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The best business credit cards for consultants offer premium rewards on expense categories you usually spend on, like travel, dining, fuel, and supplies. To decide which credit card is right for you, consider factors such as fees, APR, introductory offers, and other additional features that are valuable to your consultancy business.
Here are our eight best business credit cards for consultants:
- U.S. Bank Triple Cash Rewards World Elite Mastercard®: Overall best business credit card for consultants with extend-pay option and $100 software credit
- American Express Blue Business Cash™: Best for consultants who want fixed-rate cash back and the flexibility to exceed their credit limit
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for earning travel rewards
- Bank of America® Business Advantage Customized Cash Rewards: Best for earning rewards in the category of your choice
- Brex Card: Best for no personal credit check with daily or monthly payment options
- card_name: Best for earning rewards on office essentials, fuel, and dining expenses
- card_name: Best pay-in-full card with generous welcome offer
- card_name: Best for high credit limit with high introductory bonus
Overview of the Best Business Credit Cards for Consultants 2024
Best For | Annual Fee | Ongoing Rewards | Credit Needed | |||
|---|---|---|---|---|---|---|
 U.S. Bank Business Triple Cash Rewards World Elite Mastercard® | (Overall) Extend-pay option and $100 software credit | $0 | $750 cash back | Up to 5% cash back | Good to Excellent | |
 American Express Blue Business Cash™ | Fixed-rate cash back and the flexibility to exceed your credit limit | $0 | $250 statement credit | Up to 2% cash back | Good to Excellent | |
 Bank of America® Business Advantage Travel Rewards World Mastercard® | Earning travel rewards | $0 | 30,000 bonus points | Up to 3× points per dollar | Excellent | |
 Bank of America® Business Advantage Customized Cash Rewards | Earning rewards in the category of your choice | $0 | $300 in statement credit | Up to 3% cash back | Excellent | |
 Brex Card | No personal credit check with daily or monthly payment options | $0 | 10,000 points | Up to 8× points | No credit check | |
card_name | Earning rewards on office essentials, fuel, and dining expenses | annual_fees | bonus_miles_full | Up to 5% cash back | Good to Excellent | |
Pay-in-full card with generous welcome offer | annual_fees | bonus_miles | Up to 5% cash back | Excellent | ||
card_name | High credit limit with high introductory bonus | annual_fees | bonus_miles | Up to 5× points | Good to Excellent |
To see how the credit cards stack up against each other, or even against others we have reviewed on our site, click the Add to Compare button on any credit card below.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Overall Best Business Credit Card for Consultants With Extend-Pay Option & $100 Software Credit
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 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.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Why We Like It
This card is our overall best business credit card for consultants because it features ExtendPay Plan Receive a new cardmember $0 fee offer on ExtendPay Plans opened in the first 60 days after account opening , which allows you to pay off your eligible balance over time in monthly installments without interest (just a small fixed monthly fee). What’s more, it is best for consultants who have software subscriptions, like QuickBooks or FreshBooks, as it offers $100 annual statement credit for these expenses.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other eligible purchases
- $0 annual fee
- $750 bonus cash back when you spend $6,000 within the first 180 days after opening an account
- 0% APR on purchases for the first 12 billing cycles
Its generous cash back, welcome offer, and other ways to save on credit costs are few of the reasons why it is our top business card with no annual fee.
American Express Blue Business CashTM: Best for Consultants Who Want Fixed-rate Cash Back & the Flexibility to Exceed Their Credit Limit
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.74% – 25.74%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.74% – 25.74%, 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.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Why We Like It
This card is known for its fixed-rate cash back that is automatically credited to your billing statement without the need for manual redemption. On top of that, it features Expanded Buying Power, which allows you to spend over your credit limit based on your credit usage, credit score, payment behavior, and other financial factors.
- 2% cash back on all eligible purchases of up to $50,000 per calendar year
- 1% cash back on purchases in excess of $50,000 within the same calendar year
- $0 annual fee
- $250 bonus statement credit after you spend $3,000 within the first three months of card ownership
- 0% APR on purchases for the first 12 months after opening an account
It is also our leading cash back business card because of its simplicity and flexibility.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Travel Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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.
Pros
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Why We Like It
The card lets you earn rewards that can be redeemed for travel, cash back, and gift cards. Plus, it has $0 foreign transaction fees, making it a great choice for those who travel outside the country frequently. It also comes with other travel perks, like travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
- 3× points per dollar spent at Travel Center
- Unlimited 1.5× points for every $1 you spend on all purchases
- Up to 75% more points on every purchase if you have a Bank of America business checking account and qualify for the Preferred Rewards for Business program; learn more by reading our Bank of America business checking review
- 30,000 bonus points (equivalent to $300 statement credit towards travel or dining purchases) after spending at least $3,000 in purchases within the first 90 days of account opening
- 0% APR on purchases for the first nine billing cycles
It is our best business card with no foreign transaction fee because of its travel rewards and perks.
Bank of America® Business Advantage Customized Cash Rewards: Best for Earning Rewards on Category of Choice
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 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 Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- 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. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 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.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- 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 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% cash back on purchases in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- 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 Preferred Rewards for Business Platinum Honors tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee.
- 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. Cash rewards don’t expire as long as your account remains open.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 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.
Pros
- Offers flexible redemption options
- $0 annual fee
- Welcome offer
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Why We Like It
This card has a unique rewards structure—it lets you choose the expense category on which you can earn premium cash back. Because of this, it is highly recommended for those businesses that have varied spending habits every month. What’s more, you can redeem your earned rewards in multiple ways—as a deposit into your Bank of America® checking or savings account, as a card statement credit, or as a check mailed to you.
- 3% cash back in the category of your choice and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases per calendar year; and 1% cash back if the cap is met
- 1% cash back on all other purchases
- $0 annual fee
- 0% APR on purchases for the first nine billing cycles of card ownership
- $300 bonus statement credit after making $3,000 or more in purchases in the first 90 days of opening an account
- Up to 75% more cash back when you have a Bank of America® checking account and qualify for the Preferred Rewards for Business program
Even if it has a shorter 0% APR period than other business credit cards, its unique rewards program is one of the reasons it’s one of our top-recommended 0% APR business cards.
Brex Card: Best for No Personal Credit Check With Daily or Monthly Payment Options
 Brex CardBEST FOR: Those who want daily or monthly payments | |
|---|---|
Spending Limit | Load Limit |
|
|
Costs | |
| |
Why We Like It
The card can be used either as a charge card (paid monthly) or a prepaid card, letting you choose to pay either monthly or daily. It comes with lucrative rewards and will make a great alternative for startup information technology (IT) and life science businesses because of its comprehensive perks for both industries. Note that it requires a Brex Business Account—read our Brex Business Account review to learn more about its features and criteria for applying.
Variations of the Brex Exclusive Program | Specific Rewards |
|---|---|
Brex Exclusive Life Science Rewards |
|
Brex Exclusive Daily Payments Rewards | Advertising
Software
Life sciences
|
Brex Exclusive Custom Rewards | This is for companies that have more than 50 Brex users and that can meet minimum spending commitments. Contact any Brex Sales Representative to learn more about it. |
- 10,000 points Exclusive to those who will open an account using the link on this website after spending $3,000 within the first three months after account activation
- Access to a free system that lets users track expenses, automatically matches receipts, and identifies excess spending
- Exclusive software discounts
- No personal guarantee required
The Brex Card is issued by Emigrant Bank and Fifth Third Bank, NA, and Brex has 10 partner banks—all of which are Federal Deposit Insurance Corporation (FDIC)-insured. It is also one of our leading corporate cards.
card_name: Best for Earning Rewards on Office Essentials, Fuel & Dining Expenses
card_name
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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 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.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn up to $750 bonus cash back—$350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening.
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone 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 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.
- $0 annual fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- Top rewards for office supply spending
- Introductory APR on purchases
- Cash welcome offer
Cons
- 0% APR doesn’t apply to balance transfers
- High balance transfer fee of 5%
- Designed mainly for office-oriented companies
- Auto rental collision damage waiver: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the United States and abroad.
- Purchase protection: Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account per year.
- Extended warranty protection: Extends the time period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or fewer.
Why We Like It
This credit card offers premium rewards on office supplies, internet, cable, phone, fuel, and dining—which you can redeem for cash back, gift cards, travel, and more through Chase Ultimate Rewards®. You will also receive up to $750 as a welcome offer when you meet the spending requirements. Plus, you’ll automatically be checked for a credit limit increase every six months.
- 5% cash back on office supplies, internet, cable, and phone services for the first $25,000 each account anniversary year
- 5% cash back on Lyft rides through March 2025
- 2% cash back on purchases at gas stations and restaurants for the first $25,000 each account anniversary year
- 1% cash back on all other purchases with no limit to the number of rewards you can earn
- $0 annual fee
- 0% intro APR on purchases for 12 months from account opening
- $350 cash bonus when you spend $3,000 on purchases in the first three months, and an additional $400 cash bonus when you spend $6,000 on purchases in the first six months after account opening
- One-time 10% bonus of all eligible cash back earned in your first year if you have the Ink Business Cash card plus a Chase Business Checking account
It is also a great option for limited liability companies (LLCs) as it is one of our top-recommended LLC credit cards.
card_name: Best Pay-in-Full Card With Generous Welcome Offer
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BEST FOR:
Businesses that want simple yet generous cash back
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- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
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- Earn $4,000+ in bonuses: $2K when you spend $30K in the first 3 months and $2K for every $500K spent in the first year.
- Get 2% cash back on all business-related purchases without limits or category restrictions.
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Pros
- With welcome offer
- Offers unlimited 2% cash back on all purchases
Cons
- Charges annual fee
- Requires excellent credit to qualify
- Payment flexibility: Pick your preferred monthly due date to control when to pay your credit card bill.
- $0 fraud liability: You can get an emergency replacement and cash advance if your card is lost or stolen.
- Extended warranty: Get free additional warranty and protection on selected items purchased with your card
- Roadside assistance: Capital One offers services to help you during auto-related emergencies, such as jump-starting, tire changing, and towing).
- Free employee cards and spend limits: Track employee spending while earning all rewards from their purchases and set customized spending limits for each card.
Why We Like It
This pay-in-full card lets you earn $1,200 cash back when you spend $30,000 in the first three months. It’s best for consultants with high business expenses because its $150 annual fee will be refunded every year you spend at least $150,000.
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on all other purchases
- No preset spending limit that adapts to your needs based on spending behavior, payment history, and credit profile
- Payment flexibility lets you pick your preferred monthly due date to control when to pay your credit card bill
Note that you need to pay your entire balance every billing cycle. And as one of the best instant approval business cards, you can get approved fast if you meet the qualification requirements.
card_name: Best for High Credit Limit With High Introductory Bonus
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BEST FOR:
Maximizing travel rewards at a lower annual fee
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- 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
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
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- 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
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- $0 foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the welcome offer
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Why We Like It
The card offers a generous introductory bonus of 120,000 points when you spend at least $8,000 on purchases within the first three months of account opening. Note that because of its significant initial spending requirement, it’s highly likely that you will get a higher credit limit compared with other business credit cards.
- 5× points on Lyft rides through March 2025
- 3× points per dollar spent on online advertising, travel, shipping, internet, cable, and phone services (up to $150,000 in combined purchases per year)
- 1× point per dollar when the cap is met and on all other business purchases
- Low annual fee of $95
- Flexible redemption options, including cash back, gift cards, travel experiences, and more through Chase Ultimate Rewards
- 25% more points value when redeemed for travel
- $0 foreign transaction fees
- 1:1 point transfer value when you transfer your points to any participating frequent travel programs
These perks are a few of the reasons why the card is also one of our leading high-limit business cards.
How We Selected the Best Credit Cards for Consultants
Since consultants work in a wide range of industries, we selected cards with strong rewards programs in various expense categories that may be valuable to consultancy businesses. We also took into account the annual fees, ongoing APRs, introductory rates, bonuses, credit requirements, credit limits, and reward redemption options.
Frequently Asked Questions (FAQs)
A dedicated business credit card can help keep your business and personal finances separate. It can also help build your business credit, which is necessary for accessing other financing options like business loans and business lines of credit. Moreover, a separate business credit card can also track your business expenses efficiently, helping you during tax season.
A traditional business credit card provides you with a line of credit that you can use for your business-related expenses, which you can either pay in full within the due date or pay off over time with interest. A charge card also provides a line of credit for your business expenses, but it requires you to pay your entire balance each billing cycle. With it, you cannot carry a balance to the next billing cycle, else it will be considered past due. Meanwhile, a prepaid card needs to be pre-funded—it is not a debt because your purchase transactions will directly be deducted from your account balance.
Bottom Line
The best credit card for consultants offers the most rewards in your preferred spending categories. Make sure you choose a card that lets you save on your overall credit costs, so perks like low or $0 annual fees, 0% introductory APRs, and low ongoing APRs are valuable. If you have high or varied credit needs, a credit card with a high or flexible credit limit will be more beneficial.
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