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Best Credit Card Offers for Freelancers

Business Credit Cards, Credit Cards
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best credit cards for freelancers

When you’re a freelancer, it’s important to choose a credit card offer that suits your business needs. As a self-employed individual, you may find that both business credit cards and consumer cards have attractive features.

Many freelancers have relatively low overhead, so paying an annual fee rarely makes sense. Still, you want to get high rewards on your spending and good card benefits. The Nerds are here to help. Check out these three cards with high rewards and no annual fees for your freelance business.

Ink Business Cash℠ Credit Card: Cash in on your small business spending

https://www.nerdwallet.com/lib/redirect.php?name=Chase-Ink-Cash-Business&uv=h2nFeVMQiE9S6U1Qv%2BpLqy1VKy8q2B9SZQQYygrkXXjRr5%2B%2BUkeoJI2i%2BZj3aSj39FhrcfH%2FNILmJw%3D%3D&clickHeader_category=Credit%20Card&clickHeader_productId=3063

Ink Business Cash℠ Credit Card

Apply Now on Chase's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • Bonus cash back categories
    • $0 annual fee
    • 0% Intro APR for 12 months on purchases and balance transfers

    Cons

    Annual Fees

    $0

    APR

    • APR: 13.74% - 19.74% Variable APR
    • Cash Advance APR: 25.49%, Variable

    Bonus Offers

    Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening

    Intro APR

    • 0% on Purchases and Balance Transfers for 12 months
  • Additional Information
    • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
    • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
    • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
    • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
    • 0% introductory APR for 12 months on purchases and balance transfers
    • Employee cards at no additional cost
    • No Annual Fee

If your freelance spending lines up with typical small business spending habits, the Ink Business Cash℠ Credit Card might be the card for you. You’ll enjoy:

  • 5% cash back on office supplies and cable/telecom services, up to $25,000 spent annually
  • 2% on gas and restaurants, also up to $25,000 spent annually
  • Unlimited 1% elsewhere

There’s also a sign-up bonus: Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.

The Ink Business Cash℠ Credit Card has a $0 annual fee and a 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 13.74% - 19.74% Variable APR.

» MORE: NerdWallet’s best small business credit cards

Citi® Double Cash Card – 18 month BT offer: Double the rewards with responsible card usage

https://www.nerdwallet.com/lib/redirect.php?name=Citibank-Double-Cash-Card&uv=h2nFeVMQiE9S6U1Qv%2BpLqy1VKy8q2B9SZQQYygrkXXjRr5%2B%2BUkeoJI2i%2BZj3aSj39FhrcfH%2FNILmJw%3D%3D&clickHeader_category=Credit%20Card&clickHeader_productId=4220

Citi® Double Cash Card – 18 month BT offer

Apply Now on Citibank's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • 0% on Balance Transfers for 18 months

    Cons

    Annual Fees

    $0

    APR

    • APR: 14.24% - 24.24% Variable APR
    • Penalty APR: Up to 29.99%, Variable
    • Cash Advance APR: 25.99%, Variable

    Bonus Offers

    Earn cash back twice on every purchase

    Intro APR

    • 0% on Balance Transfers for 18 months
  • Additional Information
    • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
    • Balance Transfers do not earn cash back
    • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.24% - 24.24% based on your creditworthiness
    • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
    • No categories to track, no caps on cash back, no annual fee*

If you want cash back on your purchases, and your spending doesn’t fit in with the Chase categories, the Citi® Double Cash Card – 18 month BT offer is a great option. You’ll earn 1% back on your purchases when you make them and another 1% back when you pay them off. You can redeem your cash back in the form of statement credit, gift cards or check, starting at $25.

The Citi® Double Cash Card – 18 month BT offer has an annual fee of $0 and an introductory APR offer of 0% on Balance Transfers for 18 months, and then the ongoing APR of 14.24% - 24.24% Variable APR.

Discover it® Miles – Unlimited 1.5x Rewards Card: Miles for days and a bonus worth writing home about

https://www.nerdwallet.com/lib/redirect.php?name=Discover-it-Miles&uv=h2nFeVMQiE9S6U1Qv%2BpLqy1VKy8q2B9SZQQYygrkXXjRr5%2B%2BUkeoJI2i%2BZj3aSj39FhrcfH%2FNILmJw%3D%3D&clickHeader_category=Credit%20Card&clickHeader_productId=6052

Discover it® Miles – Unlimited 1.5x Rewards Card

Apply Now on Discover's secure site
  • Recommended Credit Score
  • 690
    850
    Good - Excellent
  • Card Details
  • Pros

    • High rewards rate
    • No annual fee
    • 10.99% for 14 mos on transfers
    • No foreign transaction fee

    Cons

    Annual Fees

    $0

    APR

    • APR: 11.49% - 23.49% Variable APR
    • Cash Advance APR: 25.49%, Variable

    Bonus Offers

    Get a mile-for-mile match of all the rewards you’ve earned at the end of your first year, automatically.

    Intro APR

    • 0% on Purchases for 14 months and 10.99% on Balance Transfers for 14 months
  • Additional Information
    • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
    • Get a mile-for-mile match of all the rewards you’ve earned at the end of your first year, automatically.
    • Redeem your rewards in any amount for cash or a travel credit. You’ll always get $1 for every 100 Miles you’ve earned.
    • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
    • 100% U.S. based customer service. Talk to a real person any time.
    • No Annual Fee.
    • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

If your freelance business frequently takes you on the road — or rather, to the sky — you’ll want a good travel rewards card. Enter the Discover it® Miles – Unlimited 1.5x Rewards Card. It offers 1.5 miles on every dollar you spend and a unique promotional bonus: Get a mile-for-mile match of all the rewards you’ve earned at the end of your first year, automatically. Miles can be redeemed for travel statement credit or cash back.

If you want to get some work done in-flight, you’ll enjoy the Discover it® Miles – Unlimited 1.5x Rewards Card’s Wi-Fi credit of up to $30 per year.

The card’s annual fee is $0 and there are no foreign transaction fees. It has an introductory APR of 0% on Purchases for 14 months and 10.99% on Balance Transfers for 14 months, and then the ongoing APR of 11.49% - 23.49% Variable APR.

Nerd note: Whichever card you choose, always keep your business spending separate from your personal spending to make things easier at tax time.


Image via iStock.