Yes, you can get a credit card for an LLC. As long as you’re an officer or authorized representative of the LLC, you can apply for a business credit card for an LLC the same way you would for a partnership, corporation, or sole proprietorship.
Tips for Getting a Credit Card for an LLC
Work on your personal credit to improve your approval odds.
You must provide your Social Security number and agree to a credit check to apply for most business credit cards, because they usually require a personal guarantee. This means you agree to pay any balance your business is unable to pay back. As a result, improving your personal credit will help you qualify for a better credit card for your LLC.
Choose the right business credit card for your spending preferences.
If you travel frequently or spend a lot on office supplies, for example, seek out a card that gives bonus rewards for purchases in those categories. In addition, determine how much you’ll likely spend on the card and decide if applying for a business credit card that charges an annual fee would be worth it. The more you plan to spend, the more it makes sense to pay for better rewards.
A business checking account at your bank could work in your favor.
As your business grows, an established relationship with a bank will be helpful when seeking additional credit. Just be sure your current account(s) are in good standing when you inquire.
An LLC owner may use a personal credit card for business purposes.
There’s no rule against using a personal credit card for business purchases, though you’ll need to keep your business and personal expenses on separate accounts.
To get a better idea of the credit card choices available to LLCs, check out our editors’ picks for the best business credit cards as well as the best credit cards overall. You can also check your credit score for free on WalletHub to see which cards you’re likely to qualify for.
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