{"id":8317,"date":"2024-08-31T03:17:56","date_gmt":"2024-08-31T03:17:56","guid":{"rendered":"https:\/\/travelaffiliatewebsite.com\/mer\/the-best-credit-cards-for-freelancers\/"},"modified":"2024-08-31T03:17:56","modified_gmt":"2024-08-31T03:17:56","slug":"the-best-credit-cards-for-freelancers","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/the-best-credit-cards-for-freelancers\/","title":{"rendered":"The best credit cards for freelancers"},"content":{"rendered":"

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No matter the size of your company, a business credit card can be a valuable tool to help you earn rewards and manage expenses. But not all business credit cards<\/a> are created equal.<\/p>\n

Different business cards are best suited for different types of business owners and entrepreneurs. What is most valuable to a freelancer will likely be different than what’s most valuable to a retail store owner.<\/p>\n

Freelancers looking for a credit card should consider their business spending habits and overall goals. For example, when I used to do freelance graphic design work, I didn’t have a ton of expenses in just one category. I wasn’t spending an overwhelming amount on business expenses in general.<\/p>\n

In my case, a flat-rate card with no annual fee<\/a> would have been the best choice. Of course, freelancers who spend more consistently in concentrated categories such as office supplies, internet and phone services could potentially find more value in cards that earn high rewards in those spending categories.<\/p>\n

So, keeping all that in mind, here are a few of our top picks for freelancers looking to maximize their expenses.<\/p>\n

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Overview of the best credit cards for freelancers<\/h2>\n

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Comparing the best credit cards for freelancers<\/h2>\n
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\n\n\n\n\n\n\n\n\n\n\n\n\n
Card<\/strong><\/th>\nWelcome offer\u00a0<\/strong><\/th>\nRewards\u00a0<\/strong><\/th>\nAnnual fee<\/strong><\/th>\n<\/tr>\n<\/thead>\n
The Blue Business<\/a><\/span>\u00ae<\/a><\/span> Plus Credit Card from American Express<\/a><\/span><\/td>\nEarn 15,000 points after spending $3,000 in eligible purchases on the card within your first three months of card membership.<\/td>\n2 points per dollar on the first $50,000 spent in purchases per calendar year<\/p>\n

1 point per dollar on everything else<\/p>\n<\/td>\n

$0 (see rates and fees<\/a>)<\/td>\n<\/tr>\n
Bank of America\u00ae Business Advantage Customized Cash Rewards Mastercard\u00ae credit card<\/a><\/td>\n$300 statement credit after spending $3,000 in the first 90 days<\/td>\n3% in the category of your choice (six category options; $50,000 annual cap on combined rewards spending for all bonus categories)<\/p>\n

2% on dining ($50,000 annual cap on combined rewards spending for all bonus categories, then 1% thereafter)<\/p>\n

1% on everything else<\/p>\n<\/td>\n

$0<\/td>\n<\/tr>\n
Capital One Spark Miles for Business<\/a><\/span><\/td>\n50,000 Capital One miles after spending $4,500 in the first three months of account opening<\/td>\n5 miles per dollar on hotels and rental cars booked through Capital One Travel<\/p>\n

2 miles per dollar on all purchases<\/p>\n<\/td>\n

$95, waived the first year (see rates and fees<\/a>)<\/td>\n<\/tr>\n
Ink Business Cash Credit Card<\/a><\/span><\/td>\nEarn up to $750: Earn $350 bonus cash back after spending $3,000 on purchases in the first three months and an additional $400 when spending $6,000 on purchases in the first six months from account opening.<\/td>\n5% on office supply stores and internet, cable and phone services ($25,000 annual cap on combined rewards spending for all bonus categories)<\/p>\n

2% on gas stations and restaurants ($25,000 annual cap on combined rewards spending for all bonus categories)<\/p>\n

1% on everything else<\/p>\n<\/td>\n

$0<\/td>\n<\/tr>\n
Ink Business Preferred Credit Card<\/a><\/td>\n120,000 bonus points after spending $8,000 on purchases in the first three months from account opening<\/td>\n3 points per dollar on the first $150,000 in combined spending on travel, shipping, internet, cable and phone services and advertising made with social media sites and search engines<\/p>\n

1 point per dollar on everything else<\/p>\n<\/td>\n

$95<\/td>\n<\/tr>\n
Ink Business Unlimited Credit Card<\/a><\/td>\n$750 bonus cash back after spending $6,000 on purchases in the first three months after account opening<\/td>\nUnlimited 1.5% cash back on every business purchase<\/td>\n$0<\/td>\n<\/tr>\n
The American Express Blue Business Cash\u2122 Card<\/a><\/span><\/td>\nEarn a $250 statement credit after spending $3,000 in purchases on your card in your first three months.<\/td>\n2% cash back on all eligible purchases on up to $50,000 per calendar year (then 1%)<\/td>\n$0 (see rates and fees<\/a>)<\/td>\n<\/tr>\n
The Business Platinum Card\u00ae from American Express<\/a><\/span><\/td>\nEarn 150,000 points after spending $20,000 on eligible purchases within the first three months of card membership<\/td>\n5 points per dollar on airfare and prepaid hotel rooms booked through AmexTravel.com<\/span><\/p>\n

1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more; on up to $2 million of these purchases per calendar year<\/p>\n

1 point per dollar on everything else<\/p>\n

Terms apply<\/p>\n<\/td>\n

$695 (see rates and fees<\/a>)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

<\/p>\n

Best cards for freelancers<\/h2>\n

The Blue Business\u00ae Plus Credit Card from American Express<\/h3>\n

Annual fee:<\/strong> $0 (see rates and fees<\/a>)<\/p>\n

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