I'M INTERESTED IN:
Our pick for
Lucrative welcome offer
Ink Business Unlimited® Credit Card
5.0
NerdWallet rating
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Read full review
Ink Business Unlimited® Credit Card
NerdWallet rating
★5.0/5
Read review
on Chase's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$900
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Read full review
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Our pick for
Business travel card for freelancers
Ink Business Preferred® Credit Card
4.7
NerdWallet rating
on Chase's website
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Read full review
Ink Business Preferred® Credit Card
NerdWallet rating
★4.7/5
Read review
Annual fee
$95
Rewards rate
1x-3x Points
Intro offer
90,000 Points
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Read full review
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Our pick for
Cash back bonus categories + intro APR period
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
5.0
NerdWallet rating
on U.S. Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Read full review
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
NerdWallet rating
★5.0/5
Read review
on U.S. Bank's website
Annual fee
$0
Rewards rate
1%-3% Cashback
Intro offer
$750
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Read full review
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- Terms and conditions apply.
Our pick for
Intro APR period for purchases, balance transfers
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
4.4
NerdWallet rating
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Read full review
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
NerdWallet rating
★4.4/5
Read review
on Bank of America's website
Annual fee
$0
Rewards rate
1.5% Cashback
Intro offer
$300
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Read full review
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn unlimited 1.5% cash back on purchases, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62% cash back on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No annual cap and cash rewards don’t expire as long as your account remains open.
- No annual fee.
- Choose how to redeem your cash rewards – as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Business travel card with no annual fee
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
3.6
NerdWallet rating
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Read full review
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
NerdWallet rating
★3.6/5
Read review
on Bank of America's website
Annual fee
$0
Rewards rate
1.5x Points
Intro offer
30,000 Points
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Read full review
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Our pick for
Overall business card for freelancers
The American Express Blue Business Cash™ Card
4.7
NerdWallet rating
on American Express' website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Read full review
The American Express Blue Business Cash™ Card
NerdWallet rating
★4.7/5
Read review
on American Express' website
Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Read full review
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember,the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
NerdWallet's editorial picks: Best business credit cards for freelancers, self-employed
Click the card name to read our review. Before applying, confirm details on the issuer’s website.
The American Express Blue Business Cash™ Card
Our pick for: Overall business card for freelancers
The American Express Blue Business Cash™ Card $0
Ink Business Unlimited® Credit Card
Our pick for: Lucrative welcome offer
The Ink Business Unlimited® Credit Card
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Our pick for: Cash back bonus categories + intro APR period
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Earn 3% cash back on eligible purchases at gas stations, office supply stores, cell phone service providers and restaurants. Earn 1% cash back on all other eligible net purchases 0% intro APR on Purchases for 12 billing cycles, and then the ongoing APR of 18.99%-27.99% Variable APR
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Our pick for: Intro APR period for purchases, balance transfers
If your spending doesn't align with typical bonus categories, consider the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card 1.5%
Ink Business Preferred® Credit Card
Our pick for: Business travel card for freelancers
The Ink Business Preferred® Credit Card Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Our pick for: Business travel card with no annual fee
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Can freelancers get business credit cards?
If you drive a rideshare part time, regularly resell on eBay or do any other kind of freelance work, you may qualify for a business credit card. You don’t need to have a storefront, employees or an LLC. In fact, your business doesn’t even need to make a profit, and you can say so on the application. If you don’t have a separate tax ID for your business — many self-employed sole proprietors don’t — you can use your Social Security number to apply.
Approval for a small-business credit card is typically based on your personal credit history. Credit scores of 690 or above are generally eligible, although issuers have their own approval criteria, which can vary by type of card.
Should freelancers get a personal or business credit card?
A separate credit card for business spending can help freelancers with expense tracking, running financial reports and gathering tax-return information. There's no rule that this has to be a business credit card, but they do have some distinct advantages over personal cards in these regards, including:
Larger sign-up bonuses — though you'll also have to spend more to get them.
Free employee cards, if more than one person will purchase items on behalf of your business.
Reward categories tailored to self-employed business owners, such as extra cash back on things like office supplies and telecommunications services.
Higher spending limits.
Establishing and building your business credit score.
Whatever card you choose, make sure it fits your needs and spending patterns as a freelancer.
» MORE: Best bank accounts for freelancers, self-employed
