How to get business credit cards for your LLC

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.

Matt Horwitz
Founder & Educator, LLC University®
Forming an LLC shouldn't be so complicated. Our step-by-step guide will make the process a breeze – and no complex legal jargon! LLC University® teaches people how to form an LLC for free in all 50 states. We hope you find our free guides and resources helpful in your business journey.

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.

    • 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.

      Reply
  1. 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?

    Reply
    • 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.

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    • 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.

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

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  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?

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  4. 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.

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    • 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.

      Reply
  5. 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

    Reply

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