Forming an LLC is one of the most important moves to make when starting a business. If you own an LLC, you can get the benefits of having a business checking account, an Employer ID Number (EIN) for tax purposes, and business credit cards to pay for your company's expenses.
Being an LLC owner means your time is valuable, so it's important to quickly figure out how to choose the right business credit card. And don't worry -- if your credit score is strong, you can apply for more than one business credit card, or add more cards to your wallet over time.
Here are a few questions to ask yourself when choosing the best business credit card for your LLC.
How much money does your business spend each month?
Not every LLC is a big business with lots of employees. If you have a smaller-sized business or if you run a solo-entrepreneur single-member LLC, your monthly business expenses might be low. So choose a business credit card that has a welcome offer where the required spending is low enough for your company to earn the bonus points.
Or if you run a larger business that spends thousands of dollars per month, choose a business credit card where you won't exceed the spending caps on certain categories. You ideally want to earn credit card reward points for every dollar your business spends, without going over the limit on how much rewards your credit card will pay.
How much business travel do you do?
If you're always traveling for business, going to conferences, meeting clients, and working remotely, you should choose a business credit card with great travel rewards.
Some of the cards on this list offer higher rewards for travel spending, such as the American Express® Business Gold Card and the Ink Business Preferred® Credit Card. Some of the best travel credit cards also offer built-in travel protections and insurance, like rental car collision damage waiver.
What are your biggest categories of business spending?
Some credit cards on this list offer generous rewards for spending on office supplies, gas, internet service, and other specific categories of expenses. That's great if your business buys lots of office supplies -- but what if you don't? Make sure you're getting decent credit card rewards for every dollar you spend.
If you're not a big spender on any bonus categories, or if you don't want to spend time figuring out "how much did I spend on wireless service and electronics last year," you might want to choose a simpler business credit card for your LLC, like the Ink Business Unlimited® Credit Card with unlimited 1.5% cash back for all business purchases.
Do you want cash back, travel reward points, or both?
The Costco Anywhere Visa® Business Card by Citi is kind of unusual, because its cash back rewards are only delivered once per year, and in the form of a reward certificate that can be used for Costco purchases. But most of the best business credit cards for LLCs offer more flexible reward redemptions.
Before you choose a business credit card, check to see if the points you earn can be redeemed for cash (in the form of statement credits), redeemed for travel, or transferred to other credit cards from the same issuer. The best business credit card for your LLC should let you earn points and redeem those points in whatever way is most meaningful and valuable for your business -- and your life.
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