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If you’re one of many Americans who freelance or own your own business, you Business Credit Card A convenient addition to your wallet. They are handy financial tools Separate personal expenses and business expenses.
Business credit cards are usually suitable for large or medium sized businesses, but some business cards are suitable for freelancers and offer generous compensation fees and perks.
Compare the best cards for freelancers
Top Cards for Freelancers
Below are some of the best credit cards for self-employed people. These cards help you manage your small business while earning perks and rewards at the same time.
Information about Bank of America® Business Advantaged Customized Cash Rewards® MasterCard® Credit Cards was last updated on June 2, 2025.
How to Choose the Best Credit Card for Freelancers
It may be difficult Choose from the many business card options available. Here are a few factors to keep in mind when comparing options:
Annual fee budget
You will only pay an annual fee if you want to maximize your perks and rewards.
a lot Business cards with no annual fee Earn rewards easily at no cost each year. However, business cards with annual fees usually accumulate a higher rate of return that could offset statement credits and annual fees. If you are considering a credit card with an annual fee, take advantage of the card’s additional benefits and features.
Check the top spending categories
Choose the card with the hierarchical category you want to use the most.
Standard business cards have expenses categories that you don’t need if you’re working from home, such as gas, flights, hotels. Compare the Rewards categories of business cards you are considering to see where you spend the most.
For example, for freelance web developers, there are target cards that offer height points or cashback in that category, as software and services may be repeated subscriptions.
Think about how your card can help your business
Choose a card that has perks that will make your business the most of it.
To make your business operations easier, look for business credit cards with features like expense tracking and account management. Common credit card perks such as purchase protection and mobile phone insurance can be useful if your new device is broken or your phone is stolen.
If your business doesn’t require reward categories or extras, it may be better to use a personal credit card. However, we recommend that you exercise discipline when holding receipts and invoices so that you can track your business spending all year round.
Do I need to get a business credit card as a freelancer?
you Sometimes freelance On the side, you only make a few hundred dollars a year, but it may not be worth getting a business credit card. However, if your income is from freelance jobs only, obtaining a business credit card for freelance costs can help you in the long run. Here’s how:
However, you will need to compare some options before applying. You want to identify the cards that will earn you the most reward or bring the most value and convenience to your finances.
Conclusion
The best business credit cards offer valuable benefits, separate personal and professional expenses, and earn rewards for business spending if you are a freelancer. When choosing a card, consider factors such as annual fees, top reward categories, and how your card benefits your business.
Full-time freelancers are likely to make the most of their business credit cards, while lower-cost freelancers may have a hard time justifying them. Anyway, it’s important to compare credit card options and find the best one for your needs.
