Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
🤓 Nerdy Tip
Business credit cards typically come with bigger sign-up bonuses than personal cards. The difference can mean hundreds of dollars in rewards value.Our Nerdy picks for
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
🤓 Nerdy Tip
Business credit cards typically come with bigger sign-up bonuses than personal cards. The difference can mean hundreds of dollars in rewards value.Our Nerdy picks for
Here are the best credit cards for freelancers from our partners
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Lucrative welcome offer | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Business travel card for freelancers | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Cash back bonus categories + intro APR period | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.3/5 Best for Intro APR period for purchases, balance transfers | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.7/5 Best for Business travel card with no annual fee | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Overall business card for freelancers | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
Credit card▼ | NerdWallet rating▼ | Annual fee▼ | Rewards rate | Intro offer | Learn more |
---|---|---|---|---|---|
Ink Business Unlimited® Credit Card Apply now on Chase's website | 5.0/5 Best for Lucrative welcome offer | $0 | 1.5% Cashback | $900 | Apply now on Chase's website |
Ink Business Preferred® Credit Card Apply now on Chase's website | 5.0/5 Best for Business travel card for freelancers | $95 | 1x-3x Points | 100,000 Points | Apply now on Chase's website |
U.S. Bank Business Triple Cash Rewards World Elite Mastercard® Apply now on US Bank's website Rates & Fees | 5.0/5 Best for Cash back bonus categories + intro APR period | $0 | 1%-3% Cashback | $500 | Apply now on US Bank's website Rates & Fees |
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card Apply now on Bank of America's website | 4.3/5 Best for Intro APR period for purchases, balance transfers | $0 | 1.5% Cashback | $300 | Apply now on Bank of America's website |
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card Apply now on Bank of America's website | 3.7/5 Best for Business travel card with no annual fee | $0 | 1.5x Points | 30,000 Points | Apply now on Bank of America's website |
The American Express Blue Business Cash™ Card Apply now on American Express' website Rates & Fees | 5.0/5 Best for Overall business card for freelancers | $0 | 1%-2% Cashback | $250 | Apply now on American Express' website Rates & Fees |
I'M INTERESTED IN:
Our pick for
Lucrative welcome offer
Ink Business Unlimited® Credit Card
on Chase's website
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
Pros
- No annual fee
- Intro APR period
- No reward caps
- New cardholder bonus offer
Cons
- No bonus categories
- 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
on Chase's website
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
Pros
- New cardholder bonus offer
- Bonus categories
- Transfer partners
Cons
- Has annual fee
- No intro APR offer
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- 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 Ultimate Rewards®
- 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®
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
Pros
- Bonus cash back categories
- No annual fee
- Intro APR period on purchases and balance transfers
Cons
- Requires good/excellent credit
- Low rate outside bonus categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 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
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
View Rates & Fees
Our pick for
Intro APR period for purchases, balance transfers
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- High cash back rate
Cons
- Has foreign transaction fee
- Requires excellent credit
- 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 all purchases.
- No annual cap and cash rewards don’t expire.
- No annual fee.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62% cash back on all purchases.
- 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
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
on Bank of America's website
Pros
- No annual fee
- New cardholder bonus offer
- No reward caps
- No foreign transaction fees
Cons
- Requires excellent credit
- 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 on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- 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
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
Pros
- No annual fee
- High rewards rate
- Intro APR period
- Cash rewards
Cons
- Spending caps on bonus rewards
- Requires good/excellent credit
- 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
View Rates & Fees
NerdWallet's editorial picks: Best business credit cards for freelancers, self-employed
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Can freelancers get business credit cards?
Should freelancers get a personal or business credit card?
- 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.