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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 Visa® Business Card: 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
- Ramp Card: Best for a straightforward rewards program with 1.5% cash back on all purchases.
- Brex Card: Best for no personal credit check with daily or monthly payment options
- Ink Business Preferred® Credit Card: 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
- U.S. Bank Triple Cash Rewards Visa® Business Card: Overall Best Business Credit Card for Consultants With Extend-Pay Option & $100 Software Credit
- American Express Blue Business CashTM: Best for Consultants Who Want Fixed-rate Cash Back & the Flexibility to Exceed Their Credit Limit
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Travel Rewards
- Ramp Card: Best for a straightforward rewards program with 1.5% cash back on all purchases
- Brex Card: Best for No Personal Credit Check With Daily or Monthly Payment Options
- card_name: Best for Earning Rewards on Office Essentials, Fuel & Dining Expenses
- card_name: Best Pay-in-Full Card With Generous Welcome Offer
- card_name: Best for High Credit Limit With High Introductory Bonus
- How We Selected the Best Credit Cards for Consultants
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best Business Credit Cards for Consultants
| Best For | Annual Fee | Welcome Offer | Ongoing Rewards | Credit Needed | ||
|---|---|---|---|---|---|---|
 U.S. Bank Triple Cash Rewards Visa® Business Card | (Overall) Extend-pay option and $100 software credit | $0 | $750 cash back | Up to 5% cash back | Good to Excellent | APPLY NOW |
 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 | Apply nowRates & Fees |
 Bank of America® Business Advantage Travel Rewards World Mastercard® | Earning travel rewards | $0 | 30,000 bonus points | Up to 3× points per dollar | Excellent | Apply now |
 Ramp Card | Best for a straightforward rewards program with 1.5% cash back on all purchases | $0 | None | Up to 1.5% cash back | No credit check
| Apply now |
 Brex Card | No personal credit check with daily or monthly payment options | $0 | 10,000 points | Up to 8× points | No credit check | Apply now |
| card_name | Earning rewards on office essentials, fuel, and dining expenses | annual_fees | Earn $750 bonus cash back | Up to 5% cash back | Good to Excellent | Learn more Rates & Fees |
| card_name | Pay-in-full card with generous welcome offer | annual_fees | bonus_miles | Up to 5% cash back | Excellent | Learn more |
| card_name | High credit limit with high introductory bonus | annual_fees | bonus_miles | Up to 5× points | Good to Excellent | Learn more |
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 Visa® Business Card: Overall Best Business Credit Card for Consultants With Extend-Pay Option & $100 Software Credit
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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.
- 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
- 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
American Express Blue Business CashTM: Best for Consultants Who Want Fixed-rate Cash Back & the Flexibility to Exceed Their Credit Limit
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% 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, 16.74% – 28.49%, 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 the first $50,000 of purchases each calendar year, 1% thereafter. 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. Learn More.
- 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 the first $50,000 of eligible purchases 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
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Earning Travel Rewards
| Intro APR | 0% 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.
- 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
Ramp Card: Best for a straightforward rewards program with 1.5% cash back on all purchases
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
- Up to 1.5% cash back on purchases, regardless of spending categories
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Why we like it: The Ramp Card is one of our top picks for for early-stage companies that are looking for a simple rewards program and need smart financial controls without added fees. Ramp offers unlimited 1.5% cash back on all purchases, with no annual, setup, or foreign transaction fees. Credit limits are often significantly higher than standard business cards, giving startups room to grow. It also integrates seamlessly with Ramp’s expense management platform, helping teams of all sizes track spending and enforce policies.
- 1.5% cash back on all purchases, regardless of spending categories
- Unlimited virtual and physical cards at no additional costs
- Ramp’s platform lets you set spending controls on every card, block certain merchants, and monitor expenses in real time
- Offers direct integration with a variety of popular accounting systems, including QuickBooks, NetSuite, Xero, and Sage Intacct
Consider the Ramp Card if you:
- Are currently using Ramp as your primary financial management tool. Check out our Ramp review to learn more about the platform’s features, pricing, and alternatives.
- Are looking to maximize rewards without having to focus on specific spending categories.
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 |
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| Costs | |
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| Read our Brex Card review | Apply Now |
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 |
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| Brex Exclusive Daily Payments Rewards | Advertising
Software
Life sciences
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| 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
- Access to a free system that lets users track expenses, automatically matches receipts, and identifies excess spending
- Exclusive software discounts
- No personal guarantee required
card_name: Best for Earning Rewards on Office Essentials, Fuel & Dining Expenses
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | 16.99% - 24.99% Variable |
| Annual Fee | annual_fees |
| Credit Needed |
- Earn up to $750 when you spend $6,000 on purchases in the first three 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
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
- 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
- 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
card_name: Best Pay-in-Full Card With Generous Welcome Offer
| 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 $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.
- 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
card_name: Best for High Credit Limit With High Introductory Bonus
| 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 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
- 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
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)
Why do I need a separate business credit card?
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.
What is the difference between a traditional business credit card, a charge card, and a prepaid card?
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.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cards
American Express Blue Business CashTM Card
