business Cash® also tops our list of the best business credit cards for startups because of its lucrative cash back rewards, especially for office-based businesses.
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards on Your Chosen Category
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
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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
- Doesn’t charge annual fees
- With sign-up bonus
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.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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
- Doesn’t charge annual fees
- With sign-up bonus
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.
Why we like it: The Bank of America® Business Advantage Customized Cash Rewards credit card is a suitable option for LLCs with significant expenses in specific spending categories because:
- On your first $50,000 worth of purchases, you’ll earn 3% cash back on the category of your choice (including gas stations & EV charging stations (default), office supplies, travel, TV or telecommunication services, computer services, or business consulting services) and 2% cash back on dining
- When the cap is met, you’ll earn 1% cash back on those categories and all other purchases
In addition, you’ll also get to enjoy the following benefits:
- If you have an existing Bank of America business checking account, then you can earn up to 75% more cash back when you qualify for the Preferred Rewards for Business program
- It offers a $300 statement credit when you spend at least $3,000 in net purchases within 90 days of card ownership
- On top of that, you can benefit from interest-free financing for the first nine months after opening an account.
Bank of America® Business Advantage Customized Cash Rewards is also one of our best small business credit cards because it gives users the opportunity to choose the spending categories where they can earn premium rewards.
American Express Blue Business CashTM: Best for Instant Approval With Flexible Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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% intro APR
- Welcome bonus
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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% intro APR
- Welcome bonus
- 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.
Why we like it: If you need to get approved for a credit card with unlimited cash back quickly, consider the American Express Blue Business CashTM Card, our overall best instant approval business credit card. To get approved immediately, you need a good to excellent credit score. Once approved, you can start using the card because American Express offers instant credit card numbers.
Plus, you can take advantage of the following:
- Expanded Buying Power, a feature that allows you to spend beyond your credit limit based on your financial resources, credit history, payment behavior, and card usage
- 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back thereafter
- $0 annual fee
- 0% introductory APR on purchases for the first 12 months
American Express Blue Business CashTM is also our #1 cash back business credit card because of its straightforward rewards program and expanded buying power.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back With 15-month 0% APR Period
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No 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.
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No 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.
Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® offers 0% APR for the first 15 billing cycles, which is beneficial if you plan to make a large purchase or transfer a balance from another credit card. It is for this reason that it made our roundups of the top business credit cards with 0% APR and leading credit cards for balance transfers.
It has no annual fee, and you’ll also benefit from premium rewards, including:
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at eligible gas stations, mobile phone service providers, and office supply stores
- 1% cash back on all other business purchases
- $500 cash back after spending just $4,500 in the first 150 days
- $100 annual statement credit for recurring software subscription expenses, such as for FreshBooks and QuickBooks
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is our best business credit card with no annual fee because of its generous rewards and long interest-free financing period.
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
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your 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 your 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 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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.
Intro APR
N/A
Regular APR
19.49% - 27.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your 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 your 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 1,300 airport lounges worldwide
- No foreign transaction fees
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 1,300 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.
Why we like it: If you need to travel abroad frequently and want luxury travel perks, the American Express Business Platinum Card® may be a good fit. While it charges a high annual fee of $695, you can take advantage of premium travel perks, including:
- Free access to more than 1,400 airport lounges worldwide, making it our top business card with airport lounge access and one of our best business cards for travel
- Annual statement credits when you pay for CLEAR®, Global Entry, or TSA PreCheck
- $200 airline fee credit per calendar year for baggage fees and other eligible incidental expenses with a qualifying airline you choose
- No foreign transaction fees on international purchases
- More than $1,000 statement credit for qualifying subscriptions at Dell, Indeed, Adobe, and wireless telephone services
- 35% points back, up to 1 million points per calendar year, when redeemed for flights through Amex Travel
- Automatic upgrade to Marriott BonvoyTM Gold Elite Status and Hilton Honors Gold Status
- Coverage for trip delay insurance and trip cancellation and interruption insurance
On top of that, you’ll also earn generous rewards:
- 5x points on flights and prepaid hotels booked directly through AmexTravel.com
- 1.5x points for eligible purchases in key business categories, including construction supplies, electronics, and software
- 1.5x points on every purchase of $5,000 or more on up to $2 million per calendar year
- 1x points on all other purchases
- 120,000 bonus points after spending $15,000 within the first three months after opening an account
Keep in mind that this is a charge card, so it requires you to pay your balance in full every month. However, it offers a Pay Over Time feature to eligible account holders.
Wells Fargo Business Elite Signature Card®: Best for Established LLCs That Need Low Ongoing APR
Wells Fargo Business Elite SignatureCard®
BEST FOR:
Businesses with over $1 million in annual sales
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing annual percentage rate (APR)
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Intro APR
N/A
Regular APR
Prime + 3.99% on purchases
Annual Fee
$125 annual fee, waived the first year
Credit Needed
Excellent
- Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date; $75 annual rewards program fee waived for the first year
- Earn 1.5% cash back on every $1 spent
- Earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
- No foreign transaction fee
- Up to 200 employee cards
- Bill payment options
- Online Business reporting tool
- $0 additional card fee
Pros
- Low ongoing annual percentage rate (APR)
- Up to 200 free employee cards
- Spending controls
Cons
- No introductory APR
- Offers no bonus category rewards
- Cannot apply online
- Spending controls: Set transaction limits, time limits, and spending category restrictions on any employee card.
- Business Elite online reporting: Review and track business analytics and spending habits conveniently.
- Auto rental collision damage waiver: Receive coverage for stolen or damaged rental vehicles, when you waive the rental car merchant’s insurance, up to the cash value of the vehicle.
- Purchase security: Get items repaired or replaced that were damaged or stolen within 90 days of purchase, or get reimbursed for the value of the item, up to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Visa will double the length of warranty protection offered by the manufacturer, up to one year, for warranties of three years or less.
- Travel and emergency assistance: The cardholders, their spouse, and dependents get free access to emergency, medical, travel, and legal assistance 24 hours a day.
Why we like it: If your LLC is already established, and you’re earning an annual revenue of more than $1 million, which is a qualification requirement for this card, then you will benefit from Wells Fargo Business Elite Signature Card®’s low ongoing APR. It has the lowest APR among all other cards on this list.
Besides that, you’ll also enjoy the following benefits:
- Choose to earn either 1.5% cash back or 1x points per dollar on all purchases, regardless of spending categories
- If you choose to earn points, receive 5,000 bonus points when your company spends $10,000 or more in any monthly billing period
- Earn $1,000 cash back bonus or 100,000 bonus points after spending $25,000 in the first three months after opening an account
- Get $100 travel incidental fee reimbursement per calendar year
- Pay a low annual fee of $125, which is waived for the first year
- Pay no foreign transaction fees on international purchases
As one of the leading high-limit business credit cards, Wells Fargo Business Elite Signature Card® is also great for business owners needing a high credit limit.
Chase Ink Business Preferred® Credit Card: Best for Earning Premium Rewards on Travel, Shipping & Online Advertising
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- 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
- No 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 sign-up bonus
- 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
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- 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
- No 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 sign-up bonus
- 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: If your business has substantial spending on travel, shipping, and online advertising, you’ll find Chase Ink Business Preferred® Credit Card valuable. For a low annual fee of $95, you can earn:
- 3x points per dollar on the first $150,000 spent in combined purchases in four categories for each account anniversary year, including:
- Travel
- Shipping purchases
- Advertising on search engines and social media sites
- Internet, cable, and phone services
- Unlimited 1x points per dollar on all other purchases
- 100,000 bonus points when you spend $8,000 on purchases in the first three months after opening an account—this is worth $1,000 cash back or $1,250 in travel rewards when redeemed through Chase Ultimate Rewards®
What’s more, you can enjoy the following travel benefits for your business:
- No foreign transaction fee
- 25% more points value when redeemed for travel
- Full 1:1 points value when you transfer your points to Chase’s participating frequent travel programs
Chase Ink Business Preferred Card is one of our best business credit cards for new businesses with no credit history, which means you may still qualify for the card even if your LLC is relatively new.
Coast Fuel Card: Best for LLCs With Fleets & No Personal Guarantee
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 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, etc.
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 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, etc.
Why we like it: Coast Fuel Card, one of our top business fuel cards, is a Visa fleet and fuel card designed for LLCs that own small to large fleets. It is also suitable for LLC owners who don’t want to provide a personal guarantee because Coast doesn’t require it. The card has no annual fee, but you’ll be charged a $4 monthly fee per active user.
With Coast Fuel Card, you can take advantage of the following rewards and benefits:
- Unlimited 2 cents off per gallon anywhere you purchase gas with no tiers or excluded stations
- Unlimited 1% cash back on every purchase at merchants other than gas stations
- Premium rebates from partner merchants
- Up to 30% discounts on select software, including Intuit QuickBooks
- Easy-to-use spend management dashboard that lets you control your employee spending
- Intuitive reports and charts that allow you to track transactions effortlessly
Coast Fuel Card is a charge card, so you need to pay your entire balance every billing period. Unlike the American Express Business Platinum Card®, it doesn’t have a special feature that allows you to carry a balance to the next billing cycle. Note that you’ll be charged with a flat-rate penalty of $35 for late or returned payments.
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)
As a business owner, having a business credit card solely for business purposes is crucial because it helps you keep your business and personal finances separate. This keeps your business accounting more organized, making it easier to file for deductions during tax season. Moreover, a business credit card can also 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
- EIN
- Company address
- Type of business
- Annual revenue
- Number of employees
- Credit check authorization
Most card issuers may require a personal guarantee. If you don’t want to provide one, check out our recommended business cards without a personal guarantee for options.
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 to save on interest for large purchases or balance transfers. Ensure to pay off the balance before the regular APR kicks in.
- Not commingle your business and 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. Most credit card companies let you add employee cards at no additional cost. Also, have a credit card policy in place. For more information, read our guides on how employee credit cards work and how to create a corporate credit card policy.
Bottom Line
When choosing the best business credit cards for LLCs, consider your business goals and which card can help you reach them. Determine your spending habits and decide if a card with specific spending categories or a fixed-rate rewards card will benefit you the most. Also, identify whether you want to prioritize earning premium rewards or getting low fees and low APRs. If these cards are not right for you, refer to our guide on the best small business credit cards to find alternatives.
