Can an LLC Really Get a Credit Card? – Yes, But Avoid This Mistake + FAQs

Yes, an LLC can get a credit card.

A limited liability company (LLC) is a legal business entity, and it is eligible to apply for business credit cards just like any other business structure. In practice, getting a credit card for your LLC usually means applying for a business credit card in the company’s name.

Approval typically depends on factors like the owner’s personal credit history, the LLC’s financial standing, and sometimes a personal guarantee from the business owner. Below, we dive into everything you need to know – from avoiding common pitfalls to understanding legal nuances – so you can confidently obtain and use a credit card for your LLC.

Avoid These Mistakes When Applying for an LLC Credit Card

Applying for a business credit card as an LLC is straightforward, but there are some pitfalls to avoid. Steering clear of these common mistakes will improve your chances of approval and protect your business’s financial health:

• Commingling personal and business expenses: Don’t use your LLC’s credit card for personal purchases, and vice versa. Mixing finances undermines your LLC’s liability protection and complicates bookkeeping. Always keep business spending separate to maintain the legal separation between you and your company.

• Assuming no personal liability: Many first-time business owners assume the LLC’s limited liability means they aren’t personally responsible for credit card debt. In reality, most issuers require a personal guarantee, especially for new or small LLCs. This means you are personally on the hook if the company can’t pay, despite the LLC structure. Avoid treating an LLC credit card as “risk-free” personal debt – you must repay it just like a personal card.

• Applying with poor credit or no preparation: An LLC with no credit history will be judged largely on the owner’s personal credit. If your personal credit score is low, don’t rush into multiple applications hoping one will stick – you’ll rack up hard inquiries and likely get rejected. Instead, work on improving your credit first or consider a secured business card. Also, ensure your business is properly set up (EIN obtained, business bank account open, correct business address) before applying. Incomplete or inconsistent information can lead to denial.

• Ignoring fees and terms: Not all business credit cards are equal. Avoid cards with high fees or unfavorable terms unless they offer value your LLC needs. For example, some cards have high annual fees or penalty interest rates. Since business cards aren’t subject to certain consumer protections, the issuer could raise your rate or charge hefty late fees. Read the fine print and choose a card with terms you can manage. Look for a grace period, reasonable APR, and rewards that match your spending.

• Missing payments or misusing credit: Treat your LLC’s credit card with the same discipline as a personal card. Late payments can damage your business credit profile and may even show up on your personal credit report (depending on the issuer). Likewise, maxing out the card can hurt your credit utilization. Avoid spending more than the business can afford. Use the card for planned business expenses, and pay the balance on time. Responsible use will build your LLC’s creditworthiness and increase your credit line over time.

By avoiding these mistakes – mixing finances, underestimating personal liability, applying unprepared, choosing the wrong card, or mismanaging payments – you set your LLC up for success with its new credit card. Now, let’s clarify some key terms and concepts related to business credit cards for LLCs.

Key Terms You Should Know

Before diving deeper, it’s important to understand a few key terms and concepts in the context of LLCs and credit cards:

• LLC (Limited Liability Company): A business structure that provides its owners (called members) with personal liability protection. This means the owners are generally not personally responsible for the company’s debts or liabilities. An LLC is a separate legal entity that can own property, enter contracts, and yes, even apply for credit in its own name. (For tax purposes, an LLC’s income can “pass through” to owners, but that’s separate from credit considerations.)

• Business Credit Card: A credit card intended for business use, issued to a company (like an LLC) rather than an individual. It often carries the business’s name on the card. Business credit cards typically offer rewards or cash back geared toward business spending (e.g., office supplies, travel) and often have higher credit limits than personal cards. Importantly, business credit cards are not covered by some consumer protection laws that personal cards are, meaning terms and fees can differ (more on that later).

• Personal Guarantee (PG): A personal guarantee is a legal agreement that the business owner(s) will be personally responsible for paying back the credit card debt if the business itself can’t pay. Almost all major credit card issuers require a personal guarantee for small business credit cards, especially if the LLC is new or has no significant credit history of its own. By signing a personal guarantee, you as the owner essentially co-sign the credit card agreement. This ties your personal credit to the card’s obligations – if the LLC defaults, the lender can pursue your personal assets despite the LLC’s limited liability protection.

• EIN (Employer Identification Number): A federal Tax ID number issued by the IRS to identify a business entity. An LLC should have an EIN, which is used when opening business bank accounts and applying for credit in the LLC’s name. Think of it as the business’s Social Security Number. When you apply for an LLC credit card, you’ll almost always be asked for the company’s EIN (if it has employees or is a multi-member LLC) along with the owner’s SSN. The EIN helps establish the business’s credit profile separate from personal credit.

• Business Credit Score: Just as individuals have credit scores (FICO, etc.), businesses have credit scores and reports. Agencies like Dun & Bradstreet, Experian Business, and Equifax Business track an LLC’s credit accounts and payment history. For example, Dun & Bradstreet uses a PAYDEX score to rate how quickly a business pays its bills. When you use a business credit card and pay on time, the issuer may report positive activity to these business credit bureaus, building your LLC’s credit profile. However, not all business card issuers report regular activity to personal credit bureaus (many only report if there’s a default). Understanding this separation is key: the goal is to build business credit under your LLC’s EIN, so eventually the LLC can qualify for credit on its own.

• Corporate Credit Card: Often mentioned in contrast to a small-business credit card, a corporate credit card is typically issued to larger, established companies that have substantial revenues and business credit history. Corporate cards usually do not require a personal guarantee from an owner or executive, because the company’s financials alone back the debt. They might require the company to have a certain number of years in business or a minimum annual revenue (e.g., $4 million or more) to qualify. While your LLC is small, you’ll be looking at small-business credit cards (with a PG), but as it grows, it could eventually qualify for corporate cards that rely solely on the LLC’s creditworthiness.

• Authorized Officer/Signer: In the context of applications, this refers to the person who is authorized to apply for credit on behalf of the LLC. If you’re the owner or a managing member of the LLC, that’s you. You’ll sign the application as the authorized officer, indicating you have the authority to bind the company to the credit card agreement (and you’ll likely also sign the personal guarantee in your own capacity).

Understanding these terms – LLC structure, business credit cards vs. corporate cards, personal guarantees, EIN, and business credit scores – will help you navigate the application process and manage the credit card effectively. Next, let’s look at how eligibility works and provide detailed examples of different LLC scenarios when obtaining a credit card.

LLC Credit Card Eligibility: Detailed Examples and Scenarios

Not every LLC is the same when it comes to credit card eligibility. Factors like the age of the LLC, its revenue, and the owner’s personal credit all play a role. Here are some detailed examples and common scenarios illustrating how an LLC can get a credit card and what to expect:

Example 1: New Single-Member LLC with Good Personal Credit

Scenario: Jane just formed a single-member LLC for her freelance design business. The LLC is brand new with no business credit history or revenue yet. However, Jane has an excellent personal credit score (say 780) and a solid income from her previous job. She wants a credit card in the LLC’s name to pay for business software and supplies, keeping them separate from her personal expenses.

What to expect: Jane applies for a small business credit card from a major issuer (for example, the Chase Ink Business Cash or American Express Blue Business Plus). During the application, she provides her LLC’s details (name, EIN, address) and her own personal information (SSN, income, credit history). Because her personal credit is strong, there’s a high chance of approval – essentially, the bank is extending credit to her LLC based on Jane’s personal guarantee and creditworthiness. The card, once approved, will have the LLC’s name on it along with Jane’s name as the cardholder. Jane might get a modest credit limit initially (reflecting the business being new), but as she uses the card responsibly and pays on time, the issuer may increase the limit and her LLC will start building its own credit profile. Key takeaway: Even a brand-new LLC can get a credit card if the owner’s personal credit is good and they’re willing to personally guarantee the debt.

Example 2: New LLC with Limited or Poor Personal Credit

Scenario: Mike launches an LLC for a home-based retail startup. The business is new and, unfortunately, Mike’s personal credit score is around 600 due to some past financial hiccups. He doesn’t have much in savings, but he needs a credit card to buy inventory for his new business.

What to expect: With a fair or poor personal credit score, getting an unsecured business credit card will be challenging. Most big banks (like American Express, Chase, Capital One, etc.) are likely to decline Mike’s application because the risk appears high – the LLC has no track record, and the owner’s credit history is below their standards. However, Mike still has options. He could look into a secured business credit card. For instance, some banks offer secured cards where he can put down a cash deposit (say $1,000) which becomes his credit line. Alternatively, Mike might start by opening a business credit card with a bank that has more lenient underwriting for fair credit, or use a personal credit card temporarily (keeping strict records) until he boosts his credit score. Another strategy is to establish small trade lines with vendors (net-30 accounts that report payments to business credit bureaus) to build the LLC’s credit. Over time, as Mike improves his personal credit and shows some business revenue, he can reapply for a regular business credit card. Key takeaway: If your personal credit isn’t strong, an LLC can still get a credit card, but you may need to start with secured cards or credit-building steps. Patience and improving your credit will eventually open doors to standard business cards.

Example 3: Established LLC with Solid Revenue and Credit History

Scenario: ABC Consulting LLC has been in business for 5 years. It’s a multi-member LLC with several employees, and it generates $500,000 in annual revenue. Over the years, ABC Consulting has established some credit history – it has a business line of credit with its bank and a good reputation for paying vendor invoices on time. The LLC’s Dun & Bradstreet PAYDEX score is strong. The owners, Tom and Lisa, each have good personal credit as well. They are looking to get a new business credit card to earn rewards on travel and office expenses, and they prefer not to constantly worry about personal credit implications.

What to expect: ABC Consulting LLC has more leverage now. When the owners apply for a card like the American Express Business Gold Card or Capital One Spark Cash for Business, they still provide personal guarantees (most issuers will insist, until a business is very large). However, because the LLC has an established financial record, the credit limit offered could be much higher – enough to cover their monthly business spending needs. Additionally, some banks might approve the card with the understanding that they’ll primarily consider the business’s financials (revenue, existing business credit accounts) alongside the owners’ credit. Tom and Lisa might notice that this new card’s activity doesn’t show up on their personal credit reports, as long as the account remains in good standing. This is common with business credit cards: the issuer only reports to commercial credit bureaus (and not to personal bureaus) unless there’s a default. The LLC’s on-time payments will further boost its business credit profile. In time, ABC Consulting may even negotiate for a higher line of credit or a card with expanded employee cards for their staff. Key takeaway: An LLC with a few years of history and good revenue will find it much easier to get high-limit business credit cards, though a personal guarantee by owners is usually still required. The stronger the business finances, the more the approval decision leans on the business itself.

Example 4: Large LLC or Corporation with No Personal Guarantee (Corporate Card)

Scenario: TechSolutions LLC has grown over 10 years into a mid-sized company with $10 million in annual revenue and 100 employees. It’s no longer just a small business; it’s a well-established enterprise. The company’s financial statements are robust, and it has credit relationships with banks and lenders in the company’s name only. The CFO wants a corporate credit card program so several employees can have cards for travel and procurement, without executives having to personally guarantee every card.

What to expect: TechSolutions can likely qualify for a corporate credit card program. Companies like American Express, JPMorgan Chase, or Citibank offer corporate cards tailored for large businesses. The application for a corporate card focuses on the company’s assets, revenue, and credit history instead of personal credit scores. Often, if approved, the issuer does not require any one person to be liable personally – the LLC (or corporation) itself is the responsible party. For example, Amex might issue a corporate card account where TechSolutions LLC is liable for all charges. Typically, corporate card agreements require the company to pay the balance in full each month (they’re often charge cards rather than revolving credit cards), and they may come with robust expense tracking tools. Keep in mind, these corporate programs have high requirements: a strong credit rating for the business, a certain minimum annual revenue, and sometimes an incorporation (some issuers prefer a corporation structure, though LLCs can qualify if they meet the criteria). Key takeaway: Once an LLC grows large enough to stand on its own financially, it can obtain credit cards without tying the owner’s personal credit or guarantee. Until then, small and mid-sized LLCs should expect to sign personally on most business credit card applications.

These examples cover a spectrum of situations – from a one-person startup LLC to a mature company. In every case, an LLC can get a credit card; the differences lie in the approval requirements and terms. New and smaller LLCs lean heavily on the owner’s personal credit and guarantee, whereas bigger LLCs with established credit can leverage their business history.

Next, we will explore the legal and regulatory side: what federal rules apply to business credit cards and how state-specific laws or practices might affect your LLC when getting a credit card.

Legal Considerations and Regulatory Comparisons for LLC Credit Cards

When an LLC obtains a credit card, there’s a mix of federal law and state law that comes into play. While you don’t need a law degree to get a credit card, being aware of the legal framework can help you understand your rights and obligations. Here’s a breakdown of the key legal aspects:

Federal Regulations and Protections (or Lack Thereof) for Business Credit Cards

Federal regulations in the United States treat business credit cards differently from personal consumer credit cards. Some of the major federal laws to be aware of include:

• Truth in Lending Act (TILA) and the CARD Act: The Truth in Lending Act and the Credit CARD Act of 2009 introduced many protections for consumers (like limiting interest rate hikes, fee disclosures, etc.). However, these rules mostly do not apply to business credit cards. For instance, a bank issuing a personal credit card must give 45 days’ notice before increasing interest rates and cannot randomly change terms on a whim; those rules aren’t required for business cards. This means your LLC’s credit card interest rate could technically be raised without the same notice (though many issuers voluntarily extend some protections to business customers). Also, there’s no legal cap on late fees or penalty APR for business accounts beyond what’s in the contract. Bottom line: as an LLC cardholder, read your agreement carefully, because federal law won’t protect you from sudden changes or high fees the way it would if you were a consumer using a personal card.

• Equal Credit Opportunity Act (ECOA): This federal law prohibits discrimination in credit lending. It applies to business credit as well. That means when your LLC applies for a credit card, the issuer cannot discriminate based on race, gender, religion, etc. (same as for personal credit). They must consider your application based on creditworthiness and business factors, not on personal characteristics of the owners beyond credit factors. ECOA also means you have a right to a notice of adverse action – if your LLC’s application is denied, you should receive a letter explaining the main reasons (e.g., insufficient credit history, low credit score, etc.), just as you would for a personal card.

• Personal Liability and Guarantees: From a federal standpoint, because most small business credit cards require a personal guarantee, both the LLC and the individual guarantor are liable for the debt. If the card goes into default, the issuer can pursue the LLC’s assets and the owner’s personal assets (house, bank accounts, etc. except any protected by other laws). This isn’t a specific “act” or regulation but a legal reality of signing a personal guarantee on a business debt. Federal bankruptcy law also treats business debts differently – if things go really south, an LLC can declare bankruptcy to discharge credit card debt, but if you’ve guaranteed it, creditors might come after you unless you personally file bankruptcy as well. It’s heavy stuff, but worth knowing the stakes when you sign that application.

• Regulatory Oversight (CFPB, OCC): Even though business cards have fewer mandatory protections, they’re still subject to oversight for unfair or deceptive practices. The Consumer Financial Protection Bureau (CFPB), for example, can field complaints from small business card users and take action if a credit card company is doing something fraudulent or egregious. Additionally, if your card is issued by a national bank, the Office of the Comptroller of the Currency (OCC) regulates that bank. Anti-fraud and identity theft rules also apply – under the USA PATRIOT Act and Bank Secrecy Act, banks must verify business owners’ identities (so expect to provide your SSN, EIN, and possibly documents) as part of anti-money laundering (AML) regulations. All these ensure that while your LLC is free to get credit, it must do so transparently and lenders must treat you fairly in terms of opportunity.

In summary, at the federal level, your LLC doesn’t get the full cozy blanket of consumer credit card protections. You must be proactive: know what you’re signing, and manage the account responsibly. Now, let’s consider state-specific nuances that might affect an LLC’s credit card.

State-Specific Nuances and Legal Considerations

Business credit cards are largely a product of federal law and the policies of national banks, but that doesn’t mean state laws are irrelevant. Here are some state-level nuances to keep in mind for your LLC’s credit endeavors:

• LLC Formation and Good Standing: Since LLCs are formed under state law, the legitimacy of your business in the eyes of lenders can depend on state-related factors. Ensure your LLC is properly registered in your state (or any state where it operates). When you apply for a credit card, especially with a bank where your business is located, the bank might check that your LLC is in “good standing” (i.e., up-to-date with state filings and fees). For example, if you formed your LLC in Delaware but are doing business in California, you should register as a foreign LLC in California. A bank in California could ask for your California registration or a certificate of good standing. Nuance: Some local banks or credit unions may refuse business credit to an out-of-state LLC that hasn’t registered locally, citing state compliance issues. Always keep your state paperwork in order to avoid any hiccups.

• State Usury and Interest Laws: Each state has its own laws about maximum interest rates (usury laws). However, most credit card issuers work around state interest limits by basing their operations in states with very lax or no interest caps (like Delaware, South Dakota, or Utah). What this means: if your LLC’s credit card is issued by, say, a bank chartered in Delaware, the interest rate terms follow Delaware law (which has no hard cap on interest for revolving credit). On the other hand, if you get a credit line from a local bank in a state with strict usury laws, those state limits might apply. For practical purposes, major credit cards will all have similar high-end APRs regardless of your state, but it’s interesting to know why. Nuance: If you ever feel an interest rate or fee is extraordinarily high, you could check your state’s laws or consult an attorney – but in most cases, the terms you agreed to will govern, thanks to federal law allowing “export” of interest rates across state lines.

• Community Property States: If you live in a community property state (like California, Texas, Arizona, etc.) and you’re the owner of an LLC, a quirky nuance arises if you’re married. Debts incurred during marriage can sometimes be considered owed by the marital community. If you personally guarantee an LLC credit card while married, in a community property state, a creditor could potentially go after joint assets (community property) even if your spouse isn’t on the card. Now, issuers usually have the guarantor sign individually, and they don’t require spousal signatures thanks to ECOA (which would consider that discrimination unless the spouse is a co-owner of the business). But from a state law perspective, just be aware that marriage and state property laws might entwine with personal guarantees. It’s a niche issue, but relevant for asset protection planning.

• State Business Credit Initiatives: Some states encourage small business financing through local programs or have local banks that offer starter credit products. While not about credit cards per se, you might find that, for example, your state’s economic development agency partners with community banks or offers loan guarantee programs. This could indirectly help your LLC in getting approved for a small line of credit or a credit card if a local program vouches for new businesses. It’s worth researching “[Your State] small business credit programs” if your LLC is newly established and struggling to get credit. While a traditional credit card from a big bank has uniform standards, a local institution in your state might be more flexible if there are state-backed guarantees or incentives.

• Legal Enforcement and Remedies: If the unfortunate happens and your LLC cannot pay its credit card debt, state law governs how the creditor can collect. They would likely file a lawsuit in your LLC’s home state (or the state specified in the credit card agreement). If you didn’t give a personal guarantee, they can only go after the LLC’s assets. State LLC laws generally protect personal assets unless a court finds reason to “pierce the LLC veil” (which is rare and usually involves fraud or serious commingling of funds). If you did sign a personal guarantee, then in effect it becomes like any other personal credit card debt – they could sue you personally. State laws vary on what property can be seized or garnished, but broadly, business debts follow similar collection processes across states. The key is to avoid reaching that point by managing debt wisely.

In a nutshell, while federal law sets the stage for how business credit cards operate, state laws influence the context – ensuring your LLC is legally registered and in good standing, affecting interest rates in some cases, and determining liability in collections. Keep your LLC compliant with state requirements and understand any unique local rules, and you’ll minimize surprises.

Now that we’ve covered regulations and legal angles, let’s consolidate what we’ve learned by comparing common scenarios in a handy table, and then we’ll tackle some frequently asked questions from business owners just like you.

Breakdown of Common LLC Credit Card Scenarios (Table)

Every LLC’s situation is unique, but many fall into common categories when seeking a credit card. Below is a breakdown of typical scenarios and how they usually play out, to help you identify where your business fits:

LLC Situation	Can the LLC Get a Credit Card?	Likely Outcome & Recommendations
Brand-new LLC, no revenue yet, owner with good personal credit (700+ FICO)	Yes – likely approval with personal guarantee.	Outcome: High chance of approval for a starter business credit card (e.g., Amex, Chase, Capital One). Expect a modest credit limit at first. The card will rely on the owner’s credit. Recommendation: Use it wisely to build the LLC’s credit. Pay on time to possibly increase limits and get better terms over time.
New LLC, owner has poor personal credit (< 650 FICO)	Possible, but difficult for unsecured card.	Outcome: Unsecured business card likely denied by major issuers due to credit risk. Recommendation: Consider a secured business credit card (requires a refundable deposit). Work on improving personal credit. Also start building business credit through small vendor accounts. Reapply for an unsecured card after boosting credit score.
LLC 2+ years old, moderate revenue (e.g., $100k/year), owner with decent credit	Yes – good chance with mainstream business card.	Outcome: Approval likely for a business credit card with a higher limit than a startup. Issuers will still check personal credit, but they also take the business’s revenue and credit history into account. Recommendation: Leverage the business’s track record when applying – mention your revenue and existing business accounts. You might qualify for cards with better rewards or a 0% introductory APR offer for business purchases.
Established LLC with strong revenue and business credit history (e.g., several years in business, solid PAYDEX score)	Yes – very likely, possibly large credit lines.	Outcome: Easy approval for multiple business cards or higher-tier cards. Still usually requires personal guarantee unless extremely robust financials. However, some issuers might not require a PG if the business credit is stellar and financials are provided. Recommendation: Shop around for premium business cards that offer top-tier rewards (travel points, cash back) or perks (airport lounge access, higher cashback on categories). Also consider asking your bank about a small business line of credit in addition to cards, as your LLC likely qualifies.
Large LLC or Corporation (well-established, high annual revenue, many employees)	Yes – can qualify for corporate credit card programs.	Outcome: Likely eligible for corporate credit cards without personal guarantees. The issuer will base approval on the company’s audited financial statements and credit ratings. Multiple employee cards can be issued under one account. Recommendation: Contact issuers like American Express, Chase, or Citi for their corporate card offerings. Compare benefits like expense management tools, insurance protections, and payment terms. Ensure your internal accounting can manage a centralized bill if it’s a charge card due monthly.

How to use this table: Identify which scenario best matches your LLC. If you’re just starting out with good personal credit, the path is straightforward – apply and leverage your credit. If your personal credit is shaky, know that you have preparatory steps to take (secured card, credit building). As your business grows, you’ll have access to better products and maybe even ditch the personal guarantee eventually. Each step of the way, align your strategy with where your LLC stands in this table.

Frequently Asked Questions (FAQs)

Below are answers to common questions business owners (often on forums like Reddit and entrepreneur communities) have about LLCs and credit cards. Each answer is concise, addressing the core of the question.

Q: Do I need a separate credit card for my LLC, or can I use my personal card?
A: It’s not legally required, but using a dedicated business credit card is highly recommended. Separating business expenses helps with bookkeeping, taxes, and maintains your LLC’s liability protection.

Q: Can my LLC get a credit card without a personal guarantee?
A: Rarely for a small business. Most issuers require a personal guarantee unless your company is very established. Only large, credit-strong companies can get business cards with no personal guarantor.

Q: Does an LLC have its own credit score?
A: Yes. Over time your LLC builds a business credit profile (separate from your personal credit). Paying business credit cards and loans on time will establish the LLC’s own credit score with business credit bureaus.

Q: Can I apply for a business credit card with just my EIN and no SSN?
A: Not in most cases. Major banks require the owner’s SSN and personal credit check for business card applications. A true “EIN-only” credit card is typically available only to large corporations or via specialized vendors after you’ve built substantial business credit.

Q: What credit card can I get for a brand-new LLC?
A: If your personal credit is good, you can apply for popular small business cards like the Chase Ink, Amex Blue Business, or Capital One Spark. These cater to new businesses. Pick one that matches your spending (cash back vs travel rewards).

Q: Will a business credit card affect my personal credit?
A: The inquiry for a new card will show on your personal report. After that, most business cards won’t report routine activity to personal credit bureaus unless you default. So, using the card responsibly shouldn’t hurt your personal score.

Q: What happens if my LLC can’t pay the credit card bill?
A: If you provided a personal guarantee, the issuer will require you personally to pay – it can hurt your personal credit and finances. If no personal guarantee (uncommon for small LLCs), the lender can pursue the LLC’s assets and may sue the LLC. In either case, defaults can damage the business’s credit and potentially lead to legal action.

Q: What do I need to apply for an LLC credit card?
A: You’ll typically need your LLC’s legal name, its EIN, the business address and phone number, and your own personal information (name, Social Security Number, income). Some applications ask for estimated business revenue and industry type. It’s wise to have an existing business bank account and basic financial info on hand when applying.

Q: Can a single-member LLC get a business credit card?
A: Absolutely. A single-member LLC is treated the same as any small business in the eyes of credit card issuers. The application will rely on that single owner’s credit and guarantee, but the card will be in the LLC’s name.

Q: Should I get a business credit card right when I start my LLC?
A: If you have business expenses and decent personal credit, it’s a good idea to get a business card early. It helps establish credit for your LLC and keeps your finances organized. Just ensure you use it wisely and not rack up debt without a repayment plan.