As the owner of an LLC, you may be wondering if you can get a business credit card. One of the biggest misconceptions surrounding business credit cards is that you need to be incorporated to qualify for one—and that’s simply not true. The fact is, an LLC credit card isn’t just available to you as a solo entrepreneur—it’s a smart choice for improving your business’s financial stability. 

Why Should Your Business Have an LLC Credit Card?

Running an LLC means wearing multiple hats. You’re simultaneously the CEO, the salesperson, the bookkeeper, and possibly the janitor, too. A business credit card can help simplify some of these responsibilities. Here’s how:

  • Increase Your Purchasing Power. LLCs often need office equipment, materials, or technology. A business credit card allows you to get the items you need now and pay them off in 30 days—or even longer—without tapping directly into your working capital. This can be a lifesaver if you have a sudden surge in orders or if you spot an unmissable deal on critical inventory.
  • Earn Rewards for Everyday Spending. Many business credit cards for LLCs offer cash back, points, or travel rewards on standard expenditures. You can then redeem those perks for anything from statement credits to flights. It’s like getting paid (in miles or cash) to do what you already have to do anyway.
  • Establish Business Credit. Business credit is like your company’s financial reputation. It can help you secure better loans, higher credit lines, and lower interest rates. Opening a business credit card and using it wisely (like paying it on time, keeping your balance low) is one of the quickest ways to start building that all-important credit profile.
  • Get Affordable Short-Term Financing. If you pay off your card monthly, a business credit card can help you manage short-term working capital needs without racking up a pile of interest fees. It’s often cheaper and simpler than going for a loan if you only need to float expenses for a few weeks.
  • Separate Personal and Business Expenses. One major benefit of having an LLC is to limit your personal liability. Keeping a distinct line between personal and business finances reinforces that protection. Using a business credit card exclusively for company expenses can also save hours of bookkeeping stress once tax season rolls around.

What LLCs Should Look for in an LLC Credit Card

Now that you know the benefits of a business credit card, let’s talk specifics. There are plenty of cards out there, each with distinct perks and drawbacks. A few things to keep in mind:

  • 0% Introductory Interest Rates. Cards that offer a 0% intro rate can be hugely beneficial if you know you’ll be making large purchases soon. Just be sure you pay off your big-ticket items before that rate expires, or you might get hit with some unwelcome interest.
  • Rewards That Match Your Spending Habits. If you’re racking up travel expenses, look for a card that grants more miles or points in travel categories. If you’re buying loads of office supplies, find a card that offers boosted earnings at supply stores. The best reward is the one you’ll actually use.
  • Employee Cards at No Extra Cost. If you have a staff member who travels or makes purchases on behalf of the business, employee cards can simplify reimbursements. Most issuers let you set spending limits, track usage, and lock cards remotely if one gets lost.
  • High Introductory Bonuses. Some cards offer big sign-up bonuses if you spend a certain amount in the first few months. If you know you’ll be making large purchases anyway, this can be a great way to reap a generous reward early on.
  • Transparent APR and Fee Structure. Before committing, read the fine print. Some business cards have annual fees, foreign transaction fees, or other charges that might cancel out the value of the rewards you earn.

How to Apply for an LLC Credit Card in 4 Steps

Getting started with your LLC credit card application takes some simple preparation. Here’s what to do, step by step:

  1. Gather Key Business Information. Most issuers need to see that your LLC is a legitimate, operating entity. Have your Employer Identification Number (EIN) on hand (if applicable), as well as documents like your Articles of Organization or an operating agreement. If you’re the only member of your LLC and don’t have an EIN, some issuers may let you apply with just your Social Security number.
  2. Know Your Personal Credit Score. Even though you’re applying for an LLC credit card, many banks will still consider your personal creditworthiness—especially if your LLC hasn’t established a robust credit history yet. It’s always a good idea to check your personal credit score beforehand. If there’s room to improve, paying down outstanding debts or addressing errors on your credit report can boost your approval chances.
  3. Have Financial Statements Ready. Lenders often want to see that your LLC has some revenue or predictable cash flow. Prepare basic financial documents (like a recent bank statement or profit-and-loss statement) to demonstrate your business’s stability. If you’re just starting out, don’t worry—some issuers are open to newer LLCs, though you might face smaller credit limits or higher interest rates initially.
  4. Compare Card Features Carefully. Before you officially apply, make sure the card’s rewards, annual fees, and any promotional APR periods actually align with your LLC’s needs. If you don’t travel much, for example, a card with high travel rewards won’t be as beneficial as one that offers cash back in everyday categories.

Pair Your LLC Credit Card With a Bank Built for Small Business

Choosing the right LLC credit card in 2025 can open doors to bigger and better financing opportunities. But don’t stop there. Having a powerful checking account that maximizes your cash also makes good financial sense. 

At North One, a high-yield business bank account offers just that: up to 3% APY on cash balances so you can put your checking account balance to work for you. Use the credit card for business expenses to earn rewards and keep finances separate, then funnel your revenue and profits into a high-yield account to watch them grow.

Explore your best-fit business credit card, then come back and look at what North One can do to support you on the deposit side. We’re all about helping you succeed so you can focus on the adventure of building and growing your LLC.