8 Best LLC Credit Cards 2019

The best LLC credit cards have large introductory offers of up to $750, strong ongoing rewards of up to 5%, and low ongoing APRs. Plus, they offer additional features, such as insurance and travel perks. Some cards offer interest-free financing for up to 15 billing cycles on both purchases and balance transfers.

Top 8 Best LLC Credit Cards July 2019

What’s Changed With the Best Business Credit Cards for LLC Owners

This article was originally published in June 2019. We update our business credit cards for limited liability companies (LLCs) ranking often because issuers frequently change card offerings, including the introductory APRs and rewards. The most recent changes to the best LLC credit cards include the addition of a small business credit card to our list.

The changes to our list of the best LLC credit cards are:

We Added a U.S. Bank Credit Card to Our Best LLC Credit Card List

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® charges no interest for 15 billing cycles on purchases and balance transfers. Plus, you’ll earn 3% cash back and a unique annual bonus up to $250. This card is our top pick for the best 0% APR business credit card and best balance transfer credit card. Make sure to pay off your balance before the introductory APR period ends.

Applying for an LLC Credit Card

A limited liability company (LLC) combines elements of a partnership and corporation. It’s similar to a partnership in terms of tax efficiency and business flexibility, and it’s similar to a corporation in terms of limited personal liability for its owners. As an LLC, the owner is not personally liable for the LLC’s debts. You can apply for a business credit card as an LLC, but that doesn’t absolve you of your personal guarantee to repay.

How We Evaluated the Best LLC Credit Cards

LLC business credit cards offer various introductory and ongoing rewards, a range of APRs, and free additional benefits. The best LLC credit card for you is the card that offers the right mix of rewards, fees, and benefits for your business.

In our evaluation of the best business credit cards for LLC owners, we considered:

• Introductory rewards: The introductory offer you can earn by meeting a minimum spending requirement. Cards on this list offer introductory rewards up to $750.
• Ongoing rewards: The points or cash-back rewards you can earn for your ongoing purchases. The cards on our list pay ongoing rewards worth up to 5% of your purchase.
• Introductory APR: Whether a card offers an introductory 0% APR period on purchases or balance transfers. The best LLC credit card offers include introductory no-interest financing for up to 15 billing cycles.
• Ongoing APR: How much it costs to finance purchases or balance transfers. Cards on this list have ongoing APRs as low as 14.24%.
• Additional features: Any free perks or benefits that increase the card’s value. Some cards on our list offer purchase protection, extended warranty protection, and car rental insurance.
• Annual fee: How much it costs to own the card each year. Cards on this list have annual fees between $0 and $595.
• Who the card is best for: Which types of LLCs can benefit from a specific LLC credit card. Evaluate your financial situation and the features or rewards you need before you apply for a card.

While most small business credit cards evaluate your business credit, most also require a personal credit check and a credit score of at least 670 for approval. We also included one fair credit business credit card for LLC owners with personal credit scores below 670. You can compare the best business credit cards for LLC owners through our credit card marketplace.

We recommend Chase Ink Business Cash^SM as the overall best LLC credit card. This card pays up to 5% cash back and offers an introductory 0% APR period for 12 months on purchases. Additionally, you can earn $500 cash back after spending $3,000 within the first three months.

Chase Ink Business Cash^SM is the overall best LLC credit card because it offers an unbeatable mix of introductory rewards, ongoing rewards, and interest-free financing. You’ll earn up to 5% cash back and pay no annual fee. You can also earn a sign-up bonus of $500 after you spend $3,000 within the first three months. LLC owners will receive an introductory 0% APR period on purchases for 12 months. Ongoing APR starts at 15.49%.

Chase Ink Business Cash^SM Costs

Chase Ink Business Cash^SM charges no annual fee and no interest for 12 months on purchases. If you need to transfer a balance, this card is not right for you because its introductory APR only applies to purchases and it has a high balance transfer fee of 5%.

Financing costs and fees on the Chase Ink Business Cash^SM credit card include:

• Introductory APR: 0% APR for 12 months on purchases
• Ongoing APR: 15.49% to 21.49% variable, which adjusts with the prime rate
• Annual fee: None
• Balance transfer fee: $5 or 5%, whichever is greater

Chase Ink Business Cash^SM is one of the best business credit cards with no annual fee. This card’s introductory APR falls short compared to the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card offers an introductory 0% APR period for 15 billing cycles on both purchases and balance transfers.

Chase Ink Business Cash^SM Rewards

Chase Ink Business Cash^SM pays some of the best cash-back rewards, which are worth 5% of your purchase. Owners will also receive a $500 bonus after spending $3,000 within the first three months.

Introductory Rewards

You’ll earn $500 cash back after spending $3,000 within the first three months after account opening. Capital One® Spark® Cash for Business also lets you earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months from account opening. You must spend $1,500 more to receive the same bonus as Chase Ink Business Cash^SM.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone, and landline services each account anniversary year, then 1% afterward.
• 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1% afterward.
• 1% cash back on all other purchases.

Chase Ink Business Cash^SM pays cash-back rewards that are worth up to 5% of your purchase, which makes it one of the best cash-back business credit cards. No other card on our list offers higher rewards for gas or restaurant purchases, either.

How to Redeem Rewards

You can redeem your rewards for cash back, gift cards, and travel through Chase’s online travel portal. Redemption value for all three options is one cent per point, which is standard among cash back credit cards. When redeeming for cash, you can receive a statement credit or a deposit into an eligible checking or savings account from a U.S.-based bank or credit union.

Chase Ink Business Cash^SM Additional Features

Chase Ink Business Cash^SM offers similar protections as most other business credit cards, which include car rental insurance, purchase protection, and extended warranty protection.

Chase Ink Business Cash^SM comes with the following additional features:

• Auto rental collision damage waiver: Provides primary coverage when renting for business purposes, which means it replaces your personal insurance. Chase will reimburse you up to the actual cash value of the vehicle for theft and collision damage.
• Purchase protection: Provides coverage against damage or theft for the first 120 days after purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
• Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less.

The additional benefits are similar to what most business credit cards on our list offer. However, some cards offer higher coverage levels. For example, the American Express Business Platinum Card® extended warranty protection offers up to an additional two years of coverage on warranties of five years or less.

What Chase Ink Business Cash^SM Is Missing

Chase Ink Business Cash^SM sets a $25,000 annual cap on both the 5% and 2% cash-back reward spending categories. This limitation may be too small for some LLC owners. If you spend more than $25,000, consider adding the Capital One® Spark® Cash for Business to your wallet. That card pays an unlimited 2% cash back on all purchases.

Chase Ink Business Cash^SM Reviews

We considered both user reviews and our own editorial review when rating this card. Chase Ink Business Cash^SM reviews are very positive. Users especially enjoy the robust rewards and no annual fee.

User Reviews

Online reviews suggest that most cardholders find this an extremely valuable option. Cardholders benefit from its no annual fee and the business-oriented cash-back rewards. However, some users complain that the ongoing APR is too high. The low end of the APR range just beats the average of about 17%.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This Chase Ink business credit card is one of the best small business credit cards. Its introductory rewards, ongoing rewards, and introductory interest-free financing period set it apart from other cards. Some reviewers believe travel rewards could make this a stronger card.

How to Apply for Chase Ink Business Cash^SM

You can apply for the Chase Ink Business Cash^SM online by filling out a basic application with your business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days

Apply Now

The American Express Business Platinum Card® is best for LLC owners who travel frequently. It offers top travel rewards and luxury travel perks, including airport lounge access and airport security screening statement credits. This American Express business card charges an annual fee of $595, which makes it the most expensive card on our list. This is also a charge card, so it carries no APR because you’re required to pay it off in full monthly.

American Express Business Platinum Card® Costs

This business travel credit card charges the highest annual fee on our LLC credit card list. However, if you travel often, the $595 annual fee could be worth the luxury travel perks.

Financing costs and fees on this American Express business credit card include:

• Introductory APR: None
• Ongoing APR: No APR because it’s a charge card and needs to be paid in full monthly
• Annual fee: $595
• Balance transfer fee: Transfers are not allowed

The American Express Business Platinum Card® is the only charge card on our list. This means it carries no APR and your balance is due in full every month. If you can’t afford to pay off your balance in full every month, consider a traditional business credit card like the Discover it® Business Card.

American Express Business Platinum Card® Rewards

The American Express Business Platinum Card® offers up to 75,000 bonus points after spending $20,000 within the first three months. It also has ongoing rewards of 5x points on purchases made through American Express Travel.

Introductory Rewards

You will earn the following introductory rewards when using your card:

• 50,000 bonus points after spending $10,000 within three months.
• 25,000 extra bonus points after spending an additional $10,000 within the first three months.

This introductory offer of 75,000 bonus points can be worth up to $750 in flights, Uber rides, and gift cards, and up to $525 in prepaid hotels. Other LLC business credit cards offer smaller sign-up bonuses. For example, Chase Ink Business Unlimited^SM offers $500 after you spend $3,000 within three months.

Ongoing Rewards

You will earn the following ongoing rewards when using your card:

• 5x points on travel purchases through American Express Travel.
• 1.5x bonus points per dollar for eligible purchases of at least $5,000.
• 1x points on all other purchases.

This card is one of the best business credit cards for travel, as it offers the best returns on airfare and hotel purchases. Plus, it’s the only card that offers bonus rewards for purchases of at least $5,000. That reward also makes it an excellent option for LLCs looking for a high limit business credit card to make larger purchases. Charge cards usually have no preset spending limit, so you can make large purchases without worrying about hitting your credit limit.

How to Redeem Rewards

There are seven ways to redeem your rewards:

• Statement credit: Redeem at least 1,000 points in your account for charges on your credit card statement.
• Travel: Redeem a minimum of 5,000 points to book travel on American Express Travel and receive 35% of your points back.
• Gift cards: Redeem your points for gift cards through American Express.
• Amazon purchases: After you add your card to your Amazon account and use it at least once, you can use your points on Amazon purchases.
• Ticketmaster: Redeem a minimum of 2,000 points on Ticketmaster to purchase event tickets.
• AXS: Redeem a minimum of 2,000 points on AXS to purchases event tickets.
• Taxi fares: Redeem your points for select taxi fares and tips in New York City.

American Express Business Platinum Card® Additional Features

The American Express Business Platinum Card® comes with the most robust and unbeatable card perks. It includes free access to over 1,200 airport lounges, airport security screening, travel credits, and free in-flight Wi-Fi. You will also receive one year of Premium Global Access from WeWork, which is a co-working space.

The American Express Business Platinum Card® includes:

• American Express lounges: Free access to American Express Centurion lounges, which are located in eight U.S. airports.
• Other airport lounges: Free unlimited access to a network of at least 1,200 airport lounges.
• Airport screening: Either a $100 statement credit for Global Entry or $85 statement credit for TSA Pre✓® once every four years.
• Travel credit: A $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
• WeWork Access: Receive one year of Premium Global Access from WeWork, which gives you access to at least 300 premium workspaces in more than 75 cities. This membership is worth $2,700.
• Rental status: Elite status at a number of car rental agencies, which includes free upgrades.
• Free in-flight Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
• Points rebate: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
• Dell statement credit: Get up to $100 in statement credits every six months on purchases with Dell for a total of $200 in credits every year.

Although this card’s annual fee of $595 is steep for most LLC owners, the additional card features are worth the money if you travel frequently. This is the only card on our list that offers airport lounge access and travel credits. We believe these features make it one of the best business credit cards with lounge access.

What American Express Business Platinum Card® Is Missing

The American Express Business Platinum Card® is a charge card, which means you must pay off your balance every month. If you need to carry a balance, it’s best to look elsewhere. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent alternative. That card offers an introductory 0% APR period for 15 billing cycles on purchases and balance transfers.

American Express Business Platinum Card® Reviews

We considered both user reviews and our own editorial review when evaluating this card. American Express Business Platinum Card® reviews are generally positive. Although it carries a high annual fee, its luxury travel perks are unrivaled.

User Reviews

Online user reviews are generally positive. Cardholders who travel often say the airport lounge access benefit is unbeatable. However, some users who don’t travel frequently complain the annual fee is too expensive compared to other business credit cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Reviewers agree that this is one of the best American Express business credit cards. Its luxury travel perks are like no other card we have reviewed. However, its annual fee is a turnoff for some LLC owners. It also lack rewards for spending categories other than travel.

How to Apply for American Express Business Platinum Card®

You can apply for the American Express Business Platinum Card® online in a matter of minutes. You will be required to provide your basic business and personal information. Once approved, you will receive your card within seven to 10 business days.

Apply Now

Chase Ink Business Unlimited^SM: Best LLC Credit Card for Fixed-rate Cash Back With No Annual Fee

Chase Ink Business Unlimited^SM is best for fixed-rate cash-back rewards and no annual fee. This card pays 1.5% on all purchases, which is a half percentage point less than Capital One® Spark® Cash for Business. However, that card charges an annual fee. You can earn a $500 bonus after spending $3,000 within the first three months. You’ll also have 0% APR for 12 months on purchases. Ongoing APR starts at 15.49%.

Chase Ink Business Unlimited^SM Costs

Chase Ink Business Unlimited^SM carries identical costs to the Chase Ink Business Cash^SM credit card. It charges no annual fee and no interest for 12 months on purchases.

Financing costs and fees on the Chase Ink Business Unlimited^SM credit card include:

• Annual fee: None
• Introductory APR: 0% APR for 12 months on purchases
• Ongoing APR: 15.49% to 21.49% variable, which adjusts with the prime rate
• Balance transfer fee: $5 or 5%, whichever is greater

If you’re looking for the best introductory APR, consider choosing another LLC business credit card with no annual fee. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is an excellent alternative. That card has no annual fee and offers an introductory 0% APR period for 15 billing cycles on both purchases and balance transfers.

Chase Ink Business Unlimited^SM Rewards

Chase Ink Business Unlimited^SM offers a $500 bonus after you spend $3,000 within the first three months. To earn a larger introductory reward, you’ll need to pay for a card with an annual fee. Additionally, this card pays unlimited 1.5% cash back on all purchases.

Introductory Rewards

You will earn $500 cash back when you spend $3,000 within the first three months. This introductory reward is identical to Chase Ink Business Cash^SM. If you want to earn a larger reward, you’ll need to choose a card with an annual fee like the American Express Business Platinum Card®. That card’s introductory reward is worth up to $750 in travel, but it has an annual fee of $595.

Ongoing Rewards

You will earn unlimited 1.5% cash back on all purchases, which makes it a solid credit card for new businesses that don’t want to track category rewards. If you want to earn a higher return rate, you’ll have to pay an annual fee. For example, Capital One® Spark® Cash for Business pays 2% cash back on all spending but charges an annual fee of $95, waived the first year.

How to Redeem Rewards

You can redeem your rewards for cash back, gift cards, and travel through Chase’s online travel portal. Redemption value for all three options is one cent per point, which is common. When you redeem as cash back, you can receive a statement credit or a deposit into an eligible checking or savings account from a U.S.-based bank or credit union.

You also can increase your redemption value when you transfer rewards to another Chase credit card you own that’s part of the Ultimate Rewards program. For example, if you transfer Chase Ink Business Unlimited^SM rewards to the Chase Ink Business Preferred^SM card, each point is worth 1.25 cents per point when redeemed for travel.

Chase Ink Business Unlimited^SM Additional Features

Chase Ink Business Unlimited^SM offers identical additional features to Chase Ink Business Unlimited^SM, which include car rental insurance, purchase protection, and extended warranty protection.

Chase Ink Business Unlimited^SM comes with the following additional features:

• Auto rental collision damage waiver: Primary coverage when renting a car for business purposes, which means it replaces any coverage your personal insurance offers. The issuer may reimburse up to the actual cash value of the vehicle for theft and collision damage.
• Purchase protection: Covers purchased items within 120 days of purchase from damage or theft. Coverage is limited to $10,000 per incident and $50,000 per year.
• Extended warranty protection: Offers an additional year of warranty on U.S. manufacturers’ warranties of three years or less

Most of the best credit cards for LLC owners on our list offer similar additional card features. However, some cards offer better coverage levels. For example, the no annual fee American Express Blue Business^SM Plus credit card’s extended warranty protection provides up to an additional two years of coverage on warranties of five years or less.

What Chase Ink Business Unlimited^SM Is Missing

Chase Ink Business Unlimited^SM offers a lower reward rate compared to other fixed-rate cash-back LLC business cards on our list. However, you’ll need to take on an annual fee to receive a higher rate. For example, Capital One® Spark® Cash for Business offers 2% cash back on all spending. That card has an annual fee of $95, waived the first year.

Chase Ink Business Unlimited^SM Reviews

We considered both user reviews and our own Chase Ink Business Unlimited^SM card review when rating this card. Most user reviews are positive, but cardholders think Chase Ink Business Cash^SM is a better choice. If you want to earn a higher return rate, you’ll need to pay an annual fee.

User Reviews

Online user reviews suggest that cardholders especially enjoy the introductory rewards and introductory 0% APR period on purchases. However, some users complain that the ongoing rewards fall short of other cash-back business credit cards. There are some LLC business cards that offer fixed-rate rewards up to 2%, but those credit cards charge annual fees.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. This Chase Ink business credit card is an excellent card option for LLCs that don’t have the time or patience to track category rewards. Plus, you’ll pay no annual fee. However, reviewers agree there are cards that offer better ongoing rewards.

How to Apply for Chase Ink Business Unlimited^SM

You can apply for the Chase Ink Business Unlimited^SM online by providing your basic business and personal information, and you could be approved instantly. Once you’re approved, you’ll receive your card in the mail within seven to 10 days

Apply Now

American Express Blue Business^SM Plus is designed for LLCs that want to earn fixed-rate points rewards and pay no annual fee. You’ll earn 2x points on all purchases up to $50,000 annually, then 1x points thereafter. It also offers interest-free financing for 12 months on both purchases and balance transfers. However, it doesn’t offer introductory rewards, which can be a turnoff for some owners. Ongoing APR starts at 15.49%.

American Express Blue Business^SM Plus Costs

American Express Blue Business^SM Plus charges no annual fee and no interest on purchases and balance transfers for 12 months. This offer falls short of the 15 billing cycles the U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers.

Financing costs and fees on the American Express Blue Business^SM Plus card include:

• Annual fee: None
• Introductory APR: 0% for 12 months on purchases and balance transfers, which makes it one of the best balance transfer business cards
• Ongoing APR: 15.49% to 21.49% variable, which adjusts with the prime rate
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater

Alongside its introductory 0% APR period, this American Express business credit card charges a small balance transfer fee. Chase Ink Business Cash^SM card, for example, charges 5% on balance transfers compared to the 3% on this card. This difference can add up to hundreds of dollars if you transfer a large balance.

American Express Blue Business^SM Plus Rewards

The American Express Blue Business^SM Plus credit card does not offer any introductory rewards, which is one of its weaknesses. However, it pays 2x points on all purchases up to $50,000 per year, then 1x points thereafter.

Introductory Rewards

The American Express Blue Business^SM Plus credit card does not offer any introductory rewards. Applying for an LLC business card that offers introductory rewards can let you earn a sign-up bonus worth hundreds of dollars. For example, Chase Ink Business Cash^SM and Chase Ink Business Unlimited ^SM both offer $500 after you spend $3,000 within the first three months.

Ongoing Rewards

With the American Express Blue Business^SM Plus card, you can earn:

• 2x points on all purchases up to $50,000 each year.
• 1x points on all additional purchases.

American Express Blue Business^SM Plus pays the same fixed-rate as the Capital One® Spark® Cash for Business card. However, this American Express business credit card only rewards purchases up to $50,000 annually. Capital One® Spark® Cash for Business has no limit and allows you to earn unlimited rewards of 2% cash back on all spending.

How to Redeem Rewards

There are seven ways to redeem your rewards:

• For your charges: Redeem your points for your eligible charges on your current statement. You must have at least 1,000 available points in your account.
• Travel: Redeem for travel through American Express Travel. The minimum redemption is 5,000 points.
• Gift cards: Purchase American Express gift cards.
• Amazon.com: To use points at Amazon, you must first load your card into your Amazon account and use your card at least once.
• Ticketmaster: Redeem your points on Ticketmaster to purchase event tickets. Minimum redemption is 2,000 points.
• AXS: Redeem your points on AXS to purchase event tickets. Minimum redemption is 2,000 points.
• Taxi fares: You can redeem your points for fares (including tips) in some taxis in New York City.

American Express Blue Business^SM Plus Additional Features

American Express Blue Business^SM Plus offers similar additional features to most business credit cards, which include extended warranty protection and purchase protection.

American Express Blue Business^SM Plus comes with the following additional features:

• Extended warranty protection: Provides up to an additional two years of warranty on the original manufacturer’s warranty of five years or less. Coverage is limited to $10,000 per claim and $50,000 per year.
• Purchase protection: The issuer will repair, replace, or reimburse you for a purchased item that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per claim and $50,000 per year.

American Express is known for its robust and unrivaled additional card features. The extended warranty protection on this card is better compared to Chase Ink Business Cash^SM. That card only covers U.S. manufacturers’ warranties of three years or less.

What American Express Blue Business^SM Plus Is Missing

American Express Blue Business^SM Plus is one of the few cards on our list that doesn’t offer introductory rewards, which may turn away LLCs looking to maximize credit card rewards. If you want a card that offers introductory rewards and charges no annual fee, consider Chase Ink Business Cash^SM. That card offers $500 after you spend $3,000 within the first three months.

American Express Blue Business^SM Plus Reviews

We considered both user reviews and our own editorial review when rating this card. American Express Blue Business^SM Plus reviews are mostly positive. LLC owners believe its introductory 0% APR financing and ongoing rewards help grow their businesses. However, the lack of introductory rewards is a disadvantage.

User Reviews

Online cardholder reviews are mostly mixed. Most cardholders suggest they especially enjoy the benefit of no-interest financing and the card’s fixed-rate rewards. However, some users complain about the lack of an introductory reward.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. American Express Blue Business^SM Plus is a solid small business credit card for LLC owners who want to save on interest charges and earn fixed-rate ongoing rewards. However, the lack of an introductory reward may be a deciding factor for some.

How to Apply for American Express Blue Business^SM Plus

You can apply for the American Express Blue Business^SM Plus online in a matter of minutes. You’ll be required to fill out a basic application containing your business and personal information. Once approved, you’ll receive your card within seven to 10 days.

Apply Now

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is best for LLC owners who are looking for no-interest financing. It offers an introductory 0% APR period on purchases and balance transfers for 15 billing cycles. You’ll also earn up to 3% cash back and a unique 25% bonus on the prior year’s rewards, up to $250. Its ongoing APR is between 14.24% and 25.24%.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Costs

The U.S. Bank business credit card offers the best introductory APR period on our list. You’ll pay no annual fee and no interest for 15 billing cycles on purchases and balance transfers.

Financing costs and fees on the U.S. Bank Business Cash Rewards World Elite™ Mastercard® include:

• Introductory APR: 0% on balance transfers and purchases for the first 15 billing cycles
• Ongoing APR: 14.24% to 25.24% variable, which adjusts with the prime rate
• Balance transfer fee: $5 or 3% of the transfer, whichever is greater
• Annual fee: None

The next best introductory APR offer on our list is the American Express Blue Business^SM Plus credit card. That card charges no interest on purchases and balance transfers for 12 months compared to the 15 months on the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Rewards

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® offers a $500 sign-up bonus after you spend $4,500 within the first 150 days. You can also earn a unique 25% annual bonus worth up to $250. It pays up to 3% cash back in three bonus categories.

Introductory Rewards

You’ll earn $500 cash back after you spend $4,500 during the first 150 days. This card’s minimum spending requirement window is longer than most cards on our list. For example, Chase Ink Business Cash^SM requires you to spend $3,000 within three months to earn the $500 sign-up bonus.

Ongoing Rewards

You’ll earn the following ongoing rewards when using your card:

• 3% cash back on cellphone purchases and service.
• 3% cash back on gas purchases up to $200 per single purchase.
• 3% cash back at office supply stores.
• 1% cash back on all other eligible purchases.

The cellphone bonus category is a unique reward compared to other cards on our list. If you don’t want to track category bonuses, consider a fixed-rate rewards card like American Express Blue Business^SM Plus (2x points per $1) or Capital One® Spark® Cash for Business (2% cash back).

How to Redeem Rewards

You can redeem your rewards for cash back, as a statement credit, or in the form of a debit card. If you choose a debit card, you’ll receive a U.S. Bank Rewards Mastercard Card. If you redeem as cash back, your rewards will be deposited into your U.S. Bank business checking, savings, or money market account.

Redemption rates are three cents per dollar spent on cellphone purchases and service, gas purchases, and office supply store purchases. All other redemptions are worth one cent per dollar spent.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Additional Features

This small business credit card offers perks similar to most other cards on our list, such as a car rental collision damage waiver, purchase security, and extended warranty protection.

The following benefits are included on your card:

• MasterRental car rental collision damage waiver: U.S. Bank covers you in case of accident or theft on all rentals made worldwide. This coverage is primary, which means you won’t need to use your own car insurance or accept what the rental company offers. Coverage is limited up to $50,000.
• Purchase assurance: U.S. Bank may repair or reimburse purchases that are damaged or stolen within 90 days of purchase. This coverage is limited to $1,000 per item and up to $25,000 per year.
• Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year on warranties of five years or less. U.S. Bank will replace the item or reimburse you up to the amount charged on your card up to $10,000.

This card includes benefits similar to the American Express Blue Business^SM Plus. However, that American Express business credit card offers purchase protection on items that are damaged or stolen within 120 days of purchase.

What U.S. Bank Business Cash Rewards World Elite™ Mastercard® Is Missing

The U.S. Bank business credit card doesn’t offer the best rewards for office supply store spending compared to some other business credit cards. You can earn up to 5% cash back with other cash-back business credit cards, including Chase Ink Business Cash^SM. However, that card does not have an introductory APR that applies to balance transfers.

U.S. Bank Business Cash Rewards World Elite™ Mastercard® Reviews

We considered both user reviews and our own editorial review when rating this card. U.S. Bank Business Cash Rewards World Elite™ Mastercard® reviews are mostly positive. This card has one of the best introductory APR offers, but it could improve its ongoing cash-back rewards.

User Reviews

Online reviews are generally positive. Cardholders say they benefit from the card’s introductory 0% APR period when building their business. However, some users wish it had a more robust ongoing rewards structure.

Editorial Reviews

We rate business credit cards based on their costs, rewards, and benefits. The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is the best credit card for financing purchases or transferring a balance from a card with high interest rates. Reviewers agree this card lacks top cash-back rewards.

How to Apply for U.S. Bank Business Cash Rewards World Elite™ Mastercard®

You can apply online for the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. You’ll be required to fill out a basic application with your business and personal information. Once you’re approved, you’ll receive your card in the mail within seven to 10 days.

Apply Now

Capital One® Spark® Cash for Business is the best LLC credit card for owners who want to earn top fixed-rate cash-back rewards. You’ll earn unlimited 2% cash back on all spending, which makes it a good option for LLCs that don’t want to track category bonuses. Its ongoing variable APR is 19.24%, which is about two percentage points higher than the average among small business credit cards.

Capital One® Spark® Cash for Business Costs

Capital One® Spark® Cash for Business does not offer an introductory APR period like other cards on our list. Plus, it charges an annual fee and has a relatively high ongoing variable APR of 19.24%.

Financing costs and fees on Capital One® Spark® Cash for Business include:

• Introductory APR: None
• Ongoing APR: 19.24% variable, which adjusts with the prime rate
• Annual fee: $95, waived for the first year
• Balance transfer fee: None

Besides the American Express Business Platinum Card®, Capital One® Spark® Cash for Business is the only other card on our list that charges an annual fee. For the first year you’ll pay no annual fee, but Capital One will charge $95 thereafter. In comparison, the American Express Business Platinum Card® charges a steep $595 annually.

Capital One® Spark® Cash for Business Rewards

This Capital One business credit card offers a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months from account opening. Plus, it pays 2% cash back on all spending, which is the highest fixed-rate return on our list. If you would rather earn miles for travel, Capital One offers Capital One® Spark® Miles for Business, which is a nearly identical card.

Introductory Rewards

You’ll earn a one-time $500 cash bonus once you spend $4,500 on purchases within the first three months from account opening. This introductory offer is similar to Chase Ink Business Cash^SM, but its minimum spending requirement is higher. Chase Ink Business Cash^SM offers $500 after you spend $3,000 within the first three months.

Ongoing Rewards

You’ll earn unlimited 2% cash back on all spending. This is the highest fixed-rate return on our list. In comparison, Chase Ink Business Unlimited^SM pays 1.5% cash back on all spending. These fixed-rate ongoing rewards are best for LLC owners who don’t want to take the time to track category bonuses. If you want to earn bonus category rewards, consider Chase Ink Business Cash^SM.

How to Redeem Rewards

You can redeem your rewards as a statement credit, as a check, for a recent transaction, for gift cards, or you can set up automatic redemption. If you choose to redeem automatically, you can set a time each calendar year to receive your rewards or when you reach a specific threshold ($25, $50, $100, $200, $500, or $1,500).

Capital One® Spark® Cash for Business Additional Features

According to Capital One’s website, this card offers the Visa® Business Benefits, which include common business credit card perks like extended warranty protection and purchase protection.

Capital One® Spark® Cash for Business comes with the following additional features:

• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less.
• Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year.

According to Capital One’s website, Capital One® Spark® Cash for Business offers Visa® Business Benefits. These additional card benefits are similar to most other small business credit cards. If you want better coverage levels, you’ll need to consider a card with a higher annual fee, like the American Express Business Platinum Card®.

What Capital One® Spark® Cash for Business Is Missing

Capital One® Spark® Cash for Business does not have an introductory 0% APR period, which means it’s not the best for carrying a balance. If you need to carry a balance, consider a 0% APR business credit card like the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card offers no interest financing for 15 billing cycles on purchases and balance transfers.

Capital One® Spark® Cash for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Cash for Business reviews are mostly positive. It’s one of the top fixed-rate business credit cards, but may not be right for all LLC owners because of its $95 annual fee.

User Reviews

Online Capital One® Spark® Cash for Business user reviews are generally positive. This card offers excellent fixed-rate rewards on all spending, which cardholders find extremely beneficial. However, some users complain about the lack of introductory interest-free financing as seen on other business credit cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this card agree that it’s best for LLCs that have diverse spending needs because of its fixed-rate rewards. However, LLC owners who spend less than $19,000 may benefit more from the Capital One® Spark® Cash Select for Business, which charges no annual fee.

How to Apply for Capital One® Spark® Cash for Business

You can apply for the Capital One® Spark® Cash for Business card online. You’ll be required to provide your basic personal and business information. Once approved, you’ll receive your card within seven to 10 business days.

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Discover it® Business Card: Best LLC Credit Card for Maximizing First-year Rewards

The Discover it® Business Card is best for LLCs that want to maximize their rewards during the first year of card ownership. Instead of offering traditional introductory rewards, Discover will match—or double—all the cash-back rewards you earn over the first year. This means you can earn 3% cash back on all spending during the first 12 months. It also offers an introductory 0% APR period for 12 months on purchases. Ongoing APR starts at 15.24%.

Discover it® Business Card Costs

The Discover it® Business Card charges no annual fee and no interest for 12 months on purchases. This introductory APR period is identical to both Chase Ink Business Cash^SM and Chase Ink Business Unlimited^SM.

Financing costs and fees on the Discover it® Business Card include:

• Introductory APR: 0% for 12 months on purchases
• Ongoing APR: 15.24% to 23.24% variable, which adjusts with the prime rate
• Annual fee: None
• Balance transfer fee: 5% of the amount of each transfer

If you’re looking for a card to help with a balance transfer, this is not the best available. It doesn’t offer an introductory 0% APR on balance transfers and charges a high balance transfer fee of 5%. Instead, consider a balance transfer business credit card like the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card offers an introductory 0% APR period for 15 billing cycles on both purchases and balance transfers.

Discover it® Business Card Rewards

The Discover it® Business Card doesn’t offer a traditional introductory reward. Instead, Discover will match all of the rewards you earn over your first year of owning the card. With fixed-rate ongoing rewards of 1.5% cash back, this means you can earn 3% cash back for the first 12 months.

Introductory Rewards

Instead of a typical introductory offer, Discover will match all of the cash-back rewards you earned during your first year. After the first 12 consecutive months, you’ll receive your cash-back match rewards in the following one or two billing periods. No other card on our list has a similar offer.

Ongoing Rewards

You’ll earn 1.5% cash back on all spending. Additionally, you can earn 3% cash back during your first 12 months with Discover’s cash-back match offer. This makes it a strong card for self-employed workers looking to maximize their rewards over the first year. If you want a card that offers better long-term value, consider Capital One® Spark® Cash for Business. That card offers 2% cash back on all spending.

How to Redeem Rewards

You can redeem your Discover cash-back rewards for charitable donations to select charities, as a credit to your account, as an electronic deposit into any account you designate, or for gift cards starting at $20. Discover cash-back rewards never expire. It will credit your account with your cash-back reward balance if your account is closed or has not been used in 18 months.

Discover it® Business Card Additional Features

Unlike most business credit cards, Discover does not offer common insurances, such as purchase protection. Instead, it only offers an account lock feature and a late fee waiver.

The Discover it® Business Card includes the following additional features:

• Account lock: Gives you the ability to freeze your account through the mobile app or website to prevent new purchases.
• Late fee waiver: You’ll have no late payment the first time you pay late, but $37 thereafter.

Compared to the rest of the cards on our list, Discover lacks features like purchase protection and extended warranty protection. The features it offers are unique to Discover. If you want additional card features, including insurance, consider Chase Ink Business Unlimited^SM. That card pays 1.5% cash back and offers a variety of insurance.

What Discover it® Business Card Is Missing

The Discover it® Business Card does not offer an introductory 0% APR period on balance transfers. Plus, it has a high balance transfer fee of 5%. If you need to transfer a balance, consider the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. That card has no interest for 15 billing cycles on purchases and balance transfers.

Discover it® Business Card Reviews

We considered both user reviews and our own editorial review when rating this card. Discover it® Business Card reviews agree this card is lucrative for LLCs with a lot of first-year expenses. However, other cards offer better long-term value.

User Reviews

Discover it® Business Card online reviews are mostly mixed. Although it doesn’t have an upfront introductory offer, cardholders enjoy the cash-back match they receive after their first year. Some users complain that this card’s value drops after the first year compared to other business credit cards.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Editorial reviews for this card agree that this card is a good pick for self-employed workers who want to maximize their rewards over the first year. However, it quickly loses its value. Plus, it doesn’t offer any travel perks or insurances like other cards on our list.

How to Apply for Discover it® Business Card

You can apply for the Discover it® Business Card online. The application only takes a few minutes and you can get approved instantly. Once approved, the card typically takes seven to 10 business days to arrive.

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Capital One® Spark® Classic for Business is best for LLC owners who have fair credit (580 to 669) and want to earn rewards. This card charges no annual fee and pays 1% cash back on all spending. It’s an excellent option for those who want to build both their business and personal credit scores. It has an ongoing variable APR of 25.24%.

Capital One® Spark® Classic for Business Costs

Capital One® Spark® Classic for Business is a business credit card for fair credit that charges no annual fee. You won’t have access to an interest-free financing period, but that’s common on cards for fair credit business owners.

Financing costs and fees on Capital One® Spark® Classic for Business include:

• Introductory APR: None
• Ongoing APR: 25.24% variable, which adjusts with the prime rate
• Annual fee: None
• Balance transfer fee: None

Capital One® Spark® Classic for Business charges the highest ongoing APR on our list, but it’s average for a fair credit business credit card. This is the only LLC credit card on our list that is designed for fair credit LLC owners.

Capital One® Spark® Classic for Business Rewards

Capital One® Spark® Classic for Business does not offer any introductory rewards. However, it pays 1% cash back on all spending. These rewards are common across business credit cards for LLC owners with personal credit scores between 580 and 669.

Introductory Rewards

Capital One® Spark® Classic for Business offers no introductory rewards. Business credit cards for fair credit usually don’t offer any sign-up bonuses. We recommend using this card to build up your business and personal credit to a point where you can qualify for a more favorable card. Most often, the best small business credit cards require a personal credit score of at least 670 to qualify.

Ongoing Rewards

You’ll earn unlimited 1% cash back on all purchases. This is a strong LLC business credit card if you have fair credit but still want to earn some cash-back rewards. If you want to earn rewards and your personal credit score is below 580, consider applying for a secured business credit card. Secured cards have credit limits that are equal to your cash deposit.

How to Redeem Rewards

You can redeem your rewards as a statement credit, as a check, for a recent transaction, for gift cards, or you can set up automatic redemption. If you choose to redeem automatically, you can set a time each calendar year to receive your rewards or when you reach a specific threshold ($25, $50, $100, $200, $500, or $1,500).

Capital One® Spark® Classic for Business Additional Features

According to Capital One’s website, this card offers Visa® Business Benefits, which include extended warranty protection and purchase protection. These perks are similar to most business credit cards.

Capital One® Spark® Classic for Business comes with the following features:

• Extended warranty protection: Extends the time period of the U.S. manufacturer’s warranty by up to one year on eligible warranties of three years or less.
• Purchase protection: Covers your new purchases for 90 days against damage or theft up to $10,000 per claim and $50,000 per account per year.

According to Capital One’s website, you’ll receive Visa® Business Benefits upon approval. Compared to the Capital One® Spark® Cash for Business, these features are similar. However, it’s unlikely fair credit LLC owners can qualify for that card.

What Capital One® Spark® Classic for Business Is Missing

Capital One® Spark® Classic for Business does not have a sign-up bonus and lacks a strong ongoing reward return rate. However, LLC owners applying for this card are typically looking to build credit and not earn the best rewards. The ongoing rewards are just an additional plus.

Capital One® Spark® Classic for Business Reviews

We considered both user reviews and our own editorial review when rating this card. Capital One® Spark® Classic for Business reviews suggest this is a strong card if you’re looking to build your credit.

User Reviews

Online Capital One® Spark® Classic for Business user reviews are mostly positive. Users especially enjoy the ability to earn rewards even if they have a credit score below 670. However, some users complain about that card’s low credit limits. Capital One® Spark® Classic for Business has credit limits that start at $500.

Editorial Reviews

We rate small business credit cards based on their costs, rewards, and benefits. Most reviewers agree that this is one of the best LLC business cards for fair credit. It’s easy to qualify for and charges no annual fee. If you want to receive perks similar to this card, including controlling employee spending, without a credit check, we recommend a prepaid business card.

How to Apply for Capital One® Spark® Cash for Business

You can apply for the Capital One® Spark® Classic for Business online. The application takes minutes and you can get approved instantly. Once approved, the card typically takes seven to 10 business days to arrive.

Apply Now

Pros & Cons of Business Credit Cards for LLC Owners

Business credit cards allow LLC owners and their employees access to affordable short-term financing that can be used for everyday expenses. Several cards offer rewards that can be put back into the LLC in the form of cash or free travel. However, some cards come with costly annual fees.

Pros of Business Credit Cards for LLC Owners

The pros of business credit cards for LLC owners are:

• Rewards for everyday spending: LLC business credit cards may offer ongoing rewards of up to 5% on purchases that you can put back into your business. Rewards can usually be redeemed as cash back or free travel, depending on the card.
• Affordable short-term financing: Business credit cards for LLC owners are an excellent way to bridge short-term working capital needs for a 30-day period. If you pay your card off monthly, you can earn rewards and free up your cash without risking interest charges.
• Funding for very small companies: With an LLC business credit card, even micro businesses have the ability to access financing. This is because the annual revenue requirements are usually low, meaning LLCs with annual revenues less than $100,000 can use business credit cards.

Cons of Business Credit Cards for LLC Owners

The cons of business credit cards for LLC owners are:

• Costly annual fees: A card’s rewards and additional benefits are some of the most common advantages to a business credit card. This is a great way to use a card, as long as you make sure the annual fees don’t offset the rewards you earn.
• Limited access to cash: While LLC business credit cards make access to credit from vendors who accept electronic payments easy, it’s not as easy if you need to use cash. Credit card cash advances are usually expensive and limited to an amount that’s less than your credit limit.
• Potential risk of accruing interest: If you don’t make timely payments on a monthly basis, LLC business credit cards can create a cash trap. You’ll pay interest on any outstanding balances at the end of the month, which adds up quickly. To avoid interest, pay off your balance in full monthly.

Frequently Asked Questions (FAQs) About Business Credit Cards for LLC Owners

We covered a lot of information on the best business credit cards for LLC owners. Some questions are asked more often than others, and we address those here. If you have any additional questions, please visit the Fit Small Business forum or leave a comment below, and we will provide an answer.

The most frequently asked questions about business credit cards for LLC owners are:

How do I get a business credit card for my LLC?

To get a business credit card, you’ll need a personal credit of at least 670. Before you apply, consider the type of rewards you want, if you need interest-free financing, and if you can afford an annual fee. Once you’ve found the right card, you can apply online and typically receive a decision instantly.

How do I qualify for a business credit card?

Most business credit cards require that you have a personal credit score of at least 670. However, it’s not required that you have an Employer Identification Number (EIN). You can apply for a business credit card with your Social Security number. Once know your score, you can apply online and wait for the approval.

How do you build credit for a new LLC?

To build your business credit, you should first get a D-U-N-S number (for Dun & Bradstreet credit report) and provide at least three trade references who can vouch for your timely payments. Other business credit report agencies, like Equifax and Experian, build a credit report on your LLC automatically.

Bottom Line

Business credit cards for LLC owners are an excellent way to access financing and issue employee cards. Additionally, you can earn rewards that you can use to put money back in your business. The best LLC business credit cards usually require you to have a personal credit score of at least 670.

We believe Chase Ink Business Cash^SM is the overall best LLC credit card. You’ll earn $500 after you spend $3,000 within the first three months and up to 5% cash back. Plus, you’ll have an introductory 0% APR period on purchases for 12 months. You can apply online and receive approval instantly.

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