Best business credit cards for your LLC in 2025

Top business credit cards for LLCs

Rho

Best for: Businesses aiming to accelerate month-end close with automated accounting tools

Rewards rate: Up to 1.25% cash back on all purchases¹

Annual fee: $0

APR: 0% (as it is a charge card)

Key benefits:

• Customizable corporate card experience
• Seamless controls (e.g., set spend limits, merchant restrictions, and approvals)
• Easy reconciliation with automated accounting
• Scalable credit limit

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Chase Ink Business Unlimited Credit Card

Best for: Businesses seeking rewards on all purchases and no annual fee

Rewards rate: Unlimited 1.5% cash back on all purchases

Annual fee: $0

APR: 0.0% intro for first 12 months, then 17.74% to 23.74%

Key benefits:

• Simple card with rewards on all purchases
• No APR for the first year
• $750 bonus cash back after spending $6,000 in the first 3 months
• Automatically checked for a credit line increase every 6 months
• Purchase protection and some travel benefits

Capital One Spark 1.5% Cash Select

Best for: Businesses seeking a card without an annual fee and no foreign transaction fees

Rewards rate: 1.5% cash back on all purchases, 5% for travel booked through Capital One Travel

Annual fee: $0

APR: 17.99% to 23.99%

Key benefits:

• $500 bonus cash back after spending $4,500 in the first 3 months
• No foreign transaction fees
• 1.5% cash back on all purchases
• 5% cash back for travel booked through Capital One Travel

American Express Blue Business Plus

Best for: Businesses looking for a card with high cash back rewards

Rewards rate: 2% cash back up to $50,000 per calendar year, then 1%

Annual fee: $0

APR: 0.0% intro for first 12 months, then 17.49% to 25.49%

Key benefits:

• 2% cash back up to $50,000 per calendar year, then 1%
• No APR for first year
• Employee cards at no additional cost
• No over-limit fees
• No category restrictions for earning points

Wells Fargo Signify Business Cash Card

Best for: Businesses seeking cash rewards

Rewards rate: Unlimited 2% cash rewards

Annual fee: $0

APR: 0.0% intro for first 12 months, then 17.49% to 25.49%

Key benefits:

• $500 cash rewards bonus when you spend $5,000 in the first 3 months
• No APR for first year
• Employee cards at no additional cost
• Complimentary priority pass membership, but per-visit fee applies

Chase Ink Business Preferred Credit Card

Best for: Businesses looking for high rewards on travel and business purchases

Rewards rate: Up to 3 points per $1 on the first $150,000 per calendar year, then 1x

Annual fee: $95

APR: 20.49% to 26.49%

Key benefits:

• Points are worth 25% more when redeemed for travel through Chase Travel
• Employee cards at no additional cost
• No foreign transaction fees
• Travel and purchase coverage included

What makes a great business credit card

When searching for the best credit card, start by identifying your company’s priorities and spending patterns. Then, with those in mind, compare and contrast cards that are most suitable. 

Check the card’s fees, rewards, credit score required, and Annual Percentage Rate (APR). 

If your main concern is avoiding interest charges, you can narrow down your search and focus on cards with 0% intro APR and a low APR after the introductory period. 

So, identify your priority first and then choose the right card for you.

Fees

Some credit cards charge an annual fee, which can range from $99 to a whopping $5,000. Cards with no annual fee typically offer fewer perks but can be more economical. Cards with an annual fee typically offer rewards tailored for specific uses, such as travel, dining, marketing, etc.

Consider other fees, as well. If you’re planning to travel overseas often, you may benefit from a card without foreign transaction fees. Or, if you want cash advances, look into the related fees for taking out money.

Rewards

Credit cards generally offer rewards such as points, hotel stays, or miles that can be redeemed for cash or expenses. 

Now, understanding how to earn rewards is key so you can maximize your rewards. For instance, travel cards offer higher rewards but you must book through the credit card company’s website to earn more points. Some cards have specific categories with which you can earn more points. 

To maximize points, choose a card that aligns with your business’ spending habits.

Credit score

As a general rule of thumb, having a higher credit score allows your business to qualify for better rates and rewards. 

Credit scores also influence the credit limit, meaning how much you can spend, assigned. A higher credit limit can give you more financial flexibility as you have more credit to tap into. A higher limit can also help to keep your credit utilization low, thereby increasing your credit rating.

APR (Annual Percentage Rate)

The APR reflects the interest rate charged on balances carried from month to month. Ideally, you want to pay off the credit card in full every month. But, if you might carry a balance, having a card with a lower APR can result in less interest charges over time. 

Many cards offer introductory 0% APR periods on purchases or balance transfers, which can be helpful if your goal is to decrease debt. Using a card with a 0% intro APR can be a great strategy to consolidate and lower your debt, as you pay off the balance during the introductory period while you are not charged an interest. Plan for transfer fees.

The bottom line is that when searching for a business credit card, consider the fees, rewards structure, credit score implications, and APR to ensure it aligns with your business’ financial goals and spending habits.

How to apply

To apply for a business credit card, you'll need to gather specific documents and follow a few key steps. 

Here's a quick rundown.

1. Research and choose the right card for your business needs. (You’re doing that now by reading this article!)
2. Gather all required documents and information. (See the list below.)
3. Complete the online application with the financial institution you choose.
4. Submit the application and wait for approval.
5. Once approved, activate your card. You’re all set.

Note that approval often depends on both your personal and business credit scores. Most issuers require a good to excellent personal credit score (typically 690 or higher) for business credit card approval.

Required documents

Gather your documents and information. 

Here’s a breakdown of what you will need.

Business information:

• Legal business name
• Business address and phone number
• Type of business and industry
• Federal tax ID (EIN) or Social Security Number
• Annual business revenue
• Years in business
• Number of employees

Personal information:

• Name, date of birth, and Social Security Number
• Home address, phone number, and email
• Annual personal income

Additional documents (may be required):

• Business tax returns or profit/loss statements
• Recent business bank account statements
• Business formation/registration documents
• Valid government-issued ID

How to improve your credit score for your small business

To improve your credit score and increase your chances of opening a credit card for your small business, follow these steps:

Improve your personal credit score by paying all bills on time, including personal and business expenses. Keep your credit utilization ratio low. Aim for using less than 30% of your available credit. Regularly check your personal credit report for errors and dispute any inaccuracies.

Then, establish the business’ credit. Separate your business and personal finances by opening a business checking account. Apply for a DUNS number from Dun & Bradstreet to establish your business credit profile. Once you’ve done that, set up trade lines with vendors and suppliers who report to business credit bureaus. This will help you increase your business credit score over time.

Maximize rewards and avoid pitfalls

The main thing is to choose a card that aligns with your spending patterns and business needs. 

Stay level-headed as you make your selection. Choosing a card just for fancy perks may not be the right call for your business. Instead, focus on a card that has tools and benefits that will move the needle for you and your business in the long run. 

In other words, consider choosing a card that will make life easier for you and your team. Some business credit cards offer expense tracking and create automated expense reports. Some cards have built-in controls and spending limits for specific teams, which could simplify expense tracking and spending habits for everyone. Some cards are even customizable.

Keep your credit utilization low. Here’s a tip: Pay the credit card in full twice per month to keep utilization low. Pay off your credit card in full each month so you don’t carry a balance and end up paying interest charges or late fees.

Be cautious of mixing personal and business expenses on the same card. Keeping them separate will help you keep clear financial records and avoid tax complications.

Wrap up: Rho can save you time and help you simplify bookkeeping

Using a business credit card for your LLC will help you separate your personal and business expenses. It will simplify your bookkeeping—which will be especially helpful during tax season and will free up your time each month (and avoid a headache!). 

As you weigh the pros and cons of each card, consider the Rho corporate card. It’s designed to accelerate month-end close and set customizable pre-spend rules. In other words, you can make it fit your own needs. It offers up to 1.25% cash back on all purchases¹ and has a scalable credit limit.

‍Apply now to start enjoying the benefits of Rho Corporate Credit Cards today.