Last updated November 9, 2020

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Business Credit Card

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.

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21 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.

frank

April 17, 2018

Hi Matt,

Can a foreigner apply for an LLC credit card?
- Matt Horwitz
  
  April 17, 2018
  
  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.
Sam

May 17, 2018

Great website. Thank you very much!
- Matt Horwitz
  
  May 17, 2018
  
  You’re very welcome Sam! Thanks for the nice comment :)
Dolores Zepeda

July 15, 2018

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?
- Matt Horwitz
  
  August 12, 2018
  
  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.
kenny childs

July 17, 2018

what do I need to do to add a partner in an existing llc
- Matt Horwitz
  
  August 12, 2018
  
  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.
Derek

August 17, 2018

My personal credit stinks are there secured business credit cards i can apply for i have a LLC for real estate?
- Matt Horwitz
  
  August 18, 2018
  
  Hi Derek, we’re not sure, but you can call a few credit card companies and ask or browse through creditcards.com. Hope that helps.
  - Durrell Kinsey Bey
    
    November 8, 2018
    
    Is it set in stone that to get credit cards for the Business that your personal SSN is required???
    - Matt Horwitz
      
      November 23, 2018
      
      Hi Durrell, I’ve never seen it any other way.
Dustin

August 19, 2018

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?
Dustin

August 19, 2018

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.
- Matt Horwitz
  
  August 31, 2018
  
  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.
Deric Dotson

August 19, 2018

Thanks for responding back and answering my question.
- Matt Horwitz
  
  August 31, 2018
  
  You’re welcome Deric!
portia

December 5, 2018

Best website I ever met. Very informative and generous.
- Matt Horwitz
  
  December 5, 2018
  
  Thanks so much Portia!!
Mohamed Ali melghagh

November 21, 2020

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
- Matt Horwitz
  
  November 30, 2020
  
  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 :)

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