8 Best Business Credit Cards For LLCs

Ramp’s corporate card offers a solid (if unspectacular) 1.5% cash back on every purchase, but this card’s utility for LLCs goes beyond rewards. As this is a corporate card, you won’t need to sign a personal guarantee to get this card, meaning you will not be held personally liable for any debts incurred. What’s more, Ramp doesn’t check your credit when you apply, so there are no credit score requirements. The health of your business is all that matters to Ramp.

Another Ramp plus is that you don’t even need a social security number (SSN) in order to apply. So long as you provide your employer identification number (EIN) when you apply, your application will be considered. You’ll just need to provide a copy of your foreign passport and proof of address in lieu of an SSN.

Beyond spending rewards, Ramp’s key feature is its algorithm-driven savings insights tool that can help your company save money on unnecessary or duplicate expenses, such as multiple DropBox subscriptions within your organization. You’re also likely to get a significantly higher credit limit for your LLC than is offered by most business credit cards.

Just know that Ramp’s corporate card is a charge card, so you must pay your balance in full each month without carrying a balance into the next month.

• 1.5% cash back on all purchases
• Up to $175K in partner rewards from companies like AWS and Slack
• Up to 20X higher credit limits than traditional business credit cards due to Ramp’s precision underwriting
• Capture receipts from anywhere with the Ramp mobile app
• AI savings insights that find duplicative spending and unclaimed rewards
• Automated payment reconciliation
• Unlimited free physical and virtual cards for your employees
• Preapproved daily, monthly, and one-time card spend limits
• Numerous business software integrations

Ramp touts its corporate card as having “no fees of any kind.” As it turns out, it’s true!

• Annual fee: None
• APR: Not applicable
• Foreign transaction fee: None
• Late payment fee: None

Though there are no credit score requirements to meet, Ramp requires that your business fulfill the following conditions in order to qualify:

• Must be a US-registered LLC, corporation, or LP (nonprofits are welcome)
• Have $75,000+ in a US business bank account
• Have most of your operations and corporate spend in the US

Chase’s line of Ink Business credit cards comprises some of the few conventional business credit cards that let an LLC apply with just an EIN — no SSN required. However, you do have to undergo a credit check and sign a personal guarantee.

Now that we’ve covered the technical details, Chase Ink Business Preferred is one of the best business credit cards around — for LLCs and for any other business type. Offering three points per dollar spent on several common business spending categories and a whopping 100,000-point welcome bonus worth $1,000 — $1,250 if you redeem it for travel! — the Ink Business Preferred packs a lot of rewards oomph.

You’ll also get free employee cards, a 25% value bonus when you redeem your points for travel and a host of other business benefits. Putting this card on our list of the best business credit cards for LLCs was a no-brainer.

• 3X points on your first $150,000/year in combined purchases on travel, shipping purchases, internet/cable/phone services, and advertising purchases made with social media sites and search engines
• 5X points on Lyft rides through March 2025 (uncapped)
• Unlimited 1X points on all other purchases
• 100,000 bonus points after you spend $8,000 on purchases in your first three months, worth $1,000 in cash back or $1,250 when redeemed for travel
• Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards
• Transfer your points at full 1:1 value to 13 airline and hotel travel partner programs
• Free employee cards
• Travel & purchase coverage
• The ability to apply without giving an SSN

• Annual fee: $95
• APR as of 8/12/2023: 21.24%–26.24%, variable
• Foreign transaction fee: $0
• Late payment fee: $40

Chase doesn’t publish a minimum credit score to qualify for its Ink Business cards, but we recommend having good to excellent personal credit before applying to have the best chance of success.

The Brex corporate card is tailored toward the needs of venture-backed startups. Your credit won’t be checked when you apply, and you won’t have to sign a personal guarantee to qualify for the card. However, Brex states that it may ask for your social security number during the application process.

Brex offers some of the highest uncapped rewards rates of any business or corporate credit card. To qualify for these rates, you’ll need to make Brex your exclusive company card, however. You’ll also get an expense management platform with bill pay, automated receipts, and real-time expense tracking.

Brex charges nearly no fees, and your LLC won’t need good credit — or any credit — to qualify. It will need to meet some pretty steep funding requirements, though.

• 8X points on rideshare purchases (7X if you make monthly repayments)
• 5X points on travel purchases booked through Brex Travel (4X with monthly repayments)
• 4X points on restaurant purchases (3X with monthly repayments)
• 3X points on software purchases (2X with monthly repayments)
• 1X points on all other spending

Note that if you don’t make Brex your business’s exclusive card, you’ll only earn 1X points on all your purchases.

Here’s what else you’ll get with Brex:

• Credits and discounts with Brex partner companies — over $180,000 in total
• Expense management platform with bill pay
• Automated receipts and reconciliation
• Link to a Brex business account (formerly Brex Cash) that earns a 4.92% yield (according to Brex)
• Free employee cards

• Annual fee: None
• APR: Not applicable
• Foreign transaction fee: None
• Late payment fee: None

Though you won’t have to undergo a credit check or sign a personal guarantee, your LLC will have to meet one (not all) of the following requirements to qualify for daily repayments:

• Received an equity investment of any amount (accelerator, angel, or VC) or plan to in the near future
• Earn $1 million+ a year in revenue
• Have more than 50 employees
• Tech startups that are on a path to meeting the criteria above, and are referred by an existing customer or partner, may be eligible

Qualifying for monthly repayments is even tougher. Startups will have to meet one of the following requirements:

• If you’re part of an accelerator and meet the requirements for a Brex card with daily payments, you’re qualified for monthly payments
• If you’ve received venture funding, you’re qualified for monthly repayments
• If you’ve received a minimum in angel funding of $100,000 and plan to raise capital from an accelerator or VC in the future, you’re qualified for monthly repayments

Startups must also have a $50K+ cash balance to qualify for monthly repayments, “or potentially even lower if you’re referred by certain partners of ours,” according to Brex.

As for mid-market and enterprise businesses, they will need $400K+/month in revenue to qualify for monthly repayments.

Capital One’s Spark Miles is a straightforward travel credit card that will help your LLC earn miles and enjoy travel benefits. It’s not the most extravagant credit card for business travel (see our next selection if that’s what you’re looking for), but if you want to earn miles for your business without paying a triple-digit annual fee, Capital One Spark Miles may be for you.

When you pay for hotels and rental cars with your Spark Miles card, make sure you do it through Capital One Travel so you can earn 5X points.

• Unlimited 5X miles on travel booked through Capital One Travel
• Unlimited 2X miles on all other business purchases
• 50,000 bonus miles after you spend $4,500 in your first three months
• $100 fee credit for Global Entry or TSA PreCheck
• Transfer your miles to any of 15+ travel partner programs
• Get two free visits per year to Capital One’s airport lounge network or its partner lounge network
• $0 fraud liability

• Annual fee: None the first year; $95 thereafter
• APR as of 8/12/2023: 25.99%, variable
• Foreign transaction fee: None
• Late payment fee: Up to $39

Sadly, you’ll need excellent credit to qualify for the Capital One Spark Miles card.

Let’s just get it out of the way: the American Express Business Platinum has a $695 annual fee. Right off the bat, that’s going to deter most small business owners. But if your LLC spends enough on travel to offset the cost and/or you’re seeking the ultimate in travel benefits regardless of the cost, nothing beats Amex Business Platinum.

The 5X points you’ll earn on flights and prepaid hotels booked through Amex Travel, the whopping 120,000-point welcome bonus — these are just the tip of the benefits iceberg. The Business Platinum card’s most prominent feature is that it grants you access to the American Express Global Lounge Collection. Encompassing 1,400+ airport lounges across 140 countries, these exclusive lounges can turn your airport visits into premium experiences.

• 5X points on flights and prepaid hotels booked through Amex Travel
• 1.5X points on certain business purchase categories and on all purchases above $5,000
• 1X points on everything else
• Get 120,000 bonus points after spending $15,000 in your first 3 months
• Access to 1,400+ airport lounges in 140 countries through the Amex Global Lounge Collection
• $200 airline fee credit annually
• $189 CLEAR membership credit
• Get 35% of your points back when you use them to book travel through Amex Travel

• Annual fee: $695
• APR as of 8/12/2023: 19.24%–27.24% variable
• Foreign transaction fee: None
• Late payment fee: $39 or 2.99% of any past due amount — whichever is greater

Amex doesn’t market a minimum credit score for this card, but we recommend having good to excellent credit before applying.

If you’re looking to carry a significant balance on your LLC credit card and/or if you want to transfer a balance from another card, check out the U.S. Bank Triple Cash Rewards Visa Business card. With a 15-month intro 0% APR that applies to both purchases and balance transfers, this card can save your LLC some serious money. Just be sure to transfer any balance within 30 days of getting your card.

Other highlights of this card include a 3% cash-back rate on select business purchases and a $500 welcome bonus. What’s more, there’s no annual fee.

• Unlimited 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
• Unlimited 5% cash back on prepaid hotels and rental cars booked through U.S. Bank’s travel portal
• 1% cash back on all other purchases
• $500 welcome bonus after you spend $4,500 in your first 150 days
• $100 annual statement credit for software service purchases
• Divide eligible purchases into equal monthly payments with no interest (just a fixed monthly fee) when you qualify for an ExtendPay plan
• Free employee cards

• Annual fee: None
• APR as of 8/12/2023: 0% for 15 months, 19.24%–28.24% variable thereafter
• Foreign transaction fee: 3%
• Late payment fee: $40

Just be aware that balance transfers carry a 3% fee (with a $5 minimum), so even in the first 15 months, they aren’t completely free.

U.S. Bank doesn’t advertise a minimum credit score for this card, but we recommend that you have good to excellent personal credit before applying.

With an unlimited 1.5% cash back on every purchase, a $750 welcome bonus, no annual fee, and an intro 0% APR on purchases for 12 months, Chase Ink Business Unlimited is practical while packing a rewards punch. Simply put, it’s one of the best all-around business credit cards around and is an excellent choice for the LLC with diffuse spending that isn’t limited to a few select purchase categories.

• Unlimited 1.5% cash back on all purchases
• Unlimited 5% cash back on Lyft rides until March 2025
• $750 welcome bonus when you spend $6,000 in your first three months
• Free employee cards
• Travel & purchase coverage

• Annual fee: None
• APR as of 8/12/2023: 0% for 12 months, 18.49%–24.49% variable thereafter
• Foreign transaction fee: 3%
• Late payment fee: $40

Chase doesn’t publish a minimum credit score to qualify for its Ink Business cards, but we recommend having good to excellent personal credit before applying.

Capital One’s Spark Classic card may not offer the highest cash-back rate, but if you have fair credit and still want the best business credit card for your LLC, this card fits the bill. With responsible card use, you can build your credit to the point where you may qualify for a more lucrative credit card in the future.

Just be warned that this card has a very high APR and no introductory APR period. Avoid carrying a balance month-to-month if at all possible.

• Unlimited 1% cash back on all purchases
• Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Free employee cards with spending limits
• $0 fraud liability
• Roadside assistance

• Annual fee: None
• APR as of 8/12/2023: 30.49%, variable
• Foreign transaction fee: None
• Late payment fee: Up to $39

You’ll need just fair credit to qualify for the Capital One Spark Classic. Thankfully, you won’t have to put down a security deposit.