7 Best Business Credit Cards for Self-employed in 2022

The emergence of the self-employed has brought a lot of benefits to society – at least, that’s what many claim. But not everyone can afford to have and maintain their own business credit card, which is why we’re here with this list of the 7 best cards for those just starting out on their journey as an entrepreneur.

The “best business credit cards for freelancers” is a list of 7 credit cards that are best suited for self-employed people in 2022.

Editor’s note: This is a periodic piece containing card information that is updated on a regular basis.

Whether you’re a freelancer, independent contractor, or small company owner, the most value card for you is one that pays you back every time you use it. When you operate a business, the best credit card for you is one that provides appealing incentives as well as reasonable interest rates and fees. To find the best card for you, we looked at all of these factors.

The following are the top seven business credit cards for self-employed people:

Do you want to compare the attributes of two cards? We’ve made it simple for you to do so! To add up to three cards to your basket, just check them off on this page. You’ll be able to compare the information in a side-by-side comparison this way.

Overall, the American Express Blue Business CashTM Card is the best for self-employed people.

The American Express Blue Business CashTM Card is a credit card issued by American Express.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

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on The American Express Blue Business CashTM Card is a credit card issued by American Express.’s secure website.

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Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• After you spend $3,000 on your Card in the first three months, you’ll get a $250 statement credit.
• Earn 2% cash back on all qualifying purchases up to $50,000 per calendar year, with the remaining 1% cash back applied to your statement automatically.
• Your company is continuously evolving, from workflow to inventory to floor layouts. As a result, with Increased purchasing power, you have the ability to spend over your credit limit.
• Always keep in mind that the amount you may spend above your credit limit is restricted. It changes based on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• For the first 12 months after account creation, you’ll get a Introductory APR of Purchases are tax-free., followed by a variable rate of 13.49 percent to 21.49 percent, dependent on your creditworthiness and other variables assessed at the time of account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• Introductory APR of 0%
• Bonus for new customers
• Rewards at a certain rate
• There is There is no yearly charge..

Cons

• It is not possible to get a cash advance.
• Charges fees for international transactions.
• A total of $50,000 in yearly expenditure is restricted at 2% cash back.

• Expanded purchasing power: Take advantage of increased purchasing power when your company need it. Increased purchasing power allows you to go above and beyond your credit limit, allowing you to get more work done. While the amount you can spend above your credit limit isn’t limitless, it varies depending on how you use the card, your payment history, credit history, financial resources that we know about, and other criteria.
• Car rental loss and damage insurance: If you use your qualified card to book and pay for the whole rental and refuse the collision damage waiver at the rental company counter, you may be protected for damage to or theft of a rented vehicle in a covered region.

Why we like it: Simplicity is key with the American Express Blue Business CashTM Card. Since there’s no need to keep track of spending categories or where you shop, feel free to use this card for all of your business expenses. Receive 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. Once you reach the $50,000 spend limit, you’ll receive an impressive $1,000 cash back as a statement credit. In addition, you get a $250 credit after spending $3,000 in the first three months, a 0% introductory APR for the first 12 months, and There is There is no yearly charge… It’s a great card for easy financing, and it’s our number-one selection for best small business credit card.

Best for 0% Introductory APR: U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard®

Triple Cash Rewards from U.S. Bank for Business Mastercard World EliteTM

APR of 0% for 15 billing cycles

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On the secure website of US Bank

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APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

• Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
• Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
• All other qualified net purchases will earn you 1% cash back.
• There is no limit to the total amount of cash back that may be received.
• Reward points never run out.
• For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
• Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
• There is There is no yearly charge…

Pros

• Purchases and balance transfers are both eligible for a 0% APR.
• Cash back benefits are available indefinitely.
• There is There is no yearly charge..

Cons

• Even during the promotional period, there is a balance transfer cost.
• Cash advances are not subject to the intro APR.

• Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
• Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
• Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

APR on a regular basis

14.24% – 23.12% (Variable)

Credit is required.

Excellent/Good

• Earn $500 in cash back for a limited time. Simply spend $4,500 on the Account Owner’s card during the first 150 days of your account being opened.
• Earn 3% cash back at petrol stations, office supply retailers, telephone service providers, and restaurants on qualified purchases.
• All other qualified net purchases will earn you 1% cash back.
• There is no limit to the total amount of cash back that may be received.
• Reward points never run out.
• For regular software subscription fees like FreshBooks or Quickbooks, you may get a $100 statement credit per year.
• Introductory APR of 0% on purchase and balance transfers for 15 billing cycles. After that, a variable APR that is currently 14.24% to 23.24%.
• There is There is no yearly charge…

Pros

• Purchases and balance transfers are both eligible for a 0% APR.
• Cash back benefits are available indefinitely.
• There is There is no yearly charge..

Cons

• Even during the promotional period, there is a balance transfer cost.
• Cash advances are not subject to the intro APR.

• Collision damage waiver for MasterRental automobile rentals: When you use your U.S. Bank credit card to rent a vehicle, you’re insured in the event of an accident or theft on all rentals made globally. Because the coverage is primary, you won’t need to utilize your own vehicle insurance or accept the rental agency’s insurance. The maximum amount of coverage is $50,000.
• Purchase assurance: If an item bought with your U.S. Bank business credit card is destroyed or stolen within 90 days of purchase, U.S. Bank may repair or pay you. Coverage is restricted to $1,000 per loss, with a maximum of $25,000 per account per year. Items that are placed out of reach and visible to others are not protected.
• Extended warranty protection: From the expiry of warranties of 5 years or less, U.S. Bank will double the manufacturer’s guarantee up to an extra 1 year. For example, an item with a 6-month warranty would be covered for another 6 months. The issuer will either replace the item or pay you up to $10,000 for the amount charged on your US Bank card.

Why we like it: Consider moving balances from other cards to the U.S. Bank Business Triple Cash Rewards World EliteTM Mastercard® if you have significant balances on other cards. For 15 billing cycles, this card provides a 0% introductory APR on both balance transfers and purchases. If you schedule your payments over that 15 months, you’ll have paid off those hefty sums by the time the promotional APR expires. You’ll get $500 back if you spend $4,500 during the first 150 days after creating your account. This card offers 3% cash back at participating petrol stations, office supply retailers, mobile phone service providers, and restaurants, as well as 1% cash back on all other qualifying transactions.

Best for Points-based Rewards: American Express Blue Business® Plus

American Express’s Blue Business® Plus Credit Card

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

2x points per $1 and a 0% introductory APR for the first 12 months

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on American Express’s Blue Business® Plus Credit Card’s secure website.

Compare with

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Introductory APR of Purchases are tax-free. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Intro APR

Purchases are tax-free.

APR on a regular basis

Variable 13.49 percent – 21.49 percent

Credit is required.

Good, Excellent

• Spend $3,000 in qualifying purchases on the Card during the first three months of Card membership to earn 15,000 Membership Rewards® points.
• On regular business expenditures like office supplies or client meals, earn 2X Membership Rewards® points. 2X applies to the first $50,000 in annual purchases, then 1 point every dollar after that.
• With Increased purchasing power, you have the ability to spend your Card above its credit limit*.
• *There is a limit on how much you may spend above your credit limit. It varies depending on your Card use, payment history, credit history, financial resources known to American Express, and other variables.
• 0.Introductory APR of Purchases are tax-free. for 12 months from the date of account opening, then a variable rate, 13.49% – 21.49%, based on your creditworthiness and other factors at account opening.
• There is There is no yearly charge..
• Terms and Conditions apply.

Pros

• There is There is no yearly charge..
• Purchases and balance transfers get a 0% APR for 12 months.
• Bonus points for new customers
• Increased purchasing power
• Rewards at a set rate

Cons

• Cash advances are not permitted.
• There is no cost for international transactions.
• The amount of money you may spend to get 2x points is restricted at $50,000.

• If the original manufacturer’s warranty is shorter than two years, American Express will match the term of the guarantee. If the original manufacturer’s warranty is between 2 and 5 years, it offers an extra 2 years. Each year, coverage is capped at $10,000 per incident and $50,000 per account.
• Purchase protection: If an item bought with the card is damaged or stolen within 120 days of purchase, the issuer will repair, replace, or refund you. The maximum coverage is $1,000 per event and $50,000 per account per year.

Why we like it: While most of the cards on our list provide cash back, if you prefer points, you can use them to get a range of high-quality American Express items. Hundreds of technology, sports, gaming, fashion, home, and office goods may be purchased using Membership Rewards® points. Your points may also be used to help other small companies. After spending only $3,000 in the first three months, you’ll get 15,000 points as an introduction incentive. The American Express Blue Business® Plus card gives 2x points on the first $50,000 in qualifying purchases per calendar year, then 1x beyond that if you desire the flexibility of limitless spending.

Best for Frequent Travelers: Bank of America® Business Advantage Travel Rewards World Mastercard®

Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel purchases made via Bank of America

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on Credit card from Bank of America® Business Advantage Travel Rewards World Mastercard®’s secure website.

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Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• There is There is no yearly charge.. and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% On purchases, there is an introductory APR..
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• There is There is no yearly charge..: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• Bonus for new customers points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Intro APR

0% after nine billing cycles

APR on a regular basis

Purchases have a variable APR of 12.24 percent to 22.24 percent.

• Make at least $3,000 in net purchases within 90 days of account creation to earn 30,000 bonus points, which may be used for a $300 statement credit toward travel purchases.
• Earn 1.5 points for every $1 spent on any purchase, anywhere, at any time, regardless of how much you spend. Points do not have an expiration date.
• Earn 3 points for every dollar spent on travel purchases made via the Bank of America® Travel Center, such as a vehicle, hotel, or airline.
• There is There is no yearly charge.. and no international transaction fees.
• For the first nine billing cycles, you’ll get a 0% On purchases, there is an introductory APR..
• Redeem points for no-blackout-date travel, cash back, or gift cards.
• When you join the Preferred Rewards for Business Platinum Honors tier, you’ll get 75 percent extra points on the basic earn of every transaction. That means you’ll get 2.62 points for every $1 spent at the Bank of America® Travel Center and 4.12 points for every $1 spent elsewhere.

Pros

• There is There is no yearly charge..: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
• No travel ban dates: You may use your points to book travel or travel credits via the Bank of America® Travel Center at any time.
• 3x points on travel: When you book your trip (vehicle, hotel, or airline) via the Bank of America® Travel Center, you may earn 3x points for every dollar spent.
• Bonus for new customers points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.

Cons

• Low on-going rewards for non-travel purchases: While you can earn a lot of points on travel, you can only get 1.5x points on anything else.
• Short initial 0% APR duration: The Bank of America Business Advantage Travel Rewards World Mastercard® gives 0% APR for the first nine billing cycles after account creation, which is a drawback if you want a longer 0% APR period.
• There is no promotional 0% APR on balance transfers: The introductory 0% APR applies just to purchases; if you need to transfer a balance from another credit card, you’ll have to pay an APR ranging from 12.24 percent to 22.24 percent.

• Bank of America does not provide the specifics of its extra card features. When you get your card in the mail, go through the benefits guide to learn more about these extra features.

Why we like it: If you travel often for business, you can earn 3 points for every $1 spent on flights, rental cars, and hotels booked through the Bank of America Travel Center when you use the Bank of America® Business Advantage Travel Rewards World Mastercard®. Also, you’ll earn an unlimited 1.5 points for every $1 on any purchase, anywhere. To boost your rewards power, if you already have a business checking account with Bank of America and qualify for Preferred Rewards for Business, you can earn up to 75% more points on every purchase. To become eligible, you’ll need a three-month combined average daily balance of $20,000 or more in qualifying Bank of America business deposit accounts and/or Merrill® business investment accounts. Once you sign up, you can earn 30,000 bonus points after spending $3,000 within the first 90 days. There’s There is There is no yearly charge.., no foreign transaction fees, and you get a 0% introductory APR for the first nine months.

Best for Home Offices: Chase Ink Business Cash®

Credit Card Ink Business Cash®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Businesses that are headquartered in an office and wish to earn a lot of money back

Apply Now

Chase’s Protected Website

Compare with

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is no yearly charge..
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Intro APR

Introductory APR of Purchases are tax-free.

APR on a regular basis

Variable 13.24 percent – 19.24 percent

Credit is required.

Good, Excellent

• After spending $7,500 on purchases in the first three months after creating your account, you’ll get a $750 extra cash back.
• Each account anniversary year, get 5% cash back on the first $25,000 spent in combined purchases at office supply retailers and on internet, cable, and phone services.
• Each account anniversary year, get 2% cash back on the first $25,000 spent in combined gas station and restaurant expenditures. On all other purchases, you’ll get 1% cash back.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• There is There is no yearly charge..
• With Chase Ultimate Rewards®, you may get cash back, gift cards, travel, and more.
• On purchases, there is a 0% introductory APR for the first 12 months.

Pros

• Spending on office supplies reaps the most benefits.
• On purchases, there is an introductory APR.
• Sign-up bonus in cash

Cons

• Balance transfers are not eligible for the 0% APR.
• A 5% balance transfer fee is charged.
• Designed mostly for office-based businesses.

• When renting a car for work, the collision damage waiver is primary, meaning it takes precedence over any personal insurance coverage you may have. Most automobiles in the United States and overseas are covered for theft and accident damage up to the real monetary worth of the vehicle.
• Purchase protection: Protects your new purchases from damage or theft for 120 days, up to $10,000 per claim and $50,000 per account per year.
• On qualified warranties of 3 years or less, extended warranty protection extends the time duration of the US manufacturer’s guarantee by an extra year.

Why we like it: The Chase Ink Business CashSM card may be a terrific choice for you if you’re self-employed and operate from home. It gives you 5% cash back on your first $25,000 spent on internet, phone, cable bills, or office supplies, plus 2% cash back on your first $25,000 spent at petrol stations and restaurants and 1% on anything else. There is no limit to how much money you can make. Plus, after spending $7,500 in the first three months, you’ll earn $750 in cash back. It’s our top pick for the best credit card for small companies in general.

Discover it® Cash Back: For the first year, it’s best to get double cash rewards.

On your first year’s purchases, you’ll get double cash back.

Apply Now

Discover’s Protected Website

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APR on a regular basis

Variable 13.49 percent – 24.49 percent

Credit is required.

Excellent – Excellent

• Each quarter, get 5% cash back at various locations such as gas stations, grocery shops, restaurants, Amazon.com, and more, up to the quarterly limit.
• Plus, automatically get an unlimited 1% cash back on all other purchases.
• At the conclusion of your first year, we’ll automatically match all of the cash back you’ve earned. There’s no need to join up, and the amount we’ll match is unlimited.

Pros

• On rotating bonus categories, the reward rate is excellent.
• For the first 12 months, the highest rate is doubled.
• APR of 0% for a length of time that is longer than most credit cards

Cons

• Each quarter, cardholders must enroll.
• Each quarter, bonus awards are limited at $1,500.
• There is no purchase or extended warranty protection.

• Account lock: With an on/off button accessible on both the mobile app and the website, you may lock your account in seconds to prevent future purchases.
• You won’t be charged a late fee the first time your payment is late. After that, late fines might cost up to $39 each day.

APR on a regular basis

Variable 13.49 percent – 24.49 percent

Credit is required.

Excellent – Excellent

• Each quarter, get 5% cash back at various locations such as gas stations, grocery shops, restaurants, Amazon.com, and more, up to the quarterly limit.
• Plus, automatically get an unlimited 1% cash back on all other purchases.
• At the conclusion of your first year, we’ll automatically match all of the cash back you’ve earned. There’s no need to join up, and the amount we’ll match is unlimited.

Pros

• On rotating bonus categories, the reward rate is excellent.
• For the first 12 months, the highest rate is doubled.
• APR of 0% for a length of time that is longer than most credit cards

Cons

• Each quarter, cardholders must enroll.
• Each quarter, bonus awards are limited at $1,500.
• There is no purchase or extended warranty protection.

• Account lock: With an on/off button accessible on both the mobile app and the website, you may lock your account in seconds to prevent future purchases.
• You won’t be charged a late fee the first time your payment is late. After that, late fines might cost up to $39 each day.

Why we like it: Even though this isn’t a business credit card, as a personal card, it has one of the most generous rewards programs available. At the end of the first year, get an unlimited cash back match of all the rewards you earned throughout the year. Not only that, but you can earn 5% cash back on purchases from a revolving selection of shops that Discover selects quarterly. For example, from October through December of 2021, you can earn 5% at Walmart, Amazon, or Target, up to a maximum of $1,500 for the quarter. You can also earn 1% back on all purchases at any time. When you add There is There is no yearly charge.., a 0% introductory APR for the first 14 months, and the lowest starting interest rate on this list, you can see that the Discover it® Cash Back card just keeps on giving.

Amazon Business Prime is a subscription service for businesses. The American Express Card is the best option for repeat Amazon purchases.

American Express Card for Amazon Business Prime

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

5% cash back or a 90-day payback period

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on American Express Card for Amazon Business Prime’s secure website.

Compare with

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the American Express Card for Amazon Business Prime.
• With a qualified Prime membership, you may get 5% back or 90-day terms on purchases made in the United States at Amazon.com, Amazon Business, AWS, and Whole Foods Market. You’ll get 5% back on your first $120,000 in purchases each calendar year, and 1% back after that.
• 2% back at U.S. restaurants, petrol stations, and cellular phone services bought directly from U.S. suppliers
• 1% cash back on all other purchases
• There is no yearly charge.
• Amazon and Amazon Company provide a large product variety to support your business, as well as American Express service. Keep your concentrate on your key business concerns, knowing that we’ve got your back.
• You may select when to redeem non-expiring prizes. Redeem your points for millions of things at Amazon.com and Amazon Business (US) at checkout, or apply them to a transaction on your statement.
• Terms and Conditions apply..

Pros

• Upon acceptance, you will get a $125 Amazon gift card.
• Interest-free financing alternatives or a 5% incentive
• There are no yearly or foreign transaction fees.

Cons

• There is no introductory APR of 0%.
• Only available to Amazon Prime members
• Transfers of balances are not permitted.

• Return protection: If an item bought within 90 days cannot be returned to the retailer, American Express will give a refund. Refunds are capped at $300 per item, with a maximum of $1,000 per cardmember, every calendar year.
• When you pay for your trip with your card, you may be reimbursed for lost, damaged, or stolen luggage. American Express will pay up to $1,250 per insured passenger for carry-on baggage and up to $500 for checked baggage.
• Car rental insurance: Get up to $50,000 in coverage for car rental theft or damage. Cardholders may opt out of the motor rental agency’s collision insurance.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Eligible Prime Members get a $125 Amazon.com Gift Card upon approval for the American Express Card for Amazon Business Prime.
• With a qualified Prime membership, you may get 5% back or 90-day terms on purchases made in the United States at Amazon.com, Amazon Business, AWS, and Whole Foods Market. You’ll get 5% back on your first $120,000 in purchases each calendar year, and 1% back after that.
• 2% back at U.S. restaurants, petrol stations, and cellular phone services bought directly from U.S. suppliers
• 1% cash back on all other purchases
• There is no yearly charge.
• Amazon and Amazon Company provide a large product variety to support your business, as well as American Express service. Keep your concentrate on your key business concerns, knowing that we’ve got your back.
• You may select when to redeem non-expiring prizes. Redeem your points for millions of things at Amazon.com and Amazon Business (US) at checkout, or apply them to a transaction on your statement.
• Terms and Conditions apply..

Pros

• Upon acceptance, you will get a $125 Amazon gift card.
• Interest-free financing alternatives or a 5% incentive
• There are no yearly or foreign transaction fees.

Cons

• There is no introductory APR of 0%.
• Only available to Amazon Prime members
• Transfers of balances are not permitted.

• Return protection: If an item bought within 90 days cannot be returned to the retailer, American Express will give a refund. Refunds are capped at $300 per item, with a maximum of $1,000 per cardmember, every calendar year.
• When you pay for your trip with your card, you may be reimbursed for lost, damaged, or stolen luggage. American Express will pay up to $1,250 per insured passenger for carry-on baggage and up to $500 for checked baggage.
• Car rental insurance: Get up to $50,000 in coverage for car rental theft or damage. Cardholders may opt out of the motor rental agency’s collision insurance.

Why we like it: If you regularly make business purchases through Amazon, you could significantly benefit from the American Express Card for Amazon Business Prime. There’s There is There is no yearly charge.. outside of the business prime membership fee, and you have your choice of two options with each purchase: 5% cash back that you can spend on Amazon Business, Amazon Web Services, Amazon.com, and Whole Foods Market or a 90-day interest-free billing cycle. Plus, you’ll get 2% back at restaurants, gas stations, and wireless phone services and 1% back on all other eligible purchases. To top it off, you’ll receive a $125 bonus gift card when your card application is approved.

Self-employed Business Owner Qualification Requirements

Whether you’re self-employed full-time or part-time, you’re eligible for a business credit card. If you don’t have a tax identification number (TIN) or an employer identification number, you may apply using your Social Security number (EIN). Unless you already have a corporate credit history, your personal credit score will play a big role in whether or not you’re accepted, so be sure it’s in excellent shape before applying for a card.

How Did We Choose the Best Business Credit Cards for Self-Employed Entrepreneurs?

When evaluating the best credit cards for self-employed business owners, we prioritized 0% APR introductory offers, There is There is no yearly charge..s, sign-up bonuses, and ongoing rewards, as well as cards with specific spending categories and unlimited use cards.

Conclusion

When you’re self-employed, the cards we’ve chosen can all help you grow your company. Choose the card that may help you retain more of your earnings in your pocket, whether your most regular expenditures are for travel or home office necessities, or your shopping pattern varies every month.

The “best credit cards for self-employed” is a difficult topic to research. This blog will provide 7 of the best business credit cards that are available in 2022.

Frequently Asked Questions

Can I get a business card with 1099?

A: I am a business card. If you can give me 1099, we can discuss the terms of our agreement in more detail!

Can I get a business card as an independent contractor?

A: Business cards are not required by law in the United States, so you do not need to have one.

Can you get a business credit card as a sole prop?

A: I am not sure what a sole prop is, but no its not possible to apply for a business credit card as an individual. You need to be partnered with someone or have a company of your own in order to acquire one.

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