Every business has expenses, but the smartest LLC owners turn those costs into opportunities. Case in point: leveraging business credit card perks. The right LLC credit card can give you cash back on office supplies, points for travel, interest-free financing for big-ticket purchases, and even access to exclusive member lounges. 

But not every business credit card is built the same. Choosing the wrong one can mean leaving money on the table. If you’re ready to turn everyday spending into serious business perks, you need to know the best LLC credit cards for 2025.

What to Look for in an LLC Credit Card

The best business credit card for your LLC depends on how you spend, how you manage expenses, and what kind of perks actually benefit you. As you evaluate your business’s finance and operational needs, keep these key factors in mind:

  • Rewards That Match Your Spending. Are you racking up travel expenses? Spending heavily on marketing? Some cards reward gas and office supply purchases, while others prioritize dining or tech expenses.
  • Introductory Offers. Some cards come with a 0% APR for a limited time or large sign-up bonuses. If you plan to make big purchases, these can save you money. And—with the right card—you can earn some nice perks, too.
  • Annual Fees vs. Perks. A card with no annual fee might seem like a win. But sometimes, paying a fee makes sense if the rewards and benefits outweigh the cost.
  • APR and Fees. If you plan to carry a balance occasionally, don’t ignore interest rates. High APRs can wipe out the value of your rewards.
  • Employee Cards. Need to give team members spending power? Some cards offer free employee cards with customizable spending limits.

The Top 8 LLC Credit Cards for 2025

Flashy rewards might catch your eye, but picking the right LLC credit card takes some serious thought. You need to align your spending habits with a card that maximizes cash flow and supports your business’s long-term growth—and earning those special perks is great, too. 

Some cards will reward you for everyday purchases, while others offer high-value travel perks, big welcome bonuses, or flexible financing options. Before you apply for an LLC credit card, take an honest look at your expenses, financial goals, and the fine print. Then, start your search with these eight LLC credit cards:

1. Chase Ink Business Cash® Visa Credit Card

The Chase Ink Business Cash® Visa Credit Card is a great choice for LLCs for any business that spends big on office supplies, internet, cable, and phone services. It’s a credit card that’s ideal for newer businesses, thanks to its no annual fee and accessible credit requirements. Plus, the generous cash back rates can quickly add up.

Why It’s Great:

  • Ideal for businesses with recurring expenses in office supplies and telecom.
  • $750 bonus cash back after spending $6,000 in the first 3 months.
  • 5% cash back on the first $25,000 spent at office supply stores and telecom each year.
  • Unlimited 1% cash back on all other purchases.
  • Free employee cards, fraud alerts, and Zero Liability Protection.

Fees:

  • Annual Fee: $0
  • Intro APR: 0% for the first 12 months
  • Variable APR: 18.24% to 24.24%

2. Chase Ink Business Preferred® Credit Card

If your business is preparing for some big expenses, the Chase Ink Business Preferred® Credit Card is worth considering. It offers one of the largest welcome bonuses in the market, plus the flexibility of Chase Ultimate Rewards—perfect for travel, gift cards, or straight cash back.

Why It’s Great:

  • 100,000-point sign-up bonus after spending $8,000 in the first three months.
  • 3x points on shipping, social media, Google ad spend, internet, and phone services.
  • 5x points on Lyft rides.
  • Trip insurance, purchase protection, and no foreign transaction fees.

Fees:

  • Annual Fee: $95
  • Variable APR: 20.99% to 25.99%

3. Bank of America® Business Advantage Travel Rewards World Mastercard®

This card is great for LLCs that want travel rewards without worrying about spending categories. Plus, the 0% intro APR for nine billing cycles makes it a smart option for financing large purchases early on.

Why It’s Great:

  • No annual fee, no foreign transaction fees, and unlimited rewards on all purchases.
  • 30,000 bonus points after spending $3,000 in the first 90 days.
  • 1.5 points per dollar on all purchases.
  • Up to 75% more points if you have a Bank of America business checking account.
  • Overdraft protection and free credit score checks.

Fees:

  • Annual Fee: $0
  • Intro APR: 0% for nine billing cycles
  • Variable APR: 18.24% to 28.24%

4. Bank of America® Business Advantage Customized Cash Rewards Mastercard®

For LLCs that concentrate spending in specific categories, this card lets you choose where you earn the most rewards. That flexibility, plus no annual fee, makes it a top pick for businesses that spend predictably.

Why It’s Great:

  • Boost rewards further with Bank of America’s Preferred Rewards for Business.
  • $300 statement credit bonus after spending $3,000.
  • 3% cash back in a category of your choice, 2% on dining, and 1% on everything else.
  • Fraud monitoring, $100,000 in travel accident insurance, and zero liability protection.

Fees:

  • Annual Fee: $0
  • Intro APR: 0% for nine billing cycles
  • Variable APR: 18.24% to 28.24%

5. The American Express Blue Business Cash™

Need a straightforward cash-back card with no annual fee? This one keeps it simple: 2% cash back on everyday purchases up to $50,000 per year, then 1% after that.

Why It’s Great:

  • No annual fee, plus expanded buying power when you need extra spending flexibility.
  • 0% intro APR for 12 months on purchases.
  • Purchase Protection, Extended Warranty, and Global Assist® Hotline for travel support.

Fees:

  • Annual Fee: $0
  • Intro APR: 0% on purchases for 12 months
  • Variable APR: 18.24% to 26.24%

6. American Express® Business Gold Card

This flexible rewards card is perfect for LLCs with high spending in select categories. It automatically applies 4x points to your top two spending categories (advertising, travel, shipping, and more) each month—ideal for businesses with fluctuating expenses.

Why It’s Great:

  • No preset spending limit, offering flexibility for growing businesses.
  • 70,000 Membership Rewards® Points after spending $10,000 in 3 months.
  • QuickBooks integration and no foreign transaction fees.

Fees:

  • Annual Fee: $295
  • APR (Pay Over Time): 19.24% to 27.24%

7. The American Express Business Platinum Card®

This card is for business owners who travel often and want VIP treatment. With lounge access, statement credits, and 5x points on flights/hotels, it’s perfect for premium perks.

Why It’s Great:

  • Car rental insurance, baggage insurance, and Global Entry/TSA PreCheck credit.
  • Up to $200 in Airline Fee Credits and over 1,400 airport lounges worldwide.
  • 5x points on flights/hotels booked with Amex Travel.

Fees:

  • Annual Fee: $695
  • APR (Pay Over Time): 19.24% to 27.24%

8. Wyndham Rewards Earner® Business Card

This card is tailor-made for frequent travelers who spend heavily on gas and hotels. If your business relies on frequent travel, the high rewards rates make it a compelling option.

Why It’s Great:

  • 8x points on gas, 5x on marketing/advertising, and bonus points for Wyndham stays.
  • No foreign transaction fees and unlimited rewards.
  • 50,000 bonus points after $3,000 in 90 days; 25,000 more after $10,000 in 12 months.
  • Cellphone protection and free employee cards.

Fees:

  • Annual Fee: $95
  • Variable APR: 20.99% to 29.99%

Earn Even More With Smart Business Banking

A business credit card is a must-have tool, but it works even better when paired with a high-yield business checking account. While North One doesn’t offer a credit card, we do offer a high-yield business account with serious perks, including up to 3% APY on cash balances. That’s real money back on business expenses, plus an account that grows your cash while you manage daily transactions.

The best move? Use an LLC credit card for purchases, earn rewards, and then store your profits in a high-yield account that works just as hard as you do. It’s time to set your business up for financial success—and earn some great perks along the way. Find the right credit card and start maximizing your business banking today!