8 Best Credit Cards for Self-employed

• 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.)

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• 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% 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: You can decline the company’s collision insurance and charge the entire rental cost to this card.
• Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
• Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
• Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.

• 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

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

• Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
• Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
• Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
• Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
• Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

(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.)

• 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

• Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening
• Earn unlimited 1.5% cash back for your business on every purchase, everywhere - with no limits or category restrictions
• No annual fee
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
• Rewards won't expire for the life of the account
• Redeem your cash back rewards for any amount
• Free employee cards, which also earn unlimited 1.5% cash back on all purchases
• $0 Fraud Liability for unauthorized charges

• Automatic payments: Set up AutoPay to not worry about signing into your account every month to set your payments
• Downloadable purchase records: Quickly and securely download your purchase records in different formats, such as Quicken®, QuickBooks®, and Excel®
• Free employee cards: Track employee spending while earning all the rewards from their purchases by issuing free employee cards.
• $0 fraud liability: Secure an emergency replacement and a cash advance if your card is lost or stolen
• Exclusive deals at Capital One Travel: Get the best prices on thousands of trip options, even after you book. In addition, pay flexibly using your earned rewards, a card, or both
• Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time

• Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
• Earn 2X points in the top two categories where you spend the most each month automatically.
• 1X points per dollar spent on all other eligible purchases.
• Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
• No limits on the total rewards your business can earn.
• Terms and conditions apply.

• Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
• Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.

• Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
• This card has no preset spending limit, so you get purchasing power that adapts to your spending needs. The annual fee on this card is $395
• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings through Capital One Travel
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Receive up to a $120 credit for Global Entry or TSA PreCheck(R). Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass
• This is a pay-in-full card, so your balance is due in full every month
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection

• Virtual Cards: Generate virtual card numbers to make secure payments online, keeping your physical card details private and simplifying expense tracking.
• Security Alerts: Receive real-time alerts via text, email, or phone if Capital One detects any suspicious activity on your account.
• Card Lock & $0 Liability for Unauthorized Charges: Instantly lock your card or an employee’s card if it’s misplaced, lost, or stolen. Plus, enjoy $0 liability protection for any unauthorized charges.
• Cell Phone Protection: Get reimbursed up to $600. Certain terms, conditions and exclusions apply.
• Customer Support with Eno: Capital One’s virtual assistant, Eno, monitors your accounts 24/7, sending alerts for any unusual activity and answering questions instantly to support your financial needs.