7 Best LLC Credit Cards

You may not think of credit cards as a financial tool most startups can use, but for some companies it’s their best option. If you’re looking to gain the edge in your startup and take on more investors or customers with an already established brand, you’ll need a good credit card offer that will help boost revenue.

The “business credit cards for llc with ein” is a list of 7 LLC credit cards that offer the best deals.

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

There are a range of business credit cards available to match your requirements, whether you run a single-member or multimember limited liability company (LLC). Choose from a wide range of benefits, such as high rewards, a lengthy introductory rate, clearly defined spending categories, and other vital characteristics. We’ve picked a selection of high-powered credit cards that can help you reach your company objectives, whether you’re just starting out or have been in business for years.

The following are the top seven LLC credit cards:

Do you want to compare the attributes of two cards? We’ve upgraded the functionality of this post and included a means to accomplish precisely that as of January 2022! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Best Overall LLC Credit Card: American Express Blue Business CashTM Card

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

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Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Why we like it: Spending is easy with the American Express Blue Business CashTM Card. Get 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% cash back earned is automatically credited to your statement. If you reach the $50,000 spend limit, you get an incredible $1,000 cash back credited to your statement. Combine that with a 0% introductory APR for the first 12 months and There is There is no yearly charge.., and you have the best overall card for your LLC. It’s our top choice for the best small business credit card.

Best for Rewards Flexibility: The American Express® Business Gold Card is a credit card issued by American Express.

The American Express® Business Gold Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your incentives in the two areas where you spend the most

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on The American Express® Business Gold Card is a credit card issued by American Express.’s secure website.

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APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Terms and Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll have to pay a hefty $295 yearly charge.
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $10,000 on qualifying purchases with the Business Gold Card during the first three months of Card Membership to earn 70,000 Membership Rewards® points.
• MORE REWARDS: Earn 4X Membership Rewards® points in the two areas where your company spends the most money each month. Other purchases give you 1X points. **
• **The first $150,000 in combined purchases from these two categories each calendar year earns you 4X points.
• AIRLINE BONUS: Earn 25% back after using points to book all or part of a qualifying flight with Amex Travel, up to 250,000 points per calendar year*.
• OPTION TO PAY OVER TIME: Choose whether to pay for qualifying items in full each month or to pay over time with interest.
• *Terms and Conditions apply.

Pros

• Every month, earn 4x points in two categories.
• Pay qualifying charges over time with interest, or make a monthly payment in full.

Cons

• You’ll have to pay a hefty $295 yearly charge.
• There are no options for interest-free financing.

• Free premium roadside assistance up to four times each year. Towing up to 10 miles, winching, jump starts, flat tire changing, lockout service while the key is in the car, and up to two gallons of gas delivery are all available.
• When a retailer refuses to accept returns of undamaged merchandise, American Express will repay you for qualified purchases. Coverage is restricted to 90 days from the date of purchase, a maximum of $300 per item, and $1,000 per year.
• Baggage insurance: You may get up to $1,250 in coverage for carry-on luggage and $500 for checked luggage if your luggage is lost, damaged, or stolen.
• Purchases with valid warranties of five years or fewer are eligible for an extended warranty of one year.
• Purchase protection: Within 90 days after purchase, new items are covered against damage or theft. The maximum amount of coverage is $1,000 per occurrence.

Why we like it: The The American Express® Business Gold Card is a credit card issued by American Express. gives you the power to choose how you earn your points. You can acquire a full 4x points on the two categories where you spend the most and 1x points on all other purchases. Also, as an introductory bonus, spend $10,000 in the first three months and receive 70,000 points. Do you often travel for business? All the impressive travel benefits available to American Express cardholders make the $295 annual fee for this card worth it. If you redeem your points through Amex Travel, you can get up to 25% of those points back. There’s no limit to the total number of points you can earn, and points never expire.

Best for Office-based LLCs is Chase Ink Business CashSM.

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

Apply Now

Chase’s Protected Website

Compare with

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is no yearly charge..
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is no yearly charge..
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Why we like it: The Chase Ink Business CashSM card may be a good choice for you if you spend a lot of money on internet, phone, cable bills, or office supplies. You may receive a whopping 5% cash back on the first $25,000 spent in the areas listed above, 2% cash back on the first $25,000 spent at petrol stations and restaurants, and 1% cash back on everything else, with no limit on how much you can earn. Plus, if you spend $7,500 in the first three months, you’ll get $750 back from Chase’s long-running welcome bonus.

Brex for Startups: The Best No-Personal-Guarantee Option

Startups with venture money and no personal assurance

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Brex’s Protected Website

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• The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
• No personal responsibility or security deposit is required, and your credit score will not be affected.
• The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
• A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
• Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
• Limits are ten to twenty times greater than ordinary business cards.
• Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
• There are no costs for international transactions.
• Brex works with Experian to record your on-time payments, which helps you build business credit.

Pros

• There is There is no personal guarantee or security deposit required. required.
• Exceptional awards and credit limitations

Cons

• A corporate bank account with a balance of $100,000 is required.
• The remaining balance must be paid in full.

• Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
• Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
• Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.

• The First Corporate Card for Startups is excellent for software businesses and other early-stage enterprises with professional investment that are situated in the United States.
• No personal responsibility or security deposit is required, and your credit score will not be affected.
• The greatest incentives for companies are: With industry-leading multipliers, you can earn points on every dollar you spend: 7 times for ridesharing, 4 times for travel, 3 times for restaurants, and 2 times for software subscriptions
• A minimum of $100,000 in business bank accounts is needed, as well as a US employment identification number (EIN).
• Get a virtual card in 5 minutes or less and a real card in the mail soon after with our simple online application.
• Limits are ten to twenty times greater than ordinary business cards.
• Never keep receipts again with Embedded Expense Management Software, which integrates with all major accounting software.
• There are no costs for international transactions.
• Brex works with Experian to record your on-time payments, which helps you build business credit.

Pros

• There is There is no personal guarantee or security deposit required. required.
• Exceptional awards and credit limitations

Cons

• A corporate bank account with a balance of $100,000 is required.
• The remaining balance must be paid in full.

• Receipt capture: Use the Brex app to keep track of your expenses. You may submit your receipts and Brex will automatically match them to your statement. Receipts may also be sent by text or email.
• Brex connects with QuickBooks®, NetSuite®, Expensify®, and XeroTM to make expense management simple.
• Add your team to the mix: Instantly add new users, create cards, and establish and monitor spending restrictions for everyone on your team.

Why we like it: The Brex card is a charge card, not a credit card, with conditions that are distinct from those of the other cards on our list. While Brex does not conduct a credit check or require a collateral deposit, it is suitable for well-funded enterprises. Brex will require access to your bank details if you have professional investors, and you must have a minimum of $50,000 in a single US-based business bank account at all times. You’ll need a minimum of $100,000 if you have investors but don’t want to divulge your bank account details. Brex’s ability to monitor your bank account balance has an impact on how your card’s limit is determined, which may be 10x to 20x greater than any other business credit cards.

Brex’s rewards program is particularly unique in terms of spending categories and points earned: 8x on ridesharing, 5x on Brex travel, 4x on restaurants, 3x on recurring software subscriptions, and 1x on everything else. Cash, gift cards, bill credit, and miles may all be exchanged for points. Because it’s a charge card with no interest, the amount must be paid in full each payment cycle.

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard®: Best for Introductory Offer and Introductory APR of 0%

Triple Cash Rewards from U.S. Bank for Business Mastercard World EliteTM

APR of 0% for 15 billing cycles

Apply Now

On the secure website of US Bank

Compare with

APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

• Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
• Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
• All other qualified net purchases will earn you 1% cash back.
• There is no limit to the total amount of cash back that may be received.
• Reward points never run out.
• For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
• Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
• There is There is no yearly charge…

Pros

• Purchases and balance transfers are both eligible for a 0% APR.
• Cash back benefits are available indefinitely.
• There is There is no yearly charge..

Cons

• Even during the promotional period, there is a balance transfer cost.
• Cash advances are not subject to the intro APR.

• Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
• Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
• Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

• Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
• Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
• All other qualified net purchases will earn you 1% cash back.
• There is no limit to the total amount of cash back that may be received.
• Reward points never run out.
• For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
• Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
• There is There is no yearly charge…

Pros

• Purchases and balance transfers are both eligible for a 0% APR.
• Cash back benefits are available indefinitely.
• There is There is no yearly charge..

Cons

• Even during the promotional period, there is a balance transfer cost.
• Cash advances are not subject to the intro APR.

• Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
• Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
• Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® offers a APR of 0% for 15 billing cycles, which is especially helpful if you need to make any large purchases. If you’re able to pay the balance off entirely by the time the introductory offer ends, you’ll have financed the purchases interest-free. Also, in the first 150 days, you can earn $500 cash back after spending just $4,500. Not only that—you also get ongoing rewards with 3% cash back at eligible gas stations, office supply stores, and mobile phone service providers, and 1% cash back on all other eligible purchases. We named it one of the best cards for startup businesses.

Best for Everyday LLC Expenses: American Express Blue Business® Plus

American Express’s Blue Business® Plus Credit Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

2x points per $1 and a 0% introductory APR for the first 12 months

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on American Express’s Blue Business® Plus Credit Card’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Introductory APR of Purchases are tax-free. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Introductory APR of Purchases are tax-free. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Why we like it: The American Express Blue Business® Plus Card is comparable to the American Express Blue Business CashTM Card, except instead of cash, you get points. If your monthly costs fluctuate, this card may be a good choice since you may earn 2x points on each qualified purchase for the first $50,000 of the calendar year, then 1x after that. Plus, after spending $3,000 in the first three months, you’ll get 15,000 Membership Rewards® points as an introductory incentive. Gift cards, travel, and retail, such as Apple devices, home appliances, fashion and accessories, and more, may all be purchased with points.

Spark® Classic for Business by Capital One®: Best for Fair Credit Business Owners

Spark® Classic for Business by Capital One®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Owners of fair credit businesses (580 to 669)

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on Spark® Classic for Business by Capital One®’s secure website.

Compare with

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

• Every time you swipe, you’ll get 1% cash back.
• Build your company’s credit by using it responsibly.
• Employee cards may be distributed for free.

Pros

• Possibility of obtaining business credit
• Fair credit is all that is required.
• There is There is no yearly charge..

Cons

• There is no introductory APR of 0%.
• There is no sign-up incentive.
• High APR

• Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
• Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
• Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

APR on a regular basis

269,9% (Variable)

Credit is required.

Average, Reasonable, and Limited

• Every time you swipe, you’ll get 1% cash back.
• Build your company’s credit by using it responsibly.
• Employee cards may be distributed for free.

Pros

• Possibility of obtaining business credit
• Fair credit is all that is required.
• There is There is no yearly charge..

Cons

• There is no introductory APR of 0%.
• There is no sign-up incentive.
• High APR

• Purchase protection: If your qualifying products are stolen or damaged during the first 90 days of purchase, Capital One will replace, repair, or refund you.
• Extended warranty protection: On qualifying products bought with your business card, you’ll receive an extra year of warranty protection, up to one year beyond the manufacturer’s guarantee.
• Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Spark® Classic for Business by Capital One® card.

Why we like it: If you’re a business owner with fair credit (580 to 669), the Spark® Classic for Business by Capital One® card can help you get back on track. Don’t worry about spending categories as this straightforward card pays you 1% cash back on all business purchases with There is There is no yearly charge… As you continue to make on-time payments, you’ll be financing your business, building credit history, and improving your eligibility for a wider range of business credit cards, all at the same time.

How Did We Pick the Best LLC Credit Cards?

We considered aspects crucial to LLC owners while determining the best LLC credit cards. Fees, interest rates, introductory rates, incentives, and awards were all investigated. All of these may assist you in making long-term financial savings.

Conclusion

Consider your company objectives and which card may assist you achieve them when choosing the appropriate card for your LLC. It’s a good idea to think about how you’ll utilize the card ahead of time. A card with defined expenditure categories or an unlimited usage card may be the best option for you. You may use the card’s qualities to fund your company after you’ve found the perfect one.

The “small business credit cards” are the best way to get a small business started. They can help you grow your company and make it easier to manage finances.

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