Business Credit Cards for LLC in 2022

This article addresses the best business credit cards for LLC to run your business efficiently. We also provide a buyer’s guide which details the appropriate steps for finding a suitable business credit card.

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1. American Express Business Platinum Card

The American Express Business Platinum Card is the best credit card if you’re a frequent flyer. You earn great rewards just by traveling. You can also redeem points via airline loyalty programs. Full Review

  • High travel rewards
  • High welcome bonus
  • No foreign transaction fee
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The American Express Business Platinum Card is the best credit card if you’re a frequent flyer. You earn great rewards just by traveling. You can also redeem points via airline loyalty programs. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

3/5

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

The US Bank Triple Cash Rewards Business Card offers excellent rewards for your small business, thanks to its high rewards, zero annual fee, and intro APR offering. Full Review

  • 0% intro APR
  • No annual fee
  • High rewards on expenses
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The US Bank Triple Cash Rewards Business Card offers excellent rewards for your small business, thanks to its high rewards, zero annual fee, and intro APR offering. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

5/5

3. American Express Blue Business Cash Card

AmEx’s Blue Business is great if you want a highly rewarding business card with a simple rewards structure. It charges no annual fee and offers a year-long intro APR. Full Review

  • 2% cashback
  • Adjustable credit limit
  • 0% annual fee
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AmEx’s Blue Business is great if you want a highly rewarding business card with a simple rewards structure. It charges no annual fee and offers a year-long intro APR. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

4. American Express Blue Business Plus

The Blue Business Plus card offers a competitive flat-rate reward that gives you double points for eligible purchases. Additionally, the card is easy to acquire and charges no annual fee. Full Review

  • No annual fee
  • Quick approval
  • Easy flat-rate rewards
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The Blue Business Plus card offers a competitive flat-rate reward that gives you double points for eligible purchases. Additionally, the card is easy to acquire and charges no annual fee. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

5/5

Fees

4/5

5. Discover it® Business Card

The Discover it® Business card is perfect for small business owners who don’t like tracking specific business expenses. It offers 1.5% cashback rewards on all purchases and charges no annual fee or foreign transaction fees. Full Review

  • No annual fee
  • Excellent customer support
  • Simple reward structure
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The Discover it® Business card is perfect for small business owners who don’t like tracking specific business expenses. It offers 1.5% cashback rewards on all purchases and charges no annual fee or foreign transaction fees. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

5/5

6. Capital One Spark Classic for Business

Capital One Spark Classic is an excellent card for small business owners with fair to average credit scores. It provides 1% cashback on all purchases and charges no annual fee or foreign transaction fees. Full Review

  • Average credit score accepted
  • 1% cashback for all purchases
  • No foreign transaction fees
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Capital One Spark Classic is an excellent card for small business owners with fair to average credit scores. It provides 1% cashback on all purchases and charges no annual fee or foreign transaction fees. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

5/5

Fees

4/5

7. Chase Ink Business Cash Credit Card

Chase Ink Business Cash is a perfect business card if your office supplies and utility expenses are high. You earn 5% cashback on those categories, plus a chance to earn a $750 welcome bonus. Full Review

  • 5% cashback on office supplies and utilities
  • 2% on restaurants and gas
  • No annual fee
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Chase Ink Business Cash is a perfect business card if your office supplies and utility expenses are high. You earn 5% cashback on those categories, plus a chance to earn a $750 welcome bonus. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

8. Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred is outstanding if you want a great ongoing reward and a generous welcome bonus. You gain 3 rewards points for every dollar on your first $150,000 worth of purchases. Full Review

  • Higher ongoing rewards points
  • Generous welcome bonus
  • Gift cards, travel points, and perks
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Chase Ink Business Preferred is outstanding if you want a great ongoing reward and a generous welcome bonus. You gain 3 rewards points for every dollar on your first $150,000 worth of purchases. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

9. Bank of America Business Advantage Travel Rewards World Mastercard Credit Card

BoA’s Business Advantage Travel Rewards World MasterCard offers great rewards points for travel-related expenses. It also charges no annual fee and 0% intro APR for nine months. Full Review

  • Travel rewards
  • No annual fee
  • Fast redemption process
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BoA’s Business Advantage Travel Rewards World MasterCard offers great rewards points for travel-related expenses. It also charges no annual fee and 0% intro APR for nine months. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

10. Capital One Spark Miles for Business

Capital One Spark Miles offers excellent rewards if you're a frequent flyer—you earn two miles per dollar on your purchases, and you can transfer them to Capital One’s partner travel agencies. Full Review

  • Two miles per dollar on all purchases
  • Transfer points to travel partners
  • Fraud monitoring
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Capital One Spark Miles offers excellent rewards if you're a frequent flyer—you earn two miles per dollar on your purchases, and you can transfer them to Capital One’s partner travel agencies. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

3/5

11. Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business AmEx Card is perfect if you’re a loyal customer of Marriott Bonvoy hotels. You earn high rewards points at participating hotels, plus a free night on your card’s anniversary. Full Review

  • Free night on card anniversary
  • High rewards points
  • Card’s Elite status
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The Marriott Bonvoy Business AmEx Card is perfect if you’re a loyal customer of Marriott Bonvoy hotels. You earn high rewards points at participating hotels, plus a free night on your card’s anniversary. Full Review

Rewards

4/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

12. Delta SkyMiles Reserve Business American Express Card

The Delta SkyMiles Reserve Business AmEx card offers the perfect rewards if you’re a loyal Delta Airlines customer. You earn 3 miles on every dollar spent on Delta purchases. You also receive Status Boost, which grants Medallion Qualification Points. You also earn a Centurion Lounge membership. Full Review

  • Luxury travel rewards
  • Centurion Lounge access
  • Status boost feature
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The Delta SkyMiles Reserve Business AmEx card offers the perfect rewards if you’re a loyal Delta Airlines customer. You earn 3 miles on every dollar spent on Delta purchases. You also receive Status Boost, which grants Medallion Qualification Points. You also earn a Centurion Lounge membership. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

3/5

13. Brex Card

Brex card offers a perfect way to expand your buying power if you have a limited payment history and credit score. It provides a daily or monthly balance from which you can earn nice perks and rewards. Full Review

  • Accepts fair credit score
  • Easy to sign up
  • No traditional card fees
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Brex card offers a perfect way to expand your buying power if you have a limited payment history and credit score. It provides a daily or monthly balance from which you can earn nice perks and rewards. Full Review

Rewards

4/5

Requirements

5/5

Ease of Sign-up

4/5

Fees

5/5

14. CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card

The CitiBusiness/AAdvantage Platinum Select card offers incredible travel miles for every dollar on your American Airlines purchases. You also earn generous perks and bonus rewards. Full Review

  • High travel rewards
  • High welcome bonus
  • Free first checked bag
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The CitiBusiness/AAdvantage Platinum Select card offers incredible travel miles for every dollar on your American Airlines purchases. You also earn generous perks and bonus rewards. Full Review

Rewards

5/5

Requirements

3/5

Ease of Sign-up

4/5

Fees

4/5

15. Lowe’s Business Rewards Card

Lowe’s Business Rewards offer fantastic rewards if you frequently shop at Lowe’s for home improvement products. It offers 5% cashback on your Lowe’s purchases. No annual fee is charged, and you get $100 upon the approval of your account. Full Review

  • 5% cashback on Lowe’s purchases
  • No annual fee
  • Effortless sign-up bonus
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Lowe’s Business Rewards offer fantastic rewards if you frequently shop at Lowe’s for home improvement products. It offers 5% cashback on your Lowe’s purchases. No annual fee is charged, and you get $100 upon the approval of your account. Full Review

Rewards

5/5

Requirements

4/5

Ease of Sign-up

4/5

Fees

4/5

Our Methodology 

To choose the most reliable credit cards for your small business, we scrutinized the following:

  • Features: We checked out the card’s features, including the rewards and bonuses it offers, the redemption process, and other perks.
  • Reputation: We compared the cards to their most formidable rivals and gauged which ones had the edge over the other, selecting the best cards in the process.
  • Eligibility: We researched what it takes for you to open an account with card providers—common factors include credit score, business revenue, and payment history. 
  • Pricing: We looked at the fees you must pay while using the card, including the annual percentage rate (APR), foreign transaction fees, and annual fee
  • Customer support: We analyzed how the cards’ customer service team responds to customers’ needs, how they communicate, and what quality of service you can expect.
  • Customer reviews: We noted what firsthand experience users say about the card’s benefits.

Detailed Reviews

American Express Business Platinum Card
American Express Business Platinum Card
American Express Business Platinum Card

Best for Frequent Flyers That Can Handle High Annual Fees

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  • High travel rewards
  • Free employee cards and fraud protection
  • High welcome bonus
  • No foreign transaction fee
  • Requires good credit score
  • Complex redemption process
  • High annual fee

Overview

If you frequently travel for business, AmEx’s Business Platinum card is perfect for you. It offers a great rewards rate on every dollar spent on travel and hotel bookings, without foreign transaction fees.

Features

The Business Platinum card offers 5 reward points on flights and hotels booked through amextravel.com—1.5 points per dollar on eligible purchases up to $5,000. All other types of business expenses earn you 1 point. You also earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases as a welcome bonus.

Features Description
Introductory APR N/A
Regular APR 14.24% – 22.24%
Annual fee $595
Rewards rate/points Reward points
Rewards 5 rewards points per dollar on flights and hotels through amextravel.com
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To be eligible for a card membership, you must have at least a 690 credit score and two years of clean credit history. In addition, your income must be at least $50,000 per year. You must also prepare legal documents, such as a taxpayer ID number (TIN). 

Customer Satisfaction

On Credit Karma, the Business Platinum card holds 4 stars. Customers praise its benefits for frequent flyers and love its other perks, such as free employee cards and fraud monitoring. Meanwhile, more critical small business reviewers cite its high annual fee as a dealbreaker.

Competition Overview

Where American Express Business Platinum dominates:

Travel perks and rewards, lounge membership, high welcome bonus

Where American Express Business Platinum falls short:

Annual fee, the redemption process

US Bank Triple Cash Rewards Visa Business Credit Card
US Bank Triple Cash Rewards Visa Business Credit Card
US Bank Triple Cash Rewards Visa Business Credit Card

Best for Owners With Large Expenses on Specific Business Spending Categories

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  • High rewards on expenses
  • 0% intro APR
  • No annual fee
  • No free employee cards
  • Foreign transaction fees

Overview

If your business expenses are high on gas, office supplies, and even cell phone expenses, this card is best for you. It offers 3% cash back rewards on eligible purchases without any cap, and it charges a 0% annual fee on your first 15 months. 

Features

The U.S. Bank Triple Cash Rewards Business Card offers up to 3% cashback on specific business spending categories. Apart from its over a year-long 0% intro APR, you also earn a $500 cash back on $4,500 spent as an account holder during your first 150 days.

Features Description
Introductory APR 0% APR for 15 months
Regular APR 13.99% – 22.99%
Annual fee 0%
Rewards rate/points Cashback
Rewards 3% cashback on specific categories
Minimum credit score 690
Foreign transaction fees 2% for US dollar; 3% for other currencies
Fraud liability protection Yes
Employee cards N/A

Eligibility Requirements

The account opening process is simple, but you must have a 690 or higher credit score. The issuer will also check your business credit score and payment history. Be ready to answer inquiries about your years in business, expenses, and even revenue.

Customer Satisfaction

On CreditCards.com, this card holds 3.1 stars. They highlight its excellent 0% annual fee and easy redemption process. They also love that cashback rewards don’t expire. But they also noted that its welcome bonus and regular APR are relatively average.

Competition Overview

Where U.S. Bank Triple Cash Rewards dominates:

Cashback rewards on specific categories, Intro APR, the annual fee

Where U.S. Bank Triple Cash Rewards falls short:

Foreign transaction fees, employee credit cards

American Express Blue Business Cash Card
American Express Blue Business Cash Card
American Express Blue Business Cash Card

Best for Users Who Want Simplicity and Minimal Business Expenses

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  • Adjustable credit limit
  • 0% intro APR
  • 2% cashback
  • 0% annual fee
  • Spending cap on rewards
  • Foreign transaction fees
  • Automatic cashback redemption

Overview

AmEx’s Blue Business card is an excellent choice if you seek simplicity for your business expenses. It offers 0% APR on your first yearly billing cycle (or 12 months) and charges no annual fee. In addition, it comes with free fraud monitoring and employee cards.

Features

This card offers a 2% cashback reward on eligible purchases with a limit of $50,000. Afterward, you gain 1% cashback on all qualified expenses with no cap. If you have an inconsistent cash flow, your credit limit will adjust based on various factors, paving your way to spending flexibility.

Features Description
Introductory APR 0% intro APR for 12 months
Regular APR 13.24% – 19.24%
Annual fee $0
Rewards rate/points Cashback
Rewards 2% cash back on eligible purchases up to $50,000
Minimum credit score 690
Foreign transaction fees 2.7%
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To apply for this card, your credit score should be at least 690. Additionally, you should provide your business credit score and personal details, including your annual income and financial resources. AmEx may also check your credit record and buying power.

Customer Satisfaction

This card boasts 4.3 stars on Credit Karma, with small business owners loving the easy account approval process and high credit limit, increasing their buying power. But others point out that they should be able to redeem rewards at their chosen time.

Competition Overview

Where AmEx Blue Business dominates:

Intro APR, annual fee, rewards, credit limit

Where AmEx Blue Business falls short:

Cashback redemption process, foreign transaction fees

American Express Blue Business Plus
American Express Blue Business Plus
American Express Blue Business Plus

Best for Users Who Seek Flat-Rate Rewards and Zero Annual Fee

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  • Easy flat-rate rewards
  • Quick approval
  • 0% Intro APR
  • No annual fee
  • Foreign transaction fees
  • No balance transfers
  • Cap on spending for rewards

Overview

The AmEx Blue Business Plus card offers a generous flat-rate reward system on specific business spending categories, such as office supplies or meals at restaurants. You can earn 2 points for every dollar you spend up to $50,000.

Features

The Blue Business Plus card offers 12 months of 0% APR and no annual fee. In addition, you can redeem points up to 15,000 if you spend $3,000 on eligible purchases within your first three months. But like other AmEx cards, this one doesn’t do balance transfers.

Features Description
Introductory APR 0% intro APR for 12 months
Regular APR 13.24% – 19.24%
Annual fee $0
Rewards rate/points Rewards points
Rewards 2 points per dollar spent on eligible business purchases up to $50,000
Minimum credit score 690
Foreign transaction fees 2.7%
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

An account opening only takes hours to get approved. You must have a good or excellent credit score and provide such business information as your years in business, employee count, and personal information.

Customer Satisfaction

This card has 4.4 stars on Credit Karma, with customers commending its quick membership approval, low fees, and perks. Other users, however, have had issues with direct deposits.

Competition Overview

Where AmEx Blue Business Plus dominates:

Quick approval, APR, annual fee, flat-rate rewards

Where AmEx Blue Business Plus falls short:

Foreign transaction fees, no balance transfers

Discover it® Business Card
Discover it® Business Card
Discover it® Business Card

Best for Owners Who Don’t Want to Track Specific Business Spending Categories

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  • Simple reward structure
  • Excellent customer support
  • 0% Intro APR
  • No annual fee
  • Needs high credit score
  • Slightly high regular APR

Overview

If you want an easy-to-use card with simple rewards, Discover it® is best for you. You don’t need to keep track of any spending category—perfect for small business owners that want extra simplicity.

Features

Discovery it® doesn’t charge an annual fee and offers 12 months of 0% intro APR. In addition, you gain 1.5% cash back on every purchase, plus fraud monitoring to avoid unauthorized charges. Employee cards also help you accumulate cashback rewards faster.

Features Description
Introductory APR 0% intro APR for 12 months
Regular APR 14.49% – 22.49%
Annual fee $0
Rewards rate/points Cashback
Rewards 1.5% cashback on all purchases
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To open a Discover it® account, you must have a good credit score and provide your business’s legal name, payment history, and annual business revenue. You also need to provide your business structure. Limited liability companies (LLC), sole proprietorships, and other types can apply for membership.

Customer Satisfaction

Discover it® holds 3.5 stars on CreditCards.com, with customers loving its customer service support, rewards, and fees. Some reviews, however, found its intro bonus lacking and regular APR a bit high.

Competition Overview

Where Discover It dominates:

Annual fee, intro APR, customer support, rewards

Where Discovery falls short:

Credit score requirements, regular APR

Capital One Spark Classic for Business
Capital One Spark Classic for Business
Capital One Spark Classic for Business

Best for Cardholder With a Fair to Average Credit Score

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  • No foreign transaction fees
  • Average credit score accepted
  • 1% cashback for all purchases
  • No annual fee
  • No welcome bonus
  • High regular APR
  • No intro APR offer

Overview

If you have a fair or average credit score but want a decent card with a flat-rate reward structure, then Capital One Spark Classic is your best bet. And it charges no annual fee.

Features

While it doesn’t have an intro APR offer, this card provides 1% cashback on all business purchases. And there’s no annual fee or foreign transaction fees. All free employee cards also earn 1% cashback. The rewards never expire, and you can redeem them in any amount, any time.

Features Description
Introductory APR None
Regular APR 26.99%
Annual fee $0
Rewards rate/points Cashback
Rewards 1% cashback on every purchase
Minimum credit score 630
Foreign transaction fees 0%
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To apply for membership, you must have a credit score of 630. You also need to submit your personal and business information, along with your Employer ID Number or TIN.

Customer Satisfaction

This card sports 3.7 stars on Credit Karma, with reviewers describing it as a great small business starter card with an equally excellent credit limit offer. Other reviewers, however, have mixed opinions, especially about its high regular APR.

Competition Overview

Where Capital One Spark Classic dominates:

Credit score requirement, rewards, easy approval

Where Capital One Spark Classic falls short:

Bonus, regular APR

Chase Ink Business Cash Credit Card
Chase Ink Business Cash Credit Card
Chase Ink Business Cash Credit Card

Best for Business Owners With Heavy Spending on Office Supplies

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  • No annual fee
  • High bonus
  • 2% on restaurants and gas
  • 5% cashback on office supplies and utilities
  • 3% foreign transaction fees
  • Requires good credit score
  • Requires good credit score

Overview

If you spend heavily on office supplies, restaurants, and gas stations, the Chase Ink Business card is a fantastic choice to maximize your buying power. It offers 5% cashback on your first $25,000 spent on specific business spending categories.

Features

This card offers a year of 0% APR and a $0 annual fee to top its generous 5% cashback on office supplies and utilities and 2% cashback on gas and restaurants. You also have fraud liability protection, plus employee cards that also earn cashback rewards. Its $750 welcome bonus is also fantastic. 

Features Description
Introductory APR 0% intro APR for 12 months
Regular APR 13.24% – 19.24%
Annual fee $0
Rewards rate/points Cashback
Rewards 5% on first $25,000 spent on office supplies/utilities; 2% on first $25,000 spent on gas and restaurants
Minimum credit score 690
Foreign transaction fees 3%
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

This card requires you to have at least a 690 credit score. You must also provide relevant business and personal information, including revenue, business credit score, and payment history.

Customer Satisfaction

Chase Ink Business Cash holds 3.9 stars on Credit Karma. Reviewers praise its credit limit upgrades and sign-up bonus. But others are critical of its lengthy membership approval process.

Competition Overview

Where Chase Ink Business Cash dominates:

Business expenses reward, welcome bonus

Where Chase Ink Business Cash falls short:

Membership approval time, credit score requirement

Chase Ink Business Preferred Credit Card
Chase Ink Business Preferred Credit Card
Chase Ink Business Preferred Credit Card

Best for Users Who Want Large Sign-up Bonuses and Decent Ongoing Rewards Rate

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  • Higher ongoing rewards points
  • Generous welcome bonus
  • Gift cards, travel points, and perks
  • Has annual fee
  • Reward spending limit
  • No intro APR

Overview

Chase Ink Business Preferred is a great card for small business owners who want a generous sign-up bonus and great rewards for ordinary business expenses. It also offers such perks as gift cards and travel points that don’t expire. 

Features

This card offers 3 rewards points on every dollar of business purchases up to $150,000. You also earn 100,000 bonus points after spending $15,000 within your first three months. And you can redeem points for cashback offers, gift cards, and travel perks. 

Features Description
Introductory APR None
Regular APR 15.99% – 20.99%
Annual fee $95
Rewards rate/points Rewards points 
Rewards 3 points per dollar on first $150,000 on eligible categories 
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

For account opening, you must have at least a 690 credit score. Additionally, Chase will check your annual business revenue and recent card applications, as well as personal information. 

Customer Satisfaction

Chase Ink Business Preferred holds 4.5 stars on Credit Karma, thanks to its high welcome bonus and generous rewards on ordinary business expenses. They also love its perks. Others, however, are unhappy about the membership approval process, customer service, and annual fee.

Competition Overview

Where Chase Ink Preferred dominates:

Reward points, welcome bonus, perks

Where Chase Ink Preferred falls short:

Annual fee, reward spending cap, intro APR

Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America Business Advantage Travel Rewards World Mastercard
Bank of America Business Advantage Travel Rewards World Mastercard

Best for BoA Members Who Travel Frequently for Business

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  • Travel rewards
  • 0% intro APR
  • No annual fee
  • Fast redemption process
  • No employee cards
  • Requires excellent credit score

Overview

If your business expenses are heavy on the travel side, and you’re already a Bank of America (BoA) member, BoA’s Business Advantage Travel MasterCard is the right card for you. It offers high point rewards for travel-related purchases you book via the BoA Travel Center.

Features

This card offers 0% intro APR on your first nine months. It charges no annual fee and gives you 1.5 points for every dollar on all your purchases. For example, if you book your travel via BoA’s Travel Center, you gain 3 points for every dollar. In addition, you can earn 30,000 bonus points on your first $3,000 within 90 days. 

Features Description
Introductory APR 0% intro APR on purchases for 9 billing cycles
Regular APR 12.24 – 22.24%
Annual fee $0
Rewards rate/points Rewards points
Rewards 1.5 points per $1.00 on all purchases
Minimum credit score 720
Foreign transaction fees None
Fraud liability protection Yes
Employee cards N/A

Eligibility Requirements

To create an account with BoA, you must have an excellent credit score and provide your business information, including your Federal TIN, business structure, and annual revenue. You must also disclose your percentage of ownership in the business.

Customer Satisfaction

CreditCards.com gives this card 3.2 stars, praising its lack of annual fee and rewards redemption process. But their bonus offers are described as average, and employee cards are not available.

Competition Overview

Where Advantage Travel Rewards World Dominates:

Travel rewards points, intro APR, the annual fee

Where Advantage Travel Rewards World Falls Short:

Credit score requirements, no employee cards

Capital One Spark Miles for Business
Capital One Spark Miles for Business
Capital One Spark Miles for Business

Best for Cardholders Who Want Travel Perks With Capital One’s Partners

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  • Transfer points to travel partners
  • Two miles per dollar on all purchases
  • Fraud monitoring
  • No annual fee for the first year
  • No intro APR offer
  • High annual fee after intro
  • Higher regular APR

Overview

Capital One Spark Miles is best for small business owners who want simple travel miles reward systems. You gain mile points on all purchases with no cap, restrictions, or blackout dates. You can also transfer miles to travel partners.

Features

This card offers 2 miles per dollar on all purchases. While there’s no intro APR offer, the annual fee is waived for your first year. Fraud monitoring and employee cards are also available. Additionally, you can use your miles on Capital One’s travel partners, including JetBlue, Air Canada, and Emirates.

Features Description
Introductory APR None
Regular APR 20.99%
Annual fee $0 for first year; $95
Rewards rate/points Miles
Rewards 2 miles per dollar on every purchase
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To open an account with Capital One, you need at least a 690 credit score and provide your business name, structure, and other relevant information. Your payment history and credit record will also be checked.

Customer Satisfaction

The Spark Miles card holds 4.2 stars on Credit Karma, with reviewers praising their rewards and card services. Other reviewers, however, are critical of their customer support services and lengthy application process.

Competition Overview

Where Capital One Spark Miles Dominates:

Travel rewards, travel partners

Where Capital One Spark Miles Falls Short:

Intro APR, regular APR, the annual fee

Marriott Bonvoy Business American Express Card
Marriott Bonvoy Business American Express Card
Marriott Bonvoy Business American Express Card

Best for Loyal Marriott Bonvoy Customers

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  • Card’s Elite status
  • Free night on card anniversary
  • High rewards points
  • Rewards limited to Marriott hotels
  • No intro APR offer
  • High annual fee

Overview

If you’re a client of the Marriott hotel group, the Marriott Bonvoy Business AmEx card is perfect for you. You can earn and redeem points at thousands of Marriott properties.

Features

This card offers 125,000 Marriott points and 2 bonus Free Night Awards if you use it on $5,000 worth of eligible purchases within your first three months. The ongoing rewards let you earn 6 points at participating hotels in the Marriott Bonvoy program. You also earn 2 points on all other eligible purchases

Features Description
Introductory APR None
Regular APR 15.74% – 24.74%
Annual fee $125
Rewards rate/points Rewards points
Rewards 6 points at hotels in the Marriott Bonvoy program
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

You need at least a 690 credit score to qualify for this card’s membership. Any small business can open an account, provided a Social Security number or Employer Identification Number be submitted.

Customer Satisfaction

This card holds 4.8 stars on Credit Karma, with many reviewers loving the redemption process, claiming the card is better than other similar offers they’ve used. But others point out that it’s difficult to get approved when users reach the maximum number of cards AmEx allows.

Competition Overview

Where Marriott Bonvoy Business AmEx Card Dominates:

Rewards, an anniversary bonus

Where Marriott Bonvoy Business AmEx Card Falls Short:

Annual fee, reward limitations

Delta SkyMiles Reserve Business American Express Card
Delta SkyMiles Reserve Business American Express Card
Delta SkyMiles Reserve Business American Express Card

Best for Delta Airlines Customers With Frequent Business Travels

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  • Centurion Lounge access
  • Luxury travel rewards
  • Status boost feature
  • Low rewards on non-Delta purchases
  • High annual fee
  • Requires excellent credit score

Overview

If you’re a frequent flyer loyal to Delta Airlines, this card is your best travel buddy. It offers lounge membership and rewards points on purchases with Delta.

Features

This card offers 3 miles per dollar on Delta purchases, plus a Status Boost feature that grants 150,000  Medallion Qualification Miles (MQMs) if you spend $30,000 in a calendar year. You’ll also gain access to The Centurion Lounge membership.

Features Description
Introductory APR None
Regular APR 15.74% – 24.74%
Annual fee $550
Rewards rate/points Miles
Rewards 3 miles per dollar on direct Delta purchases
Minimum credit score 690
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

For account opening, you must provide both business and personal details. In addition, you must provide your company structure, years in business, number of employees, and annual revenue for your business. Your credit record will also be checked; your credit score must be at least 690.

Customer Satisfaction

Delta SkyMiles holds 4.8 stars on Credit Karma, garnering rave reviews from users who travel a lot. The only downside to using the card, according to them, is the hefty annual fee.

Competition Overview

Where Delta SkyMiles Reserve Dominates:

Travel rewards, lounge membership, Status Boost

Where Delta SkyMiles Reserve Falls Short:

Annual fee, credit score requirement

Brex Card
Brex Card
Brex Card

Best for Well-Funded Companies With Limited Credit Record

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  • Offers free employee cards
  • Easy to sign up
  • No traditional card fees
  • Accepts fair credit score
  • No revolving credit
  • Complicated reward structure
  • Few redemption options

Overview

If you’re a well-funded small company with limited credit history, Brex Card is a great bet for you. It requires no credit score check or security deposit and offers higher credit limits than other small business cards.

Features

Brex offers charge cards, which don’t let you revolve a balance. Instead, you pay daily or monthly. Your creditworthiness depends on your company’s cash balance. You can earn up to 8 points per dollar on eligible purchases and earn 30,000 points after spending $3,500 in your first 30 days.

Features Description
Introductory APR None
Regular APR None
Annual fee $0
Rewards rate/points Rewards points
Rewards 8 points for rideshares and taxis; 5 points for travel booked through Brex
Minimum credit score 300
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

Brex doesn’t depend on your credit score to determine your eligibility, but you must disclose your company’s spending patterns and the cash amount. Typically, your small business can get a Brex card if you have at least $50,000 in professionally managed funds. 

Customer Satisfaction

Brex holds 4.7 stars on Trustpilot, with most reviewers praising their flexibility and ability to accommodate businesses with limited payment history and credit records. But other reviewers find the reward system challenging.

Competition Overview

Where Brex Card Dominates:

Eligibility requirement, fees

Where Brex Card Falls Short:

Reward system, no intro APR

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card

Best for Loyal American Airline Users Who Travel Often

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  • Free first checked bag
  • High welcome bonus
  • High travel rewards
  • Need excellent credit score
  • High regular annual fee
  • No intro APR

Overview

If you’re a loyal American Airlines customer and a frequent flyer, then this card is the best for you. You can earn mile rewards on purchases with the airline and enjoy various perks.

Features

This card gives 2 AAdvantage miles for every dollar spent on the airline and 1 mile for all other purchases. In addition, there’s a 12-month $0 annual fee offer, and you can earn 65,000 bonus miles if you spend $4,000 in your first four months with the account.

Features Description
Introductory APR None
Regular APR 15.99% – 24.99%
Annual fee $0.00 for the first year; $99 thereafter
Rewards rate/points Miles
Rewards 2 miles per dollar on American Airlines purchases
Minimum credit score 720
Foreign transaction fees None
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

To qualify for this card, you must have an excellent credit score. You should also provide personal and business details, including your credit score, annual revenue, company structure, and other relevant information. 

Customer Satisfaction

CitiBusiness® / AAdvantage® Platinum Select holds 4.5 stars on Credit Karma, with reviewers praising the card’s robust travel rewards. They also like the fast customer service and high credit line offered. But the credit score requirement is challenging to meet.

Competition Overview

Where CitiBusiness/AAdvantage Platinum Select Dominates:

Travel rewards, bonuses, perks

Where CitiBusiness/AAdvantage Platinum Select  Falls Short:

Annual fee, APR, credit score requirement

Lowe’s Business Rewards Card
Lowe’s Business Rewards Card
Lowe’s Business Rewards Card

Best for Business Owners Who Shop Frequently at Lowe’s

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  • Effortless sign-up bonus
  • 5% cashback on Lowe’s purchases
  • No annual fee
  • Lacks balance transfers
  • Foreign transaction fees
  • No intro APR

Overview

If you’re a Lowe’s customer, this small business card is perfect for you. You earn great cashback rewards simply by making everyday business purchases at restaurants and office supplies stores. But, of course, its easy-to-get welcome bonus doesn’t hurt, either.

Features

This card offers 5% cash back rewards on purchases made at Lowe’s, 2% at restaurants, office supply shops, telephone services, and 1% on all other purchases. You also earn $100 just by getting approved for an account. It charges no annual fee, and you can use free employee cards and fraud monitoring services.

Features Description
Introductory APR None
Regular APR 15.74% – 24.74%
Annual fee $0.00
Rewards rate/points Cashback
Rewards 2% cashback on eligible purchases
Minimum credit score 690
Foreign transaction fees 2.7%
Fraud liability protection Yes
Employee cards Yes

Eligibility Requirements

For account opening, you must provide business details, including your company structure, years in business, employee count, total monthly expenses, and annual revenue, as well as personal information.

Customer Satisfaction

This card holds 4 stars on Finance Buzz, highlighting the rewards you can receive from using the card. The downsides, however, include the foreign transaction fees and lack of balance transfers.

Competition Overview

Where Lowe’s Business Rewards Card Dominates:

Rewards, annual fee, bonus

Where Lowe’s Business Rewards Card Falls Short:

Foreign transaction fees, balance transfers, no intro APR

Buyer’s Guide: Business Credit Cards for LLC

Choosing the right credit card for your LLC business can be challenging. In this section, you’ll learn about what to consider when comparing your options.

How to Choose the Right Credit Cards for an LLC

When searching for the top credit cards for small businesses, consider the following factors:

  • Annual Percentage Rate (APR): The APR is the yearly interest rate you pay for your balance. Find a card that charges a reasonable APR. 
  • Intro APR: This is the promotional APR that cards offer to new cardholders.
  • Regular: This is the fixed or variable APR you pay for the ongoing usage of the card.
  • Rewards: These can be in different forms, such as membership points, cash back, or travel miles. Pick a card with the rewards that are useful for your business
  • Other Perks: This may include gift cards, lounge memberships, free employee cards, extended warranty, and others. Travel perks are beneficial when you have good travel insurance for US flights. Meanwhile, others offer contactless cards that you or your employees can use flexibly.
  • Fraud Protection: Most credit cards offer fraud monitoring, which removes your liability on unauthorized charges or card loss.
  • Foreign Transaction Fees: This is the fee for transactions through a foreign bank or in a currency other than the USD. If you’re a frequent flyer, choose a card with no foreign transaction fees.
  • Eligibility Requirements: These are requirements you should meet to open an account, including your credit score, business revenue, or business cash flow.

Application Requirements

In terms of account opening, you must prepare the following information for a hassle-free sign-up and fast processing or approval:

  • Your Business Name: This includes your actual business name and DBA (Doing Business As). If you’re a sole proprietor, you can use your name as your business name, plus your DBA.
  • Business Contact Information: This comprises your business address, company number, company email, and other relevant information that the card issuer can use to reach out.
  • Your Industry: This refers to your LLC’s area of business, including, for example, finance, consumer products, advertising, or marketing.
  • FTIN: This is also referred to as your taxpayer identification number—a necessary legal document for keeping your taxes clear of issues. Brush up on your knowledge about TIN, EIN, and other taxpayer ID numbers.
  • Years in Business: This allows the issuer to gauge your creditworthiness more accurately.
  • Revenue and Expenses: This gives the card issuer a clearer picture of your company’s financial resources and ability to use their credit card.

Pros and Cons of Credit Cards for an LLC

You must weigh the pros and cons before applying for a credit card for your business, especially if you don’t want to be another negative number in the statistics for small businesses.

The following are the benefits of having a credit card for your business.

  • Expenses don’t get mixed: With business cards, you keep your personal expenses separate from your business transactions.
  • Rewards and perks: Business credit cards offer tremendous rewards and bonuses that aren’t available to ordinary customers.
  • Increase buying power: Business credit cards offer flexible credit limits, depending on your business credit score.
  • Boost personal and business credit score: When you pay on time, you boost your business credit score, allowing you to also boost your personal credit score.
  • Improve business cash flow: Credit cards help you fulfill business expenses quickly, improving your business processes and, therefore, cash flow.

The following are the downsides of owning a credit card for your business.

  • Overextending by having many credit cards: Having too many credit cards can be confusing and financially risky.
  • Spending more than you can pay: It’s inadvisable to fund your business using only a credit card; your revenues might not cover the interest you would incur.
  • Using the card for personal expenses: If you’re not careful, you might use the business card for personal transactions.

The high percentage of failed businesses had something in common with one another—they were unable to manage their expenses correctly. Having a credit card has both rewards and risks—so use it wisely.

Business LLC Credit Cards at a Glance

LLC Business Credit Card Intro APR APR Range Rewards Rate Minimum Credit Score Best For
American Express Business Platinum Card N/A 14.24% – 22.24% 5 rewards points per dollar on flights and hotels through amextravel.com 690 Frequent flyers that can handle high annual fees
U.S. Bank Business Triple Cash Rewards Visa Business Card 0% APR on the first year 13.99% – 22.99% 3% cash back on eligible gas, office supply, and phone service provider purchases 690 Owners with large expenses on specific business spending categories
American Express Blue Business Cash Card 0% intro APR for 12 months 13.24% – 19.24% 2% cash back on eligible purchases up to $50,000 690 Users who want simplicity and minimal business expenses
American Express Blue Business Plus 0% intro APR for 12 months 13.24% – 19.24% 2 points per dollar spent on eligible business purchases up to $50,000 690 Users who seek flat-rate rewards and zero annual fee
Discover it® Business Card 0% intro APR for 12 months 14.49% – 22.49% 1.5% cashback on every purchase 690 Owners who don’t want to track specific business spending categories
Capital One Spark Classic for Business None 26.99% 1% cashback on every purchase 630 Cardholder with a fair to average credit score
Chase Ink Business Cash Credit Card 0% intro APR for 12 months 13.24% – 19.24% 5% on first $25,000 spent on office supplies/utilities; 2% on first $25,000 spent on gas and restaurants 690 Business owners with heavy spending on office supplies
Chase Ink Business Preferred Credit Card None 15.99% – 20.99% 3 points per dollar on first $150,000 on eligible categories 690 Users who want large sign-up bonuses and a decent ongoing rewards rate
Bank of America Business Advantage Travel Rewards World Mastercard Credit Card 0% intro APR on Purchases for 9 billing cycles 12.24% – 22.24% 1.5 points per $1 on all purchases 720 BoA members who travel frequently for business
Capital One Spark Miles for Business None 20.99% 2 miles per dollar on every purchase 690 Cardholders who want travel perks with Capital One’s partners
Marriott Bonvoy Business American Express Card None 15.74% – 24.74% 6 points at hotels in the Marriott Bonvoy program 690 Loyal Marriott Bonvoy customers
Delta SkyMiles Reserve Business American Express Card None 15.74% – 24.74% 3 miles per dollar on direct Delta purchases 690 Delta Airlines customers with frequent business travels
Brex Card None None 8 points for rideshares and taxis; 5 points for travel booked through Brex 300 Well-funded companies with a limited credit record
CitiBusiness®/AAdvantage® Platinum Select® Mastercard® Credit Card None 15.99% – 24.99% $0.00 for the first year; $99 thereafter 720 Loyal American Airline users who travel often
Lowe’s Business Rewards Card None 15.74% – 24.74% 2% cash back on eligible purchases 690 Business owners who shop frequently at Lowe’s

Conclusion

Business credit cards are excellent tools for funding your business and securing your financial capability. When searching for the best card, choose one that offers rewards and bonuses for everyday business transactions. The fees should also be reasonable—hefty fees can beat the purpose of having a business credit card.

FAQ

What is the most popular small business credit card?

The American Express Blue Business Cash Card is considered the best small business credit card since it offers a generous but straightforward reward mechanism. If you’re a small business owner who wants a zero annual fee and great bonuses, then this card is perfect for you.

What is the most demanded business credit card?

The best business credit card is one that you fully understand and use frequently. Its rewards should be relevant to your business expenses. For instance, if you’re a frequent flyer, you should choose a card with generous travel perks and rewards that you can use when traveling.

Can I get a business credit card with an LLC?

Yes. Most for-profit businesses can get their own business credit cards, whether they’re existing businesses, startups, LLCs, sole proprietorships, or freelancers. You simply have to meet other eligibility requirements, including minimum credit scores and clean payment history.

How do LLCs get business credit?

Small business owners typically begin building their business credit record by acquiring business credit cards for LLC. First, the credit card application process requires their social security numbers and personal credit histories. Then, they make on-time payments, which help them build a good business credit score.