For Limited Liability Companies (LLCs) operating in the United States, selecting the right business credit card can provide powerful financial advantages—ranging from optimized cash flow and generous rewards to improved credit profiles and detailed expense tracking. This guide breaks down the top business credit cards for LLCs in 2025, highlighting key features, eligibility criteria, and usage strategies tailored for small-to-medium-sized businesses.
📖 Table of Contents｜Best Business Credit Cards for LLCs in 2025
- Why LLCs Should Use a Business Credit Card
- Top Business Credit Cards for LLCs in 2025
- Card Comparison Table
- How to Choose the Right Card for Your LLC
- Business Credit vs. Personal Credit: What You Need to Know
- Best Practices for LLC Credit Card Use
- Frequently Asked Questions
- Resources for Credit Card Applications and Business Credit Building
Why LLCs Should Use a Business Credit Card
LLCs benefit from business credit cards for several reasons:
- Separate finances: Keeps personal and business expenses clearly divided, which is critical for tax deductions and legal protection.
- Build business credit: Helps establish a credit profile for the LLC, improving financing opportunities.
- Access to capital: Offers flexible spending for operational costs, marketing, and vendor payments.
- Rewards and perks: Cashback, travel points, and employee card controls add operational efficiency.
Top Business Credit Cards for LLCs in 2025
1. American Express Business Platinum Card®
This premium card is ideal for high-spending LLCs looking for luxury travel perks and flexible point redemption.
- Welcome bonus: 150,000 Membership Rewards® points after spending $15,000 in the first 3 months
- 5x points on flights and prepaid hotels via AmexTravel
- Access to Centurion Lounge, Global Entry/PreCheck credits
- $695 annual fee (tax-deductible for businesses)
2. Chase Ink Business Unlimited®
Perfect for LLCs that want straightforward, flat-rate cashback.
- 1.5% unlimited cashback on every purchase
- 0% APR for 12 months on purchases
- No annual fee
- Earn $750 bonus after spending $6,000 in 3 months
3. Chase Ink Business Preferred®
Great for LLCs with high online ad or travel expenses.
- 3x points on first $150,000 in travel, shipping, and advertising
- Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards
- $95 annual fee
4. Capital One Spark Cash Plus
A top choice for LLCs with consistent spending patterns and preference for cashback.
- 2% unlimited cashback on all purchases
- $1,200 welcome bonus after spending $30,000 in the first 3 months
- $150 annual fee
- No preset spending limit (charge card)
5. Bank of America® Business Advantage Unlimited Cash Rewards
Best for LLCs with a banking relationship at Bank of America.
- 1.5% unlimited cashback
- 3% additional cashback through Preferred Rewards for Business
- 0% intro APR for 9 billing cycles
- No annual fee
Card Comparison Table
| Card | Best For | Rewards | Annual Fee | Welcome Bonus |
|---|---|---|---|---|
| Amex Business Platinum | Travel & perks | 5x on travel | $695 | 150,000 points |
| Chase Ink Unlimited | Simplicity | 1.5% cashback | $0 | $750 |
| Chase Ink Preferred | Ads & Travel | 3x on business categories | $95 | 100,000 points |
| Spark Cash Plus | High spenders | 2% cashback | $150 | $1,200 |
| BofA Unlimited Cash | Bank loyalty | 1.5–2.62% cashback | $0 | $300 |
How to Choose the Right Card for Your LLC
When evaluating business credit cards, consider the following:
- Monthly spend: Cards with higher annual fees may be worth it for high-volume spenders.
- Expense types: Match cards with bonus categories to your actual business expenses.
- Redemption goals: Cashback vs. travel points make a big difference in value.
- Employee cards: Consider how many cards you need and whether there are per-card fees.
- APR and balance carrying: If you plan to carry a balance, look for low or 0% APR offers.
Business Credit vs. Personal Credit: What You Need to Know
Most small business cards will require a personal guarantee, meaning your personal credit score will still be evaluated. However, regular business credit card use builds your LLC’s credit profile with business credit bureaus like Dun & Bradstreet and Experian Business.
Over time, strong business credit can help you:
- Get better financing rates
- Lease equipment and office space
- Qualify for higher credit limits
Best Practices for LLC Credit Card Use
To get the most out of your business credit card:
- Always pay on time to protect your personal and business credit
- Separate employee purchases using individual cards with set limits
- Track expenses by category using card issuer dashboards
- Maximize rewards by using the right card for the right purchase
Frequently Asked Questions
Can I apply for a business credit card with a new LLC?
Yes. Most issuers will consider your personal credit and business plans. You may need to provide your EIN or Social Security number, estimated revenue, and nature of business.
Do I need an EIN to apply for a business credit card?
Not always. Sole-member LLCs can apply with a Social Security number, but having an EIN is highly recommended for separation and credibility.
Will using a business card affect my personal credit score?
Only if you default or miss payments. Most issuers don't report business card usage to personal credit bureaus unless there's a serious issue.
Resources for Credit Card Applications and Business Credit Building
- SBA Loans and Credit Resources
- Nav.com – Monitor Business Credit
- D-U-N-S® Number Registration
- NerdWallet’s Best Business Cards List
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