What are the best business credit cards I can get for my new LLC?

One of the best business credit cards you can get for your new LLC is Capital One Spark Classic for Business  *, which offers 1 - 5% cash back on purchases. The Capital One Spark Classic card also has a $0 annual fee, and it accepts applicants with limited credit.

Best Business Credit Cards for a New LLC

How to Choose a Business Credit Card for Your LLC

Check your personal credit score before you apply.

In general, the best credit cards you can get for a new LLC are business cards with low fees, good rewards, and business-specific perks like expense tracking tools. But remember that the cards you qualify for will depend mainly on your personal creditworthiness. If you’re not sure whether your credit is good enough to qualify for a business credit card, you can check your credit score for free here on WalletHub.

Look for cards with large initial bonuses.

If you are planning to make a big business-related purchase soon, consider a business credit card that has a sizable initial bonus offer. Some of the best business credit cards can get you a one-time bonus of up to $2,000 cash back or 200,000 points / miles, and big upcoming purchases could go a long way toward helping you meet the bonus’s spending requirement.

Compare 0% interest promotions.

Business credit cards that offer a 0% intro APR allow business owners to purchase inventory, equipment or anything else with no interest. Just be sure to pay at least the minimum amount due each month and pay off your purchases before the introductory period expires and interest starts accruing.

Shop for rewards that meet your needs.

Rewards are good only if you take advantage of them, so do some research to find the best business credit card for new businesses with rewards that suit your needs. Business credit cards may offer bonus points, miles, or cash back for spending in certain categories, while some could give you a flat rewards rate on everything you buy.

Bear in mind that many business rewards credit cards charge an annual fee, so make sure you’ll earn enough in rewards every year for the card to be worth it.

Weigh the potential benefits of employee credit cards.

If you have employees who make purchases on behalf of your business or who need to pay for travel or other expenses, it would be a good idea to apply for an account that allows you to get free employee cards. It’s a great way to accumulate rewards, as all rewards earned by employees go straight to the business’s account. You can also track company spending and customize credit limits for each employee.

Don’t rule out personal credit cards for business expenses.

While business credit cards can be assets for LLC owners, as they offer more business-focused benefits and rewards, many people use a personal credit card for business purposes. This is also fine, as long as you choose the right card and keep your business and personal expenses separate.

For more options, you can check out our editors’ latest picks for the best credit cards for business and the best credit cards overall.

That depends on your personal credit score, income and debt. The more creditworthy you are personally, the better your business credit card options become. Look at the best business cards overall if you have good/excellent credit. If it’s lower, try something like Cap1 Spark Classic.

A lot of people seem to like Ramp. You need $25k in a biz bank account though.

It depends on your LLC’s spending:  

• Advertising/Shipping: Amex Business Gold (4x).  
• Office supplies: Chase Ink Cash (5%).  
• Flat-rate simplicity: Cap One Spark Cash Plus (2% but mind the $150 AF).  
• No PG: Ramp (if you qualify).  

If you want to keep business and personal credit separate, focus on cards that don’t report to personal bureaus (unless you miss payments). Amex is king here.

I’ve heard good things about Brex/Ramp, but I’ve been a bit hesitant to try them. I got Chase Ink Business Unlimited (1.5% cashback, no annual fee), which I’m pleased with.