10 Best Business Credit Cards for Consultants for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Editor’s note: This is a recurring post with regularly updated card details.
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, 0% annual percentage rate (APR) offers, sign-up bonuses, and additional features your consultancy business needs. If your expenses vary from month to month, you may benefit more from business credit cards with fixed-rate rewards.
Here are our 10 best business credit cards for consultants:
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Best overall credit card for consultants
- Chase Ink Business Cash®: Best for earning rewards on office essentials, fuel, and dining expenses
- UnitedSM Business Card: Best for consultants who travel frequently
- Bank of America® Business Advantage Customized Cash Rewards: Best for earning rewards on the category of your choice
- U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% introductory APR for 15 months and $100 software credit
- American Express Blue Business Cash™: Best for consultants who want the flexibility to exceed their credit limit
- Costco Anywhere Visa® Business Card by Citi: Best for earning rewards on fuel expenses
- Capital One® Spark® Classic for Business: Best for consultants with fair credit
- Emburse Spend Card: Best for earning unlimited cash back rewards
- Brex Card: Best for those who want daily or monthly payment options
Overview of the Best Business Credit Cards for Consultants 2023
Best For | Annual Fee | Sign-up Bonus | Rewards | ||
|---|---|---|---|---|---|
 Bank of America® Business Advantage Travel Rewards World Mastercard® | Overall best credit card for consultants | $0 | Up to 2.62x points per dollar | ||
 Chase Ink Business Cash® | Earning rewards on office essentials, fuel, and dining expenses | $0 | Up to 5% cash back | ||
 UnitedSM Business Card | Consultants who travel frequently | $99 (waived for the first year) | Up to 2x miles | ||
 Bank of America® Business Advantage Customized Cash Rewards | Earning rewards on the category of your choice | $0 | Up to 3% cash back | ||
 U.S. Bank Triple Cash Rewards World Elite Mastercard® | 0% introductory APR for 15 months and $100 software credit | $0 | Up to 5% cash back | ||
 American Express Blue Business Cash™ | Consultants wanting the flexibility to exceed your credit limit | $0 | None | Up to 2% cash back | |
 Costco Anywhere Visa® Business Card by Citi | Earning rewards on fuel expenses | None; you need a Costco membership to qualify | None | Up to 4% cash back | |
 Capital One® Spark® Classic for Business | Consultants with fair credit | $0 | None | Up to 5% cash back | |
 Emburse Spend Card | Earning unlimited cash back rewards | No additional fees | None | 1% cash back on all purchases | |
 Brex Card | Those wanting daily or monthly payment options | No additional fees | Up to 8x points on selected categories |
To see how these 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.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best Overall Credit Card for Consultants
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 on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus 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 ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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 on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus 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 ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- 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.
Who Should Consider the Bank of America® Business Advantage Travel Rewards World Mastercard®
It is our best business credit card for consultants because it offers one of the lowest minimum regular APRs in this guide. It also does not charge annual and foreign transaction fees and offers a 0% introductory period on purchases for the first nine billing cycles. The card made it to our roundup of the best business credit cards self-employed, making it a viable option for consultants who are also independent contractors.
Rewards:
- Unlimited 1.5x points for every $1 you spend on all purchases
- Up to 75% more points (worth 2.62 points) on every purchase if you have a Bank of America business checking account and qualify for the highest Preferred Rewards for Business tier. Learn more by reading our review of Bank of America business checking.
- Sign-up bonus: Receive 30,000 bonus points after spending at least $3,000 in purchases within the first 90 days of account opening. These can be redeemed for a $300 statement towards travel or dining purchases.
- Balance Connect® for overdraft protection: This is an optional overdraft protection service that can prevent declined purchases, returned checks, or other overdrafts after linking your credit card to a Bank of America business checking account.
- Travel and emergency services: It offers $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.
- Access to business credit scores: You can get access to your business credit scores for free within Business Advantage 360, Bank of America’s small business online banking.
Important considerations:
- It offers a short 0% introductory period on purchases.
- It does not have a 0% introductory period on balance transfers.
Chase Ink Business Cash®: Best for Earning Rewards on Office Essentials, Fuel & Dining Expenses
Ink Business Cash® Credit Card
BEST FOR:
Office-based businesses that want top cash back rewards
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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 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.
- No 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 sign-up bonus
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 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 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.
- No 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 sign-up bonus
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 United States manufacturer’s warranty by an additional year on eligible warranties of three years or less.
Who Should Consider the Chase Ink Business Cash®
This is one of our best credit cards for consultants as it offers premium rewards on office supplies, internet, cable, phone, fuel, and dining. Aside from the rewards and a 0% introductory period on purchases, it comes with insurance protection on purchases made with your card. It is also a great option for limited liability companies (LLCs) as it is our top-recommended best LLC credit card.
Rewards:
- 5% cash back on office supplies, internet, cable, and phone services for the first $25,000 each account anniversary year
- 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
- Sign-up bonus: Get $750 bonus cash back after spending $6,000 in purchases within the first 3 months of account opening.
- Chase Ink®: Gives you 24/7 access to account details and lets you view quarterly reports of up to 24 months’ worth of statement details. Chase Ink® can also help build your business credit through its credit history.
- Zero liability protection: Chase guarantees that you will not be held liable for unauthorized purchases made with your card and your account information.
Important considerations:
- It does not offer a 0% introductory period on balance transfers.
- It charges a high balance transfer fee of either $5 or 5% of the amount of each transfer (whichever is greater).
UnitedSM Business Card: Best for Consultants Who Travel Frequently
United℠ Business Card
BEST FOR:
Frequent United Airlines flyers who want to earn travel rewards
Intro APR
N/A
Regular APR
21.74% - 28.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Intro APR
N/A
Regular APR
21.74% - 28.74% Variable
Annual Fee
$99
Credit Needed
Good - Excellent
- Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Pros
- Doesn’t charge annual transaction fees
- With generous sign-up bonus
- High rewards rate
Cons
- Doesn’t offer 0% introductory APR on purchases and balance transfers
- Charges annual fees during the second year
- Need to pay separately for unlimited access to United Club
- Free employee cards: You can create employee cards at no additional cost—letting you earn miles faster and set individual spending limits for each employee card made.
- Priority boarding: Cardholders and their companions included on the same reservation will be invited to board first on any United-operated flight.
- Free first checked bag and save up to $140 per round trip: Both the primary cardholder and one companion traveling on the same reservation will each receive their first standard checked bag free—up to $35 value, each way, per person—on United-operated flights when the cardholder included their United MileagePlus® number in their reservation.
- Lost luggage reimbursement: If your or your immediate family member’s check or carry luggage was damaged or lost by the carrier, you can get up to $3,000 reimbursement per passenger.
- Baggage delay insurance: Receive reimbursement on essential purchases, such as toiletries and clothing, for baggage delays of more than six hours by passenger carrier or up to $100 a day for three days.
Who Should Consider the UnitedSM Business Card
It is an ideal business credit card for consultants wanting to maximize their travel experience. It offers access to priority boarding, free checked bags, among others. It’s also a good option for those who fly with United Airlines frequently, as its rewards can be used to redeem free flights with United Airlines and its partners. Its rewards and access to travel perks are partly why the card made it to our list of the leading business credit cards for miles.
Rewards:
- 2x miles per dollar spent on the following:
- United purchases
- Gas stations
- Dining (including eligible delivery services)
- Office supply stores
- Local transit (including rideshare services, taxicabs, train tickets, tolls, and mass transit)
- 1x miles per dollar spent on all other purchases
- Sign up bonus: Earn 50,000 bonus miles after spending $5,000 on purchases within the first three months of account opening
- United Club passes: Receive two United Club one-time passes per year, which is valued at $100.
- Anniversary year bonus: For each anniversary year, you can get the following rewards:
- 5,000 bonus miles if you both have the UnitedSM Business Card and a personal United credit card.
- $100 in United travel credits after seven United flight purchases of $100 or more.
- Luxury Hotel & Resort Collection: Cardmembers can receive complimentary benefits with every stay in its portfolio of more than 1,000 properties, such as hotels, resorts, lodges, and spas.
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $99 after the first year.
- You need to make a separate charge to have unlimited access to United Club.
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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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
- Doesn’t charge annual fees
- With sign-up bonus
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% and 2% cash back 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 our highest Preferred Rewards for Business 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.
- 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
- Doesn’t charge annual fees
- With sign-up bonus
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.
Who Should Consider the Bank of America® Business Advantage Customized Cash Rewards
It is a great option for consultants who want to earn premium rewards on their chosen spending category. What’s more, you can redeem your earned rewards in multiple ways. This is why this card is one of our best 0% APR business credit cards.
Rewards:
- 3% cash back on the category of your choice These are the following categories where you can earn 3% cash back: Gas stations (default), Office supply stores, Travel, TV/telecom and wireless, computer services, and business consulting services. and 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases per calendar year. 1% cash back if the cap is met
- 1% cash back on all other purchases
- Sign up bonus: Get $300 in statement credit after spending at least $3,000 in net purchases within 90 days of account opening.
- Preferred Rewards for Business Tier: For those with existing Bank of America checking accounts, you can earn up to 75% cash back on every purchase. This would mean:
- Up to 5.25% on selected categories and up to 3.5% on dining purchases on the first $50,000 in combined purchases each year.
- Up to an unlimited 1.75% cash back on all other purchases.
Read our Bank of America checking account review for more information about this product.
- Balance Connect® for overdraft protection: This is an optional overdraft protection service that can prevent declined purchases, returned checks, or other overdrafts after linking your credit card to a Bank of America business checking account.
Important considerations:
- It does not offer a 0% introductory period on balance transfers.
- Premium rewards are capped at $50,000.
- It charges foreign transaction fees.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for 0% Introductory APR for 15 Months & $100 Software Credit
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
19.24% - 28.24% (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 $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Who Should Consider the U.S. Bank Triple Cash Rewards World Elite Mastercard®
This is a great credit card for consultants, especially if you need to transfer high balances off from your other business cards. It offers one of the longest 0% introductory periods (first 15 billing cycles on purchases and balance transfers) and premium rewards on select business categories. This is why it is also one of our top 0% APR business credit cards.
Rewards:
- 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, cellphone service providers, and restaurants
- 1% cash back on all other eligible purchases
- $100 annual statement credit for recurring software subscription expenses, such as FreshBooks or QuickBooks
- Sign up bonus: Receive $500 in cash back after spending $4,500 in eligible net purchases within 150 days from account opening.
- U.S. Bank ExtendPay® Plan: Allows you to pay off balances in fixed monthly payments over time with no interest. Note that a fixed monthly fee will be applied.
- Earn Mall: The easiest way to earn additional cash rewards is to shop online at over 1,100 available stores at the Rewards Center Earn Mall.
Important considerations:
- The 0% introductory period does not apply to cash advances.
- A balance transfer fee is charged even during its introductory period.
American Express Blue Business CashTM: Best for Consultants Who Want 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
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- 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.
Who Should Consider the American Express Blue Business CashTM
It is ideal for consultants needing a card that offers the flexibility to exceed their credit limit through expanded buying power. This card also offers a 0% introductory period on purchases for the first 12 months, making it a good option for new consultants. For this reason, it is included as one of our top-ranking credit cards for startups and best small business credit cards.
Rewards:
- 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
- Expanded buying power: You can spend beyond your credit limit and enjoy cash flow flexibility. Note that this will depend on your card usage, payment history, credit score, and financial resources.
- QuickBooks integration: You can integrate your transactions into QuickBooks and easily tag them with your chosen QuickBooks categories.
- Free employee cards: Add employee cards for free to monitor employee spending and receive alerts and summary reports.
Important considerations:
- It does not offer rewards for its new cardholders.
- It charges foreign transaction fees.
- The 2% cash back is capped at $50,000 worth of annual spending.
Costco Anywhere Visa® Business Card by Citi: Best for Earning Rewards on Fuel Expenses
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
19.99% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
19.99% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Who Should Consider the Costco Anywhere Visa® Business Card by Citi
It is the best credit card for consultants who are always on the road or whose portion of their expenses fall on gas purchases. However, it requires an active Costco membership. Because of its premium fuel rewards, the card is one of our top choices for the best fuel cards for small businesses.
Rewards:
- 4% cash back on fuel purchases at eligible gas stations and electric vehicle (EV) charging purchases worldwide, including Costco, for the first $7,000 per year; and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- Citi Entertainment®: Cardholders can receive special access to presale tickets and exclusive events, alongside this year’s most anticipated concerts, sporting events, dining experiences, and more.
- Insurance protection: Citi offers protection such as damage and theft protection, and worldwide car rental insurance.
Important considerations:
- This card is exclusively for those with an active Costco membership.
- Its premium rewards are limited to fuel purchases and Costco purchases.
- It does not have a 0% introductory period.
- It does not have a sign-up bonus.
Capital One® Spark® Classic for Business: Best for Consultants With Fair Credit
Capital One® Spark® Classic for Business
BEST FOR:
Those with fair credit
Intro APR
N/A
Regular APR
30.49% variable
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Intro APR
N/A
Regular APR
30.49% variable
Annual Fee
$0
Credit Needed
Fair
- 1% cash back every time you swipe
- Build your business credit through responsible usage
- Issue employee cards for free
Pros
- Opportunity to build business credit
- Only requires fair credit to qualify
- Doesn’t charge annual and balance transfer fees
Cons
- Charges high ongoing APR
- Has no 0% introductory APR
- No sign-up bonus
- Automatic payments: Setting up AutoPay in the Capital One mobile app will save you from having to worry about signing in to your account every month
- $0 fraud liability: If your card is either lost or stolen, you can get an emergency replacement and cash advance.
- Purchase records: You can download all purchase records quickly and securely in multiple formats, including Quicken®, QuickBooks®, and Excel®.
- Extended warranty: Get free additional warranty and protection on eligible items purchased with your business credit card.
- Free employee cards: You can create multiple employee cards, track employee spending, and customize spending limits while earning all the rewards from their purchases.
Who Should Consider the Capital One® Spark® Classic for Business
This is the best credit card for consultants with a fair credit score (580 to 669). It is also our leading fair credit business card, thanks to its simple rewards program. On top of earning rewards, you can also use this card to help build and strengthen your credit, as your payment history will be regularly reported to the major credit bureaus.
Rewards:
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
- Unlimited 1% cash back on all purchases
- Flexible payments: You can choose your preferred monthly due date, making it easier to pay when you want.
- Capital One Travel: It offers the best prices on thousands of trip options (even after booking), with the flexibility to pay with your rewards, card, or both.
- Fraud and security alerts: You will receive email or text message alerts if Capital One detects a potential mistake or suspicious charge on your account.
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It does not have a sign-up bonus for its new cardholders.
Emburse Spend Card: Best for Earning Unlimited Cash Back Rewards
 Emburse Spend CardBEST FOR: Earning Unlimited Cash Back Rewards | |
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Spending Limit | Load Limit |
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Costs | |
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Who Should Consider the Emburse Spend Card
Emburse Spend Card, issued by Celtic Bank (member FDIC), is ideal for consultants wanting a business prepaid card that lets them earn 1% cash back on all eligible purchases, regardless of spending categories. It is also a viable option if you need to create multiple virtual and physical cards at no additional cost. Its unlimited cash back rewards and no additional fees are our reasons to include it as one of our best business credit cards for bad credit.
Reward:
- Unlimited 1% cash back on all purchases
- Emburse Spend: It offers a free system that lets users track real-time expenses, categorize vendors, and either approve or reject transactions. This is available on iOS and PC (Windows and Mac).
- Emburse Analytics: This feature lets users make data-driven decisions that can help improve their financial health.
Important considerations:
- It is incapable of making ATM withdrawals.
- It does not have a sign-up bonus for new account holders.
- It cannot be used to build business credit.
Brex Card: Best for Those Who Want Daily or Monthly Payments
 Brex CardBEST FOR: Those Who Want Daily or Monthly Payments | |
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Spending Limit | Load Limit |
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Costs | |
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Who Should Consider the Brex Card
Brex Card is perfect for those who budget their expenses either daily or monthly. It is also an alternative for startup information technology (IT) and life science businesses due to its comprehensive perks for both types. Its features and lack of additional costs made it one of our top-recommended corporate cards. The Brex Card is issued by Emigrant Bank and Fifth Third Bank, NA, and is backed by 10 partner banks—all of which are Federal Deposit Insurance Corp. (FDIC)-insured.
Rewards:
Variations of the Brex Exclusive Program | Specific Rewards |
|---|---|
Brex Exclusive Life Science Rewards |
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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. |
- Sign up bonus: Receive 10,000 points after spending $3,000 within the first three months after account activation.
- Brex expense management system: A free system that lets users track expenses, automatically matches receipts, and identifies excess spending.
- Software discounts: Receive software discounts from the following:
- Discount on TurboTax solution
- Save 40% off on QuickBooks Online or 50% on QuickBooks Self-Employed accounting products for 12 months (on top of a 30-day trial)
- Get Salesforce Essentials at $9.99 per user and per month for the first year
- First four (4) months free with a one-year Microsoft 365® subscription
- Unlimited free two-day shopping and free return shipping with a complimentary ShopRunner membership (at $79 value per year)
Important considerations:
- It requires a Brex Business Account, given that most transactions are charged to that account. Read our Brex Business account review to learn more about its features and criteria for applying.
- Premium rewards are limited to advertising, software, and life sciences companies.
- It cannot be used to build business credit.
Since consultants work in a wide range of industries, we selected cards with strong rewards programs that may be valuable to consultancy businesses. We also took into account the annual fees, ongoing APRs, introductory rates, bonuses, credit requirements, and reward redemption options.
Why Do You Need a Separate Business Credit Card?
Having a separate credit card intended only for your business use is essential for various reasons, including the following:
- Separating your business and personal finances: One of the primary benefits of having a business credit card is to avoid commingling your business and personal expenses. Failure to separate your business and personal finances can lead to bigger problems, including potential legal issues with the IRS. Check out our guide on how to separate your personal and business finances for more information.
- Building your business credit: Building business credit is essential if you want to have access to more financing options like business loans and business lines of credit. Having a business credit card is a great way to start building your business credit, especially if your consultancy business is relatively new. Our guide on how to build business credit can help you get started.
- Taking advantage of tax deductions: A consultancy business makes you eligible for tax deductions for business-related expenses. If you have a dedicated business credit card, it would be much easier to track your business expenses, making tax season a lot smoother.
Bottom Line
As an independent consultant, the best credit card for your business offers the most rewards in your preferred spending categories. If your purchases are inconsistent month over month, a fixed-rate rewards card is a better choice. If you’d like to see a wider variety of business credit cards, check out our roundup of the best small business credit cards.
