Best Business Credit Cards with No LLC in 2026

Flat 1.5% back on everything, unlimited, with no categories and no caps, is the baseline here. What lifts it above other flat-rate cards is Preferred Rewards for Business, which costs nothing to join and boosts the base earn rate by 25%, 50% or 75% at the Gold, Platinum and Platinum Honors tiers based on combined Bank of America business deposit and Merrill business investment balances. For an unincorporated owner who already keeps operating cash at the bank, that boost is the difference between an ordinary card and a good one. You pay no annual fee, employee cards are included at no charge, and the account opens with an intro 0% APR period on purchases. It charges a foreign transaction fee, and the tier boost is worth nothing if your money sits somewhere else.

An unincorporated business rarely has spending concentrated enough for bonus categories to pay, and this card answers that directly by earning 2x Membership Rewards points on all eligible purchases up to an annual cap each calendar year, then 1x. There are no categories at all within the cap. It is the only no-annual-fee American Express card that earns Membership Rewards, which are transferable to airline and hotel partners rather than locked into a cash program. It is a revolving card with Expanded Buying Power that allows spending above the credit limit, employee cards are free, and there is an intro 0% APR period on purchases. It charges a foreign transaction fee, which is the one thing keeping it off an importer's shortlist.

This is the least expensive way into transferable miles without an entity, earning an unlimited 1.5x miles on every purchase with no annual fee and no foreign transaction fee. Miles transfer to Capital One's airline and hotel partners or redeem against travel bookings, and employee cards are free. Note the name: this card was called Spark Miles Select for Business until April 2026, and the rebrand was a name change only, with no new benefits attached. The point that matters most for a sole proprietor is reporting. Capital One sends ongoing business card activity to the owner's personal credit reports, so a card meant to keep business spending at arm's length lands squarely back on your personal file.

The category structure here is unusually well matched to a business with no entity and no office, because the 5% bucket combines office supply stores with internet, cable and phone service. Those are the two bills almost every unincorporated business pays monthly. A second bucket pays 2% at gas stations and restaurants, everything else earns 1%, and both buckets run up to annual caps that reset each account anniversary year before dropping to 1%. There is no annual fee, there is an intro 0% APR period on purchases, and employee cards are free and unlimited. Chase keeps the account off your personal credit report unless it goes seriously delinquent. It charges a foreign transaction fee, so it is a domestic card.

Despite a name that implies categories, this is a flat-rate card: 1.5% cash back on all purchases, unlimited, with no caps. That simplicity is the argument. An owner with no entity is usually also the bookkeeper, and a single rate across every transaction removes a whole class of decisions. Rewards redeem as a statement credit or as a deposit into a linked PNC business checking or savings account, which is a cleaner path than most issuers offer for moving money back into the business. No annual fee applies, and new accounts receive an intro 0% APR period on purchases. It charges a foreign transaction fee, and it earns its place through simplicity rather than through a headline rate.