7 Best Business Credit Cards for LLCs [2026] (original) (raw)

If you've decided to set up your business as an LLC, you've made it a priority to keep your business and personal expenses separate. Getting a business credit card is an important part of this.

The right business credit card can help you earn valuable rewards, save money, and even build credit for your business. And because almost any business can be an LLC, there's a wide range of LLC-friendly credit cards out there.

Explore many of the best business credit cards for LLCs here, and learn what makes these cards better than most for businesses with this structure.

What's the best credit card for an LLC owner?

As a small business owner, the credit card you choose should meet your needs and goals. When deciding on the best business credit card for an LLC, you need to consider how you're likely to use a card and the types of things you spend on.

Some common considerations when choosing a business credit card include things like how often you travel, what types of goods and services you normally buy, and whether the cards you're considering come with an annual fee.

An annual fee doesn't need to be a deal-breaker, though. In some cases, an annual fee might be worth the cost, especially if you know you'll use the card enough that the rewards will outweigh the cost. Or you may want to check out the best 0% intro APR business credit cards if you're planning to make some large purchases.

Compare the best credit cards for LLC owners

Card	Rewards rate	Annual fee
Ink Business Unlimited® Credit Card (Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Unlimited 1.5% cash back on every purchase	$0
Ink Business Cash® Credit Card (Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	5% cash back on the first 25,000spentincombinedpurchasesatofficesupplystoresandoninternet,cableandphoneserviceseachaccountanniversaryyear;225,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year; 2% cash back on the first 25,000spentincombinedpurchasesatofficesupplystoresandoninternet,cableandphoneserviceseachaccountanniversaryyear;225,000 spent in combined purchases at gas stations and restaurants each account anniversary year; and 1% cash back on all other purchases	$0
Ink Business Preferred® Credit Card (Rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	3X points on the first 150,000spentincombinedpurchasesontravel,shippingpurchases,Internet,cableandphoneservices,advertisingpurchasesmadewithsocialmediasitesandsearchengineseachaccountanniversaryyear;and1Xpointsper150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year; and 1X points per 150,000spentincombinedpurchasesontravel,shippingpurchases,Internet,cableandphoneservices,advertisingpurchasesmadewithsocialmediasitesandsearchengineseachaccountanniversaryyear;and1Xpointsper1 on all other purchases	$95
The Business Platinum Card® from American Express 4.7 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	5X points on flights and prepaid hotels on AmexTravel.com; 2X points on purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of 5,000ormore(upto5,000 or more (up to 5,000ormore(upto2 million per year, then 1X), and 1X points per 1spentonallothereligiblepurchases(purchaseseligibleformultipleadditionalpointbonuseswillonlyreceivethehighesteligiblebonus)∣1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus)	1spentonallothereligiblepurchases(purchaseseligibleformultipleadditionalpointbonuseswillonlyreceivethehighesteligiblebonus)∣895
U.S. Bank Triple Cash Rewards Visa® Business Card (See rates and fees) 4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	5% cash back on prepaid hotels and car rentals booked directly in the Travel Center; 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of 200orless),officesupplystores,cellphoneserviceproviders,andrestaurants;and1200 or less), office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases	200orless),officesupplystores,cellphoneserviceproviders,andrestaurants;and10
Capital One Venture Business 4.9 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel, unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account	$95
Capital One Spark Cash Plus 4.4 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.	Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel	$150

Ink Business Unlimited® Credit Card

Pros

• Welcome bonus: Earn 750bonuscashbackafteryouspend750 bonus cash back after you spend 750bonuscashbackafteryouspend6,000 on purchases in the first 3 months from account opening
• $0 annual fee
• Introductory purchase APR offer of 0% for 12 months then (16.74% - 24.74% Variable)

Cons

• 3% of each transaction in U.S. dollars foreign transaction fee

This Ink Business Unlimited® Credit Card is best for someone who doesn't want to keep track of different spending categories. It could also be a good fit for someone who wants another card that earns Chase Ultimate Rewards.

Why we like it: You can redeem your cash back through Chase Travel for travel rewards. This card also offers primary rental car insurance and free cards for employees.

What we don't like: This card may not provide enough value if your spending fits into a bonus category on a higher-earning card.

Other benefits include:

Simple cashback: Earn unlimited 1.5% cash back on every purchase.

Intro purchase APR: The 0% for 12 months then (16.74% - 24.74% Variable) could come in handy for larger business expenses.

Apply now or find out more in our full Ink Business Unlimited review.

Ink Business Cash® Credit Card

Pros

• Generous rewards
• Welcome bonus

The Ink Business Cash card is ideal for the small business owner who wants generous cash back in categories they spend the most in, but who might not make big purchases very often. With a $0 annual fee and a 0% intro APR on purchases for 12 months (then 16.74% - 24.74% Variable), this card can be a good start for business owners who need a little more flexibility or who might be getting started.

This Chase business credit card features tiered cashback rewards in categories that you're likely to use for business.

Why we like it: There is a 0annualfeewiththeInkBusinessCashcardandrewardsarestraightforward.Youcanalsoearn0 annual fee with the Ink Business Cash card and rewards are straightforward. You can also earn 0annualfeewiththeInkBusinessCashcardandrewardsarestraightforward.Youcanalsoearn750 when you spend $6,000 on purchases in the first three months after account opening. Employee cards have no additional cost, and you can set individual spending limits as well as earn cash back faster through purchases made on employee cards.

This card also offers 5% total cash back on qualifying Lyft rides (through September 2027), which is great if your business requires regular travel or urban commutes.

What we don't like: This card has spending caps on cash back, which could limit your earnings.

Other benefits include:

Generous rewards in certain categories: With this card, you'll receive 5% cash back on the first 25,000spentincombinedpurchasesatofficesupplystoresandoninternet,cableandphoneserviceseachaccountanniversaryyear.The225,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. The 2% cash back tier applies to purchases at the first 25,000spentincombinedpurchasesatofficesupplystoresandoninternet,cableandphoneserviceseachaccountanniversaryyear.The225,000 spent in combined purchases at gas stations and restaurants each account anniversary year. You also earn 1% cash back on all other purchases.

Welcome bonus: You can also earn 750whenyouspend750 when you spend 750whenyouspend6,000 on purchases in the first three months after account opening.

Apply now or for more info, check out our Ink Business Cash review.

Perspectives

Chris Lewis, CEPF

Associate Director of Digital PR

Chris is the Associate Director of Digital PR for FinanceBuzz.

WHY I LIKE THIS CARD

The Ink Cash is among my most-used cards for business spend. The bonus categories cover phone, internet, and office supplies for my side hustle, and because I have other cards in the Chase ecosystem, the points are flexible and can go even further toward travel. It also earns great rates at restaurants and gas stations, so it covers the majority of my business's spend in just one card. And with a $0 annual fee, it's a no-brainer for me to carry in my wallet long-term.

Ink Business Preferred® Credit Card

Pros

• Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening with the generous welcome offer
• Flexible redemption options

Cons

• Has a $95 annual fee

The Ink Business Preferred card works well for LLC owners who frequently buy social media and search engine advertising, as well as those who have internet and phone needs. Plus, cardholders can get employee cards at no additional cost. Spending on those cards also earns rewards, allowing you to accumulate points faster. This is also a good card if you're looking to redeem your points for travel.

With this card, you can earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Why we like it: We like the Ink Business Preferred card because of its welcome bonus (you can earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening) and generous rewards in useful categories. Employee cards are free, and employee purchases earn rewards.

What we don't like: We don't love that there is a spending cap on rewards and that it doesn't offer an introductory APR on purchases and balance transfers.

Other benefits include:

Generous rewards: The Ink Business Preferred card offers 3X points on first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. On top of that, you won't have to worry about foreign transaction fees.

Flexible redemption options: When you go to redeem travel rewards, you could get more in redemption through the Chase Travel portal.

Check out our Ink Business Preferred review.

The Business Platinum Card® from American Express

Pros

• Lots of potential credits (enrollment may be required for certain benefits)
• Welcome offer

Cons

• Has a $895 annual fee

If you travel a lot for business and you know you'll make large purchases, the Business Platinum Card from American Express is a good option. Even with the $895 annual fee, this is one of the best credit cards for LLCs because of its premium perks.

The Business Platinum Card from American Express is ideal for business owners who know they'll make large purchases and can benefit from the bonus points. On top of that, perks like Gold status with Marriott and Hilton, and access to the American Express Global Lounge Collection also make this card worthwhile. Certain benefits require enrollment, but the enrollment process is generally simple. However, you do need to be a high-spending business owner who travels frequently or able to make use of the annual credits to make this card worth the annual fee.

Why we like it: Business purchases can also see heightened rewards. For example, if you make an eligible purchase of 5,000ormore,youcanearn2XMembershipRewardspoints(upto5,000 or more, you can earn 2X Membership Rewards points (up to 5,000ormore,youcanearn2XMembershipRewardspoints(upto2 million per year, then 1X). Additionally, redeeming for eligible flights results in getting 35% points back (up to 1,000,000 points back per calendar year).

There's also a very potentially generous welcome offer with this card. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership (welcome offers vary and you may not be eligible for an offer; apply and find out your offer)

What we don't like: The $895 annual fee and the relatively high bonus spending requirement.

Other benefits include:

Generous points: You'll earn 5X points on flights and prepaid hotels on AmexTravel.com; 2X points on purchases at U.S. suppliers of construction materials and hardware, U.S. retailers of electronic goods, U.S. providers of shipping, software and cloud systems, and on each eligible purchase of 5,000ormore(upto5,000 or more (up to 5,000ormore(upto2 million per year, then 1X), and 1X points per $1 spent on all other eligible purchases (purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus)

Credits: There is an up to 200airlinefeecreditandafeecreditforTSAPreCheckorGlobalEntry.Youcanalsoreceiveupto200 airline fee credit and a fee credit for TSA PreCheck or Global Entry. You can also receive up to 200airlinefeecreditandafeecreditforTSAPreCheckorGlobalEntry.Youcanalsoreceiveupto150 in statement credits on U.S. purchases directly with Dell (and an additional 1,000statementcreditafteryouspend1,000 statement credit after you spend 1,000statementcreditafteryouspend5,000 or more on that same card per calendar year), up to 360inannualIndeedcredit,upto360 in annual Indeed credit, up to 360inannualIndeedcredit,upto300 in statement credits per calendar year on U.S. purchases of ChatGPT Business (subject to auto-renewal), a 250statementcreditafteryouspend250 statement credit after you spend 250statementcreditafteryouspend600 or more on U.S. purchases directly with Adobe per calendar year, and up to $120 in annual wireless telephone services credit. (Note that select benefits require enrollment.)

Apply now or for more info, check out our Amex Business Platinum Card review.

Perspectives

Ben Walker, CEPF, CFEI®

Writer and credit card enthusiast

Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

WHY I LIKE THIS CARD

The Amex Business Platinum has loads of perks and benefits that many business owners can use. I personally like having the airport lounge benefits for when I travel, especially the complimentary access to The Centurion Lounge and Delta Sky Club lounges. It's also been great to use the CLEAR+ statement credit each calendar year to help reduce my time standing in airport lines.

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

Pros

• Introductory APR
• Welcome offer

Cons

• 3% foreign transaction fee

The U.S. Bank Business Triple Cash Rewards makes sense if your business spending aligns with its earning categories and you want a $0 annual fee. This card is also an ideal fit if you want to take advantage of an intro APR offer to save on interest.

Why we like it: With a 0annualfee,theU.S.BankBusinessTripleCashRewardsprovidesplentyofbenefits.Itoffers50 annual fee, the U.S. Bank Business Triple Cash Rewards provides plenty of benefits. It offers 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center; 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of 0annualfee,theU.S.BankBusinessTripleCashRewardsprovidesplentyofbenefits.Itoffers5200 or less), office supply stores, cell phone service providers, and restaurants; and 1% cash back on all other eligible purchases.

What we don't like: The 3% foreign transaction fee.

Other benefits include:

Introductory APR: 0% intro APR on purchases for 12 billing cycles, and then 17.24% - 26.24% Variable.

Welcome offer: Earn 750incashbackafterspending750 in cash back after spending 750incashbackafterspending6,000 on the account owner's card in the first 180 days of opening your account.

Apply now | Check out our U.S. Bank Business Triple Cash Rewards review.

Capital One Venture Business

Pros

• Statement credit for Global Entry or TSA PreCheck
• Welcome offer

If you're a big spender looking for a generous welcome offer, the Capital One Venture Business might be a good choice for your LLC. This card comes with an annual fee of $95. If you know you'll be making some big purchases and ramping up spending in the coming months, this can be a good choice that lets you earn big rewards.

Why we like it: This card also has a few perks that an LLC owner might find attractive, including earning 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel, as well as a statement credit for Global Entry or TSA PreCheck.

Plus, it's possible to transfer your miles to more than 15 of Capital One's travel partners. There are free employee cards and no foreign transaction fees. You can also download your transactions to Quickbooks, Quicken, or Excel, making it easy for accounting and taxes.

In addition to being a great rewards card, the Capital One Venture Business can also be a good ongoing card for frequent travelers who are willing to book through Capital One Business Travel.

What we don't like: There's no intro APR on purchases or balance transfers.

Other benefits include:

Reward points: With this card, you earn unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel, unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account.

Welcome bonus: You can earn up to 150,000 bonus miles—75,000 miles once you spend 7,500inthefirst3months,andanadditional75,000milesonceyouspend7,500 in the first 3 months, and an additional 75,000 miles once you spend 7,500inthefirst3months,andanadditional75,000milesonceyouspend30,000 in the first 6 months (limited-time offer).

For more info, check out our Capital One Venture Business review.

Capital One Spark Cash Plus

Pros

• Unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel
• Generous welcome offer

The Capital One Spark Cash Plus is a good option for high-spend businesses because it offers a flat rewards rate on all eligible spending and you can get the 150annualfeerefundedeveryyearyouspendatleast150 annual fee refunded every year you spend at least 150annualfeerefundedeveryyearyouspendatleast150,000.

Why we like it: This card offers a generous welcome bonus and a simple cashback structure.

What we don't like: There is a high spend requirement to earn the welcome offer

Other benefits include:

Welcome bonus: You can earn a one-time cash bonus of 2,000onceyouspend2,000 once you spend 2,000onceyouspend30,000 in the first 3 months.

Cash back with no categories: Earn unlimited 2% cash back on every purchase, every day; plus unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.

Find out more in our full Spark Cash Plus review.

Another option to consider

How to choose the best credit card for an LLC owner

Consider these factors to help choose the best credit card for your LLC business.

Business requirements

You need to have a legitimate business to apply for a business credit card. Fortunately, if you're an LLC owner, you can apply for a business card.

Credit requirements

Many business credit card applications require a credit check into your personal credit history. And it's often the case that you need at least a good credit score to qualify for the best business cards.

Earning potential

Many credit cards offer rewards in the form of cash back, points, or miles. If you want to use rewards for travel redemptions, consider a card that earns points or miles. If you simply want a way to help offset your everyday costs, consider a cash back credit card.

Perks and benefits

Depending on your needs, you might look for certain benefits on business credit cards. That could include expense management tools, free employee cards, or not having to pay foreign transaction fees on applicable purchases.

Be sure to carefully review card benefits as you compare different business cards.

Membership fees

Some business credit cards charge an annual fee to cardholders. In many cases, cards with annual fees have a wider variety of perks and benefits.

But keep in mind that no-annual-fee cards can still provide lots of value. It's worth taking the time to compare all cards, whether they have an annual fee or not, so you can find your ideal business card.

7 benefits of a business credit card

1. Increase your cash flow: Stay on top of purchasing inventory and supplies even if you don't have much cash on hand.
2. Earn credit card rewards: Earn points, miles, or cash back on all your business purchases. Then use your rewards to discount upcoming expenses such as flights or hotel stays.
3. Get access to higher credit lines: Business credit cards often have higher credit limits compared to personal credit cards. This can come in handy for making large business purchases. And some cards have intro purchase APRs for a number of months after account opening, so you should plan your spending accordingly.
4. Separate your personal and business expenses: Putting all your business expenses on a business credit card could make things easier during tax season and for general record-keeping.
5. Receive business perks and benefits: Many business credit cards offer business-related perks such as increased rewards on common business expenses and credits toward business services.
6. Simplify employee spending: Set spending limits and monitor employee purchases if you give your employees their own credit cards.
7. Build your business credit score: Similar to using a personal credit card to build your personal credit score, using a business credit card could help build your business credit score. This could open up more opportunities to get credit products with better terms.

4 steps to apply for a business credit card

1. Check your personal credit score: Lenders look at your personal credit report to determine your creditworthiness for a business credit card. Check your credit score so you know which business credit cards you're more likely to be approved for. It's best to check with all three credit bureaus.
2. Research different business credit cards: With your credit score in mind, research and compare different business credit cards. Consider which benefits and rewards might align best with your business. For example, it could make sense to apply for a card that offers increased rewards on shipping purchases if that's one of your top business expenses. You should also consider whether you want a traditional card with a line of credit or a charge card.
3. Gather required information: Business credit card applications typically require both personal and business information. This often includes your name, date of birth, address, and Social Security number (SSN) You also need to include your business structure (corporation, LLC, sole proprietorship, etc.), annual business revenue, and your tax ID type. Your tax ID could include an employer identification number (EIN), individual tax ID number (ITIN), or SSN.
4. Fill out and submit the application: Completely fill out the credit card application and submit it. It's common to receive an immediate response about your application, but you also might have to wait 7 to 10 business days for more information.

FAQs

Can I get a business credit card with an LLC?

Most business card applications require you to have a legitimate business, which could include an LLC, sole proprietorship, or another type of business. You don't need to have a large number of employees or a certain amount of income for most cards. However, some cards require you to have at least a good personal credit score to be approved.

Do I need a business credit card for an LLC?

You don't need a business credit card if you run any sort of business, but it could provide you with multiple benefits. That could include being able to separate your personal and business expenses, as well as provide cards for your employees to use. With certain business cards, you could earn valuable rewards on all your eligible business expenses.

What's the easiest business credit card to get?

These are some of the easiest business credit cards to get:

• Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card
• Spark Classic
• First National Bank of Omaha Business Edition® Secured Mastercard® Credit Card
• Brex Credit Card
• Ramp Card

Advice from our experts

Opening an LLC That's why we asked a panel of experts to weigh in on the business card application process and potential tax benefits.

Are there any tax-related benefits to putting your expenses on a business credit card?

Since business expenses are tax deductible, it is easier to separate those expenses for tax purposes by not co-mingling expenses. Use the business credit cards for business transactions only and your credit cards for personal expenses. Even though the interest that you paid for the business credit cards is tax deductible, it is NOT advisable for you to depend on credit cards to finance your entire business. The interest rate for credit cards is a lot higher than for business loans. If you decide to use credit cards for your business, make sure you have enough cash flow every month to pay off the balance. Otherwise, your business might not survive the ballooning accumulated interest.

There are a number of advantages. Ideally, you are getting a credit card that gives you business perks (cash back, points, rental car insurance, airport clubs, etc). These cards come with a fee that you can charge off as a business expense. In addition, you have receipts and long term record keeping for your accountant at tax time. And, finally, you are getting interest-free loans for 30 days (assuming you pay off the balance each month, which you should).

There are a number of tax-related benefits to using a business credit card. Most of the charges to a business card are tax-deductible (i.e., office supplies, travel expenses, etc.). Charging these expenses to your business credit card allows you to use your statement to assist with your record-keeping related to tax-deductible items. You can also use rewards and benefits from your business credit card to offset taxable income tax-free.

Other than record-keeping clarity, there is no tax advantage in using a business credit card. It might be a small indication that the expenses are not personal in nature. To get a deduction, one needs a proper business purpose and a legal obligation.

Business credit cards help keep personal and business expenses separate. This can help streamline the tracking and documentation for tax filing and reduce the risk of mingling personal and deductible business expenses. However, business owners should still document bona-fide business purpose behind each expense, which can be helpful in substantiating claims during an audit. Additionally, if the business credit card is used for business purposes, the interest paid on the card, as well as any fees associated with it like annual fees, could be deductible as business expenses.

When should you open a business credit card rather than applying for a small business loan?

There could be different variables that would need to be considered, and in particular the terms of the loan (duration and interest rate). But generally speaking, your business credit card should be used only where you are able to pay your statement balance in full every month. Failure to do so leads to the imposition of extraordinarily high interest. If your business needs funds that will exceed your ability to pay the monthly balance if put on a credit card, then you are probably better off with a loan that can be paid back at a fixed interest rate over the life of the loan, likely at much lower interest rates than a credit card issuer would charge.

The best way to approach this is to consider a business credit card if you need short-term financing to cover smaller, ongoing expenses, as it provides flexibility and immediate access to funds. Additionally, credit cards often come with rewards and perks on purchases. However, if your business requires intermediate or long-term capital for an investment or significant opportunity, a business loan would likely be a better option due to its more favorable interest rates and structured repayment terms.

It depends on several factors:

• Short-term financing needs: If you need to cover short-term expenses or manage cash flow, a business credit card can provide quick access to funds without the lengthy approval process of a loan.
• Smaller purchases: Business credit cards are ideal for smaller, recurring expenses, such as office supplies, travel, and utilities. For larger investments or long-term capital needs, a loan might be more appropriate.
• Rewards and perks: If you want to earn rewards, cashback, or travel points on your business expenses, a business credit card can offer significant value that a loan cannot provide.
• Flexibility: Business credit cards offer more flexibility in repayment, as you can pay off your balance over time (though interest will accrue). Loans typically have fixed monthly payments and terms, making them more suitable for larger, planned expenditures.

In summary, a business credit card is generally a better choice for managing ongoing expenses and short-term financing, while a small business loan may be more appropriate for significant, long-term investments.

Usually that depends on the amount you need to borrow. Most business cards have higher interest rates and you may lose some legal protections, such as protection from sudden interest rate hikes. Many have hefty fees, so shop around for a no-fee card.

If you're a sole proprietor, you can also think about getting a personal card that you use solely for business purposes. Doing so would give you the same record-keeping advantages.

You also don't have any origination or documentation fee. Let's say you were to borrow that same $10,000. The average business loan interest rate right now is at best 8%. You also have an origination fee that either comes out of your pocket or is bundled into the loan. Every situation is different, so you need to do the math on each one.

Methodology

We chose these cards with LLC owners' needs in mind. Some of these cards include luxury perks, and others focus on travel rewards or cash back. In addition to rewards, we also considered credit situation and the possibility that a business owner might be capital-rich and credit poor. We also included a variety of credit card issuers. The idea with these cards is to provide a variety of options that cater to the different needs of small business owners.

Bottom line

Choosing a small business credit card for your LLC can be a big decision. The right credit card should help you reach your goals and fit with your financial situation. It can also help your business build credit, which can be valuable down the road.

Make sure you carefully consider your options and that you're responsible with your credit card use. When possible, pay off your card as quickly as possible to reduce your interest expenses. As long as you choose credit cards that work with your situation and business needs, they should be able to help you achieve success.

• Solid rewards on office supply, telecom spending, gas, and dining

• Generous welcome offer

• Intro APR on purchases

• $0 annual fee

• Valuable purchase and travel protections

• Apply Now

• Earn 750whenyouspend750 when you spend 750whenyouspend6,000 on purchases in the first three months after 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 on dining and gas each account anniversary year. Earn 1% cash back on all other purchases

• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.

• No Annual Fee

• Complimentary three-month lnstacart+ membership.

• 0% introductory APR for 12 months on purchases

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

• Member FDIC

4.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Apply Now

on Chase's secure website

Read Card Review

Intro Offer

Earn 750whenyouspend750 when you spend 750whenyouspend6,000 on purchases in the first three months after account opening