Best Business Credit Cards for Startups & LLC in USA 2026 (0% APR + $1000 Bonus)
Last Updated: August 17, 2026 | Tested by: Habaglos Digital Hub | Credit Score Required: 670+
Looking for the best business credit cards for startups & LLC in USA in 2026? We compared 15 cards - 0% APR, cashback, travel rewards, and approval for new LLCs with no revenue.
At Habaglos Digital Hub, we tested with our Wyoming LLC (EIN only, 0 revenue) to see which bank actually approves startups in USA.
🏆 Winner 2026: Chase Ink Business Preferred - 100,000 Points ($1000) + 0% APR 12 months | Best for LLC with No Revenue: Amex Blue Business Plus
Top 5 Best Business Credit Cards USA 2026
| Card |
Bonus |
0% APR |
Annual Fee |
| Chase Ink Preferred |
100k points ($1000) |
12 months |
$95 |
| Amex Blue Business Plus |
15k points |
12 months |
$0 |
| Capital One Spark Cash |
$500 cash |
12 months |
$0 first year |
| Brex Card for Startups |
No bonus |
N/A - Charge Card |
$0 |
1. Chase Ink Business Preferred - Best Overall for LLC & Startups 2026
Why We Picked It: 100,000 points bonus worth $1,000 travel or $800 cash. Best for startups spending on ads, shipping, software.
- ✅ 100,000 bonus points after $8k spend in 3 months
- ✅ 3x points on Travel, Shipping, Ads (Facebook/Google), Internet/Cable/Phone
- ✅ 0% Intro APR 12 months
- ✅ Free Employee Cards + Fraud Protection
- ✅ We got approved with Wyoming LLC EIN only - 0 revenue!
Requirements: Credit Score 700+, LLC with EIN, 0-1 year business OK
2. Amex Blue Business Plus - Best $0 Annual Fee for New LLC
Best for: LLC with no revenue, no credit history - easiest approval in USA
- ✅ $0 Annual Fee forever
- ✅ 2x Membership Points on all purchases up to $50k/year
- ✅ 0% APR 12 months
- ✅ No employee fee, 15k bonus points
- ✅ Approved our LLC with 2 months history
Can a New LLC with No Revenue Get Business Credit Card in USA 2026?
YES! At Habaglos Digital Hub, we got approved for Amex Blue Business Plus and Chase Ink with:
- Wyoming LLC + EIN only (No SSN needed for non-resident with ITIN)
- 0 months revenue - we put $0 revenue, 1 employee (yourself)
- Personal credit score 680+ (for USA founders) or ITIN + Bank relationship
- Business address - Use registered agent address or virtual office
How to Apply for Business Credit Card as Startup LLC in USA (Step by Step 2026)
Step 1: Form LLC in Wyoming or Delaware + Get EIN from IRS (free)
Step 2: Open business bank account - Mercury or Chase (see our review)
Step 3: Wait 30 days - deposit $1k+ revenue (even your own investment counts)
Step 4: Apply for Amex Blue Business Plus first (easiest), then Chase Ink
Tip: Put "0 years in business, $5k annual revenue projected" - don't put $0
Habaglos Digital Hub and Habaglos Group are home for Connecting Communities Through Happiness and much more...!!!
Final Verdict from Habaglos Digital Hub
For new LLC with no revenue: Start with Amex Blue Business Plus $0 fee - easiest approval. Then after 3 months, apply Chase Ink Preferred for $1000 bonus. Both approved our Wyoming LLC in 2026 with EIN only.
đź“š Start Your USA LLC - Complete Guides:
Disclaimer: Credit cards require credit check. Terms change. Habaglos Digital Hub not financial advisor. We may earn commission. Aug 17, 2026.
Allah ya taimaka
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