Business Credit Card

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We recommend finding a business credit for your LLC at CreditCards.com

After opening your business bank account (and getting a debit card), you may also want to get a credit card for your LLC.

Business credit cards offer more rewards than just a debit card, such as cashback and travel.

Getting a business credit card also help builds your LLC’s credit history, which is separate from your own personal credit.

When applying for an LLC credit card, you will need:

  • Federal Tax ID Number (aka EIN)
  • your social security number
  • business address

We recommend using CreditCards.com to compare the latest business credit cards.

To learn more about getting a credit card for your LLC, please see how do I get a credit card for my LLC.

Matt Horwitz
Matt Horwitz
Matt Horwitz is the leading expert on LLC education, and has been teaching for 15 years. He founded LLC University in 2010 after realizing people needed simple and actionable instructions to start an LLC. He's cited by Entrepreneur Magazine, Yahoo Finance, and the US Chamber of Commerce, and was featured by CNBC and InventRight.
 
Matt holds a Bachelor's Degree in business from Drexel University with a concentration in business law. He performs extensive research and analysis to convert state laws into simple instructions anyone can follow to form their LLC - all for free! Read more about Matt Horwitz and LLC University.

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25 comments on “Business Credit Card”

Disclaimer: Nothing on this page shall be interpreted as legal or tax advice. Rules and regulations vary by location. They also change over time and are specific to your situation. Furthermore, this comment section is provided so people can share their thoughts and experience. Please consult a licensed professional if you have legal or tax questions.

    • I think it can be really difficult without an SSN or ITIN. But if you have an SSN or ITIN, yes, you can apply online.

  1. Hello I opened my business 2018 and still active and I didn’t know I can apply for business credit card until now so can you please help me with some information thank you

    • Hi Mohamed, after you find a business credit card that you like, you’ll just apply like any regular credit card application. The only difference is you’ll use your LLC’s name and EIN in addition to your personal information. Hope that helps :)

  2. I also forgot to tell you that on all the LLC application for credit at the bottom they ask for who is making this request and require my SS number and who will be responsible for this debt and they require my personal SS number then they pull my personal credit. Even though on the application I supplied my EIN number.

    • Hi Dustin, that’s the way it is when I get credit cards for my LLC. The “industry” you’re referring to is about building business credit and it’s not something we get involved in, either by taking actions ourselves or writing about it. And frankly, it’s a pretty shady space with questionable tactics. Be careful with the information you consume. Hope that helps and thanks for understanding.

      • My regards Matt, Great website man, simple to the point. THANK YOU!!!
        (The following is NOT directed or a response to anyone person specifically, and IT is MY opinion, NOT this website’s and/or its owner) The problem is the “information” mercilessly disseminated on platforms such as YouTube where there is no shortage of “experts” shelling out advice that, frankly, should be criminal, regarding a “legal fraud” tactic called Credit Stacking. Credit Stacking is a way for an individual to basically borrow from Paul to pay Peter type of thing where someone opens an LLC and proceeds to open “several” bank accts business loans, charge cards etc in the name of the LLC, while never actually having any functioning or purposeful business activity whatsoever. They borrow, write checks, spend and splurge, and maintain the charade for a few months by borrowing from Peter to pay Paul, and eventually Peter starts asking questions and Paul wants his money…and than they simply go back to the life the temporary left when they had the epiphany to reinvent themselves as a result of some EXPERT MORON on YouTube shelling out expert advice from his basement…anything for few clicks. The chink in the armor is the greed by the small business loan sharks online (brokers) who don’t care about the fact that often it is obvious that the application in front of them is screaming and stinking of credit stacking, but that commission is what matters…and it goes on and on and on, and after every 8+ hr. shift that you and me pull my friend, we ultimately are left holding the bag in the form of interest rates, higher insurance premiums, and just generally harder to conduct business, just because Joe Shmoe had an epiphany. I musty of been a real fool for the money spent on education, blood, sweat, and tears and all the hard work, I could of just watched Ezzy D Mony’s YouTube video and been ….well maybe not.

        • Thanks Admir! And man LOL… love this comment. You’re so right. I really dislike the business credit space. I usually keep my replies simple and a bit vague, but you sum up some key points well here ;)

  3. I just opened a single member LLC. I’ve been opening up several accounts such as at NAPA, COOP, and a business fuel card. I supply my EIN number but they are all pulling my personal credit report to make the decision. They are also requiring my SS number with an LLC. Why is this happening?

  4. My personal credit stinks are there secured business credit cards i can apply for i have a LLC for real estate?

    • Hi Derek, we’re not sure, but you can call a few credit card companies and ask.

      • Is it set in stone that to get credit cards for the Business that your personal SSN is required???

  5. what do I need to do to add a partner in an existing llc

    • Hi Kenny, you’ll want to review the Operating Agreement to check procedure for adding an LLC Member. Usually it goes as follows: review Operating Agreement, prepare Assignment of Membership Interest Agreement, amend Operating Agreement, amend Articles of Organization (if applicable), notify IRS if change in tax classification, update state Department of Revenue, and update bank. Hope that helps.

  6. Hi Matt,
    I loved your website! Very helpful information! :)
    My question is if in there was no operating agreement because when the LLC formed is was only one person. But in the taxes my husband added him self as 50% of ownership would I have to make him sign a withdraw document?

    • Hi Delores, thanks so much! A situation like this is much better presented to an attorney. It’s not something we can get into as there are a handful of additional details and nuances that would need to be uncovered. Thanks for your understanding.

    • You’re very welcome Sam! Thanks for the nice comment :)

    • Hi Frank, I believe so, but not 100% sure. I think you’ll need an ITIN (Individual Taxpayer Identification Number). I think there are companies that help foreigners build credit history, but I don’t know anything about this space yet. Proceed with caution though as their could be some shady companies out there. I’d say the best way to go about it is open a business account and a personal account at the bank (in the state where you for your LLC). Then after you establish some history with them, visit the brach in person and ask about obtaining a credit card. Hope that helps. Feel free to keep me posted. I’m curious to hear what you come with.

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