8 Best LLC Credit Cards

Reviewed By:
Jan 15, 2025
11 minute read

Editorial and Partnership Disclosure

The best LLC credit cards provide access to credit limits that can cover your working capital needs while letting you earn rewards based on your spending habits. Business credit cards for LLCs can help build business credit so that you can qualify for other business financing options. We selected cards that come with reasonable costs, generous rewards, and other perks that are valuable to your business.

Here are the eight best LLC credit cards:

Overview of the Best Business Credit Cards for LLCs 2025

 Best ForAnnual FeeWelcome OfferOngoing Rewards
American Express Blue Business Cash

The American Express Blue Business Cash™ Card

Overall best LLC credit card for flexibility and automatic cash back$0$250 statement creditUp to 2% cash backApply nowRates & Fees
Coast fuel card.

Coast Fuel Card

LLCs with fleets and substantial fuel expenses$0—only $4 per user, per monthNoneUp to 10 cents off per gallon everywhere Visa is accepted
American Express Blue Business Cash

The Blue Business® Plus Credit Card from American Express

Flexible credit limits with points rewards$015,000 Membership Rewards® PointsUp to 2× pointsApply nowRates & Fees
Capital One® Spark® Cash Plus Card

Capital One Spark Cash Plus

Generous cash back$150Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel creditUp to 5% cash back

U.S. Bank Triple Cash Rewards Visa® Business Card

Earning up to 5% cash back and ExtendPay® Plan$0$750 in cash backUp to 5% cash back
Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

LLCs with significant expenses on office supplies$0Earn $750 bonus cash backUp to 5% cash backLearn more
Rates & Fees
Chase Ink Business Preferred Credit Card sample

Ink Business Preferred® Credit Card

Earning premium rewards on travel, shipping, and online advertising$9590,000 bonus pointsUp to 5× points
Ramp Card.

Ramp Credit Card

No personal guarantee and up to 20x higher credit limits$0None1.5% cash back

The American Express Blue Business Cash™ Card: Overall Best LLC Credit Card for Flexibility & Automatic Cash Back

Intro APR0% on purchases
Regular APR16.74% - 28.49% Variable
Annual FeeNo annual fee
Credit NeededExcellent, Good
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Why We Like It

The American Express Blue Business Cash™ Card is our overall best business credit card for LLCs because of its Expanded Buying Feature that lets you spend over your credit limit when needed. The amount you can spend depends on your credit needs, payment history, credit score, and other financial considerations. It has $0 annual fees and lets you earn automatic cash back as a statement credit without the need for redemption.

Ongoing Rewards

  • 2% cash back on the first $50,000 in eligible purchases, then 1% cash back after the cap is met

Other Benefits

  • $250 statement credit after spending $3,000 in purchases within the first three months of card ownership
  • 0% Annual Percentage Rate (APR) on purchases for the first 12 billing cycles after opening an account
  • No personal credit score impact when checking if you’re approved

Coast Fuel Card: Best for LLCs With Fleets and Substantial Fuel Expenses

Intro APRN/A
Regular APRN/A
Annual FeeNone, only $4 per active card per month
Credit NeededGood to Excellent
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Why We Like It

Coast Fuel Card is a charge card that’s designed for companies with small to large fleets, as well as small businesses that have frequent gas expenses. You can save up to 10 cents per gallon at over 30,000 gas stations nationwide, and you can also earn a fixed-rate cash back on purchases other than gas. Plus, it features a platform with customizable controls for seamless expense management. Since this is a charge card, your balance is due in full each month.

Ongoing Rewards

  • 4 to 10 cents per gallon at more than 30,000 gas stations nationwide
  • 1% cash back on purchases at merchants other than gas stations

Other Benefits

  • $0 annual fees—only pay $4 per active user per month
  • Real-time visibility into your expenses
  • Seamless integrations with business tools, including telematics, fleet management, and accounting

The Blue Business® Plus Credit Card from American Express: Best for Flexible Credit Limits with Points Rewards

Intro APR0% on purchases
Regular APR16.74% - 28.49% Variable
Annual FeeNo annual fee
Credit NeededExcellent, Good
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Why We Like It

The Blue Business® Plus Credit Card from American Express also features Expanded Buying Power, offering flexible credit limits based on your credit use, payment behavior, credit history, and other financial factors. It has $0 annual fees and offers points rewards that can be redeemed in several ways, including statement credits, travel, gift cards, and to pay for purchases at selected merchants.

Ongoing Rewards

  • 2× points per dollar on the first $50,000 in purchases each year, then 1× point per dollar thereafter

Other Benefits

  • 15,000 Membership Rewards® points after you spend $3,000 in your first three months of card ownership
  • 0% APR on purchases for 12 months from the date of account opening

Capital One Spark Cash Plus: Best for Generous Cash Back

Intro APRN/A
Regular APR25.74% (Variable)
Annual Fee$150
Credit NeededExcellent
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Why We Like It

Capital One Spark Cash Plus comes with a simple yet generous rewards structure and a lucrative welcome offer. It is ideal for those who have substantial business expenses and need flexible credit limits because it comes with no preset spending limit—your purchasing power that adapts to your business’s behavior, payment history, credit profile, and other financial factors. Keep in mind that your balance is due in full each month. Also, balance transfers are not available on this credit card.

Ongoing Rewards

  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • 2% cash back on all business-related purchases without limits or category restrictions

Other Benefits

  • Lucrative welcome offer—receive Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months
  • Annual fee refund—spend $150,000 annually and Capital One will refund the $150 annual fee every year.

U.S. Bank Triple Cash Rewards Visa® Business Card: Best for Earning Up to 5% Cash Back & ​​ExtendPay® Plan

Intro APR0% intro on purchases for 12 billing cycles
Regular APR17.24% - 26.24% Variable
Annual Fee$0
Credit NeededExcellent, Good
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Why We Like It

With the U.S. Bank Triple Cash Rewards Visa® Business Card, you can earn up to 5% cash back on your purchases while paying $0 annual fees and enjoying other cost-saving perks. It comes with 0% purchase APR for the first 12 billing cycles. Plus, it features ​​ExtendPay® Plan, which lets you divide your eligible balance into equal monthly payments without interest, just a small monthly fee .

Ongoing 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 for transactions of $200 or less, office supply stores, cell phone service providers, and restaurants
  • 1% cash back on all other eligible purchases

Other Benefits

  • $750 in cash back after spending at least $6,000 in eligible net purchases within the first 180 days of account opening
  • $100 statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks

Ink Business Cash® Credit Card: Best for LLCs With Significant Expenses on Office Supplies

Intro APR0% Intro APR on Purchases 12 months
Regular APR16.99% - 24.99% Variable
Annual Fee$0
Credit Needed

Why We Like It

If you have significant expenses on office supplies, you can earn premium rewards from the Ink Business Cash® Credit Card while paying $0 annual fees. It offers 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each year, making it ideal for office-based LLCs. On top of that, you’ll receive up to $750 cash back as a welcome offer when you meet the spending requirements.

Ongoing Rewards

  • 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

Other Benefits

  • Earn 5% total cash back on Lyft rides through 9/30/27

Ink Business Preferred® Credit Card: Best for Earning Premium Rewards on Travel, Shipping & Online Advertising

Intro APRN/A
Regular APR17.74% - 26.74% Variable
Annual Fee$95
Credit NeededExcellent, Good

Why We Like It

Ink Business Preferred® Credit Card is a great option if you travel frequently for business. It lets you earn premium rewards on travel, shipping, and online advertising. Plus, your rewards are worth 25% more when you redeem them for travel through Chase TravelSM. Also, you can transfer your points at 1:1 value to any of Chase’s airline and hotel partners. What’s more, it comes with a low annual fee of $95 and a high welcome offer.

Ongoing Rewards

  • 5× points on Lyft rides until March 2025
  • 3× points per dollar spent on the first $150,000 spent in combined purchases for each account anniversary on the following categories:
    • Travel
    • Shipping
    • Advertising on search engines and social media sites
    • Internet, cable, and phone services
  • 1× point per dollar spent on all other purchases

Other Benefits

  • 90,000 bonus points after you spend $8,000 in the first three months after opening an account
  • Flexible redemption options—you can redeem your rewards for cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards. Plus, your points don’t expire as long as your account is open
  • Up to 100,000 points per year—you’ll earn an additional 20,000 bonus points for each business that gets approved for any Chase Ink® Credit Card

Ramp Credit Card: Best for No Personal Guarantee & Up to 20x Higher Credit Limits

Intro APRNone
Regular APRNone
Annual Fee$0
Credit NeededPoor to Excellent

Why We Like It

For LLC owners who don’t want to be personally liable for their company’s obligations, Ramp Credit Card is a great option. It does not require a personal guarantee, and it offers a high credit limit (up to 20x higher compared to most traditional business credit cards). Note that you need to have at least a $25,000 cash deposit in an account that will be connected to your Ramp application as part of the qualification process.

Ongoing Rewards

  • 1.5% cash back on purchases, regardless of spending categories

Other Benefits

  • Unlimited virtual and physical cards at no additional cost to support teams of any size
  • Robust financial management system that lets you manage your expenses and control spending

How We Selected the Best LLC Credit Cards

To determine the best LLC credit cards, we took into consideration the various features important to LLC owners. We looked at fees, interest rates, introductory rates, bonuses, and ongoing rewards. All of these benefits can help you save money in the long run. We also considered the expense management system included with the card and the ability to build credit.

Frequently Asked Questions (FAQs)

Why should I open a business credit card for my LLC?

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.

How to apply for business credit cards for LLCs?

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
How can I make the most out of LLC credit cards?

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.
What are the advantages or disadvantages of LLCs getting a business credit card?

Here are the advantages and disadvantages of LLCs getting a business credit card:


AdvantagesDisadvantages
Can help build business creditCan easily accumulate debts if not used responsibly
Lets you earn rewards from your business expensesAdds to your LLC’s overall costs
Gives you access to valuable features that can be beneficial for your businessOpens companies to the possibility of employees misusing the card

For more information on employee cards, read our guides on how employee credit cards work and how to create a corporate credit card policy.

Bottom Line

The best business credit cards for LLCs can help you cover expenses, save on costs, and reach your business goals. Determine your spending habits and decide if you need a card with interest-free financing, $0 annual fees, welcome offers, and premium rewards. LLC credit cards that come with low fees and low ongoing APRs can help you save money in the long run, so it’s best to understand your needs and options before settling for one.

Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.


To see rates & fees for the American Express cards mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
American Express Blue Business® Plus

Benilyn Formoso

Benilyn Formoso-Suralta is a staff writer at Fit Small Business focusing on finance, accounting, and Small Business Loans. She brings with her 12 years of experience as a banking officer with the Bank of the Philippine Islands with expertise in consumer banking, real estate sales, and foreign exchanges.

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