11 Best Business Credit Cards for the Self-employed in 2023

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates
& Fees

Intro APR

0% on purchases

Regular APR

17.74% - 25.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
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.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
No Annual Fee
Terms Apply

Pros

0% intro APR
Welcome bonus
Fixed rate rewards
No 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.

See Rates & Fees

Why we like it: The American Express Blue Business Cash^TM Card is our choice for the best overall business credit card for self-employed business owners and freelancers because of its flexibility and simple rewards program. It features expanded buying power, allowing you to spend beyond your credit limit. The amount adjusts with your usage, payment history, credit record, and financial resources.

Additionally, it has no annual fee and offers fixed-rate rewards on all spending categories. You’ll receive 2% cash back on all eligible purchases up to $50,000 per calendar year, and then 1% cash back thereafter. There’s no minimum reward amount to redeem, and cash back is credited to your statement automatically.

Other things you need to know about the American Express Blue Business Cash^TM Card include:

Sign-up bonus: You’ll get a $250 statement credit after you make $3,000 in purchases on your card in your first three months.
0% intro APR: Enjoy interest-free financing for 12 months from the date of opening an account.
Cash advance isn’t allowed: If you need to take out a cash advance from time to time, this card may not be right for you, as it doesn’t allow cash advances.

The American Express Blue Business Cash^TM Card is our top-ranking cash back business credit card because of its simple cash back rewards program and flexible credit limit.

Chase Ink Business Cash®: Best for Self-employed With Home Offices

Ink Business Cash® Credit Card

BEST FOR:

Office-based businesses that want top cash back rewards

On Chase's Secure Website

Intro APR

0% Intro APR on Purchases

Regular APR

16.24% - 22.24% Variable

Annual Fee

Credit Needed

Earn $750 bonus cash back after you spend $7,500 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
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Intro APR

0% Intro APR on Purchases

Regular APR

16.24% - 22.24% Variable

Annual Fee

Credit Needed

Good, Excellent

Earn $750 bonus cash back after you spend $7,500 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
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

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 US manufacturer’s warranty by an additional year on eligible warranties of three years or less.

Why we like it: The Chase Ink Business Cash® card may be a good fit for self-employed individuals and freelancers who work from a home office. It has no annual fee and offers a fabulous 5% cash back on the first $25,000 spent on office supplies, internet, cable, and phone services. It also offers 2% cash back on the first $25,000 spent at gas stations and restaurants, and then 1% on everything else. In addition, you get $900 cash back after spending $6,000 in the first three months.

Here are a few other things you should know about the Chase Ink Business Cash^SM card:

0% APR: Enjoy a 0% introductory APR on purchases for the first 12 months after the account is opened. However, this promotional rate doesn’t apply to balance transfers.
Designed mainly for office-based and online companies: This card is beneficial if you have significant expenses on office supplies. But if you operate online and don’t need office supplies, you can still take advantage of the high cash back rate on internet, cable, and phone services.
Redemption options: Redeem rewards for cash back, gift cards, travel, and select merchandise through Chase Ultimate Rewards®.

The Chase Ink Business Cash® card is named the overall best credit card for startups because of its lucrative rewards and flexible redemption options. The 0% APR, no annual fee, and free employee cards are the other reasons this card is great for startup businesses.

Bank of America® Business Advantage Unlimited Cash Rewards Secured: Best for Self-employed Individuals With Bad or Limited Credit

Business Advantage Unlimited Cash Rewards Secured Credit Card

BEST FOR:

Those who cannot qualify for unsecured business credit cards

on Business Advantage Unlimited Cash Rewards Secured Credit Card's secure website.

Intro APR

None

Regular APR

26.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

No annual fee
Unlimited rewards
Builds business credit

Cons

Security deposit is required
No sign-up bonus
No 0% Intro APR

Cash flow management tools
Travel and emergency services
Online and mobile access
Balance Connect™ for overdraft protection
Zero liability protection

Intro APR

None

Regular APR

26.49%

Annual Fee

None

Credit Needed

Poor

Earn unlimited 1.5% cash back on all purchases

Pros

No annual fee
Unlimited rewards
Builds business credit

Cons

Security deposit is required
No sign-up bonus
No 0% Intro APR

Cash flow management tools
Travel and emergency services
Online and mobile access
Balance Connect™ for overdraft protection
Zero liability protection

Why we like it: The Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card is a great option for freelancers and self-employed business owners who have bad or limited credit and couldn’t qualify for a regular, unsecured business credit card. You only need to make a security deposit of at least $1,000 to qualify for this card. The amount of your security deposit will determine your credit limit.

Moreover, it offers unlimited 1.5% cash back on all purchases and has no annual fees. You can redeem your cash rewards as a deposit into your Bank of America checking account or savings account, a statement credit, or a check mailed to you.

Here are the things that you need to know about the include:

Has a varied credit limit: The amount of your credit limit will depend on your security deposit.
No sign-up bonus or introductory APR: It has no sign-up bonus, and it also doesn’t offer an interest-free financing period.
Builds business credit: You can build your business credit over time when you make consistent on-time payments, allowing you to qualify for unsecured business credit cards.

The Bank of America® Business Advantage Unlimited Cash Rewards Secured credit card is also our #1 choice for the best secured business credit cards and best business credit cards for bad credit.

Capital One® Spark® Classic: Best for Self-employed With Fair Credit

Capital One® Spark® Classic for Business

BEST FOR:

Fair credit business owners (580 to 669)

on Capital One® Spark® Classic for Business's secure website.

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Intro APR

N/A

Regular APR

29.74% (Variable)

Annual Fee

Credit Needed

Average, Fair, Limited

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
No annual fee

Cons

No 0% introductory APR
No sign-up bonus
High APR

Purchase protection: Capital One will replace, repair, or reimburse you for eligible items in the event of theft or damage within the first 90 days of purchase.
Extended warranty protection: You’ll get additional warranty protection on eligible items that are purchased with your business card, up to 1 year past the manufacturer’s warranty.
Auto rental collision damage waiver: You’re covered for damage due to collision or theft when you rent an eligible car with your Capital One® Spark® Classic for Business card.

Why we like it: Capital One® Spark® Classic for Business credit card is best for self-employed individuals and freelancers who have fair credit, with personal credit scores between 580 and 669. It doesn’t have an annual fee, and you can earn 1% cash back on all purchases, regardless of expense categories. When used responsibly, this unsecured business credit card can help you build or improve your credit.

You can redeem your cash back as a statement credit or through a check sent by mail. You can use your rewards as gift cards at restaurants, retailers, and hotels. It’s important to note that it doesn’t offer a sign-up bonus and a 0% introductory APR.

Here are a few things that you need to know about the Capital One® Spark® Classic for Business credit card:

Rewards have no expiration date: Your rewards don’t expire as long as your account remains open and in good standing.
No balance transfer fees: If you need to transfer a balance from another credit card, you don’t need to pay balance transfer fees. However, you’ll be charged a balance transfer APR.
High APR: Keep in mind that this card comes with a high ongoing APR of 29.74%. It’s best to pay your balance in full each month to avoid paying high interest.

The Capital One® Spark® Classic for Business credit card is our best overall business credit card for fair credit because it can help build and strengthen your credit with responsible use, allowing you to qualify for another business credit card with lower APR and better terms.

Capital One® Spark® Cash Select Good Credit: Best for Self-employed Individuals With Good Credit

Capital One® Spark® Cash Select Good Credit

BEST FOR:

Businesses with good credit that want a 0% introductory APR

On Capital One's Secure Website

Intro APR

Regular APR

20.24% - 28.24% variable, which adjusts with the prime rate

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual fee
Ability to finance purchases with 0% APR for 12 months
Free employee cards

Cons

0% APR doesn’t apply to balance transfers
No sign-up bonus

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
Roadside assistance: Services like jump-starting, tire changing, and towing

Intro APR

Regular APR

20.24% - 28.24% variable, which adjusts with the prime rate

Annual Fee

Credit Needed

Good

Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
Unlimited 1.5% fixed-rate cash back on all purchases with no limits or category restrictions

Pros

No annual fee
Ability to finance purchases with 0% APR for 12 months
Free employee cards

Cons

0% APR doesn’t apply to balance transfers
No sign-up bonus

$0 foreign transaction fee: No foreign transaction fees on purchases made outside of the United States
$0 fraud liability: Advance emergency replacement for lost and stolen cards plus a cash advance
Roadside assistance: Services like jump-starting, tire changing, and towing

Why we like it: If you’re a freelancer or self-employed business owner who has good credit, the Capital One® Spark® Cash Select Good Credit card is an excellent option. It has no annual fee and offers unlimited 1.5% cash back on all business-related purchases. You can redeem your cash back upon request in the form of a statement credit, check by mail, or gift cards from restaurants, retailers, or hotels.

Here are the things that you should know about the Capital One® Spark® Cash Select Good Credit card:

0% APR: You can take advantage of the 0% introductory APR on purchases for 12 months. However, this doesn’t apply to balance transfers.
No sign-up bonus: Unlike most small business credit cards in this list, this card doesn’t offer sign-up bonuses.
Reduced credit cost: The Capital One® Spark® Cash Select Good Credit card doesn’t charge annual, balance transfer, or foreign transaction fees, helping you reduce your overall credit cost.

The Capital One® Spark® Cash Select Good Credit card is also part of the top-recommended business credit cards for consultants because of its easy rewards program, flexible redemption options, and reduced overall credit cost.

U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard: Best for Substantial Gas & Dining Expenses

U.S. Bank Business Triple Cash Rewards World Elite Mastercard®

BEST FOR:

0% APR for 15 billing cycles

On US Bank's Secure Website

Intro APR

0% for first 15 billing cycles

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.99% to 25.99%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

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.

See Rates
& Fees

Intro APR

0% for first 15 billing cycles

Regular APR

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

Limited Time Offer: Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
Earn 3% cash back on eligible purchases at gas stations and electric vehicle charging stations, office supply stores, cellphone 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 Travel 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 16.99% to 25.99%.
No annual fee
Pay over time by splitting eligible purchases of $100-plus into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
Terms and conditions apply

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.

See Rates and Fees

Why we like it: The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard has no annual fee and it’s best for freelancers and the self-employed who have frequent and significant expenses on gas and dining. You can earn 3% cash back on eligible purchases at gas and EV charging stations and restaurants, as well as at office supply stores and cell phone service providers. You can also earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.

If you need to make a large purchase or transfer a substantial balance from another credit card, this card is a suitable option. You can enjoy interest-free financing for both balance transfers and purchases for 15 billing cycles. If you budget your payments over those 15 months, by the time the introductory APR ends, you’ll have paid down your balance to zero.

Here are the other things you should know about the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard:

Sign-up bonus: If you spend $4,500 within the first 150 days of opening your account, you’ll receive $500 cash back.
Balance transfer fee: A balance transfer fee of 3% or a minimum of $5 is charged even during the introductory period.
Annual software subscription credit: You can receive an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.

The U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard is our best fuel business credit card because of its generous rewards on gas purchases and fewer fees. It’s also part of our top-ranking business credit cards for balance transfer list because of its long 0% APR introductory period on balance transfers and lucrative sign-up bonus.

PNC Cash Rewards® Visa Signature® Business Credit Card: Best for Low Ongoing APR

PNC Cash Rewards® Visa Signature® Business Credit Card

BEST FOR:

PNC Bank account holders who want to earn cash back rewards

On PNC's Secure Website

Intro APR

0% for 9 billing cycles

Regular APR

15.24% to 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.

Intro APR

0% for 9 billing cycles

Regular APR

15.24% to 24.24% Variable

Annual Fee

Credit Needed

Good - Excellent

Earn $250 cash bonus for spending $3,000 in the first three billing cycles
0% APR on purchases for the first nine billing cycles after opening an account
Earn 1.5% cash back on all purchases
No annual fee

Pros

No annual fee
Sign-up bonus
Low ongoing APR

Cons

Short 0% APR period
No 0% APR period on balance transfers
Online application not available for nonaccount holders

Cash Flow Insight®: This tool helps you monitor your spending categories so that you can plan your budget.
Business integrations: You can download your transactions into Excel®, Quicken®, or QuickBooks®, or use .csv files.
Visa Signature® benefits: This card comes with Visa travel benefits and protection for purchases.

Why we like it: For self-employed individuals and freelancers who need to carry a balance from time to time, the PNC Cash Rewards® Visa Signature® Business Credit Card is a good fit. It offers a low ongoing starting APR—the lowest among all other cards on this list. Plus, you get to enjoy 0% APR on purchases for the first nine months after opening an account.

It offers an unlimited, fixed-rate cash back of 1.5% on all business-related purchases. As a welcome bonus, you can earn $400 after you spend at least $3,000 in qualifying net purchases during the first three billing cycles of card membership.

Here are a few things that you need to know about the PNC Cash Rewards® Visa Signature® Business Credit Card:

No annual fee: You can take advantage of unlimited cash back without having to pay annual fees, reducing your overall credit cost.
Flexible redemption options: You can redeem your cash back rewards anytime as a statement credit, or deposit cash back into an eligible PNC Business checking account or savings account.
No 0% APR on balance transfers: Keep in mind that the 0% intro APR is only for purchases—there’s no interest-free financing option on balance transfers.

If you’re a self-employed real estate agent, the PNC Cash Rewards® Visa Signature® Business Credit Card may also be an excellent option. It’s one of our top-recommended business credit cards for real estate agents because of its low ongoing APR and simple rewards program.

Amazon Business Prime American Express Card: Best for Recurring Amazon Purchases

Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

18.74% - 26.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates
& Fees

Intro APR

N/A

Regular APR

18.74% - 26.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% Back on other purchases
$0 Annual Fee
Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
Terms apply.

Pros

5% back or 90-day terms
No annual and foreign transaction fees

Cons

No 0% introductory APR
Only for Amazon Prime members

Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.

See Rates & Fees

Why we like it: If you regularly make business purchases through Amazon, you could benefit from the Amazon Business Prime American Express Card, which has no annual fee outside of the business prime membership fee. You also get to choose between earning 5% cash back or a 90-day interest-free billing cycle on US purchases at Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market on the first $120,000 in purchases each calendar year, and 1% cash back after the cap is met.

In addition, you can earn 2% back at US restaurants and gas stations and on wireless telephone services purchased directly from US service providers. You’ll also earn 1% back on all other expense categories. It’s important to note that you need a valid Amazon Prime membership to qualify.

Some things you should know about the Amazon Business Prime American Express Card are the following:

Sign-up bonus: Get a $125 Amazon.com gift card upon approval for the Amazon Business Prime American Express Card—no minimum purchase required.
Exclusive to Amazon Prime members only: This card is designed only for existing members of Amazon Prime. Non-Prime members aren’t eligible to apply for this credit card.
No 0% introductory APR: Unless you choose the 90-day interest-free term, this card doesn’t offer a 0% introductory APR.

The Amazon Business Prime American Express Card is the leading Amazon business credit card because of its easy sign-up bonus and high cash back option. This is best for self-employed business owners who make frequent Amazon purchases and have an existing Amazon Prime membership.

Chase Ink Business Unlimited®: Best for Self-employed With No Business Credit History

Ink Business Unlimited® Credit Card

BEST FOR:

Pocketing 1.5% cash back on every single purchase

on Ink Business Unlimited® Credit Card's secure website.

Intro APR

0% Intro APR on Purchases

Regular APR

17.49% - 23.49% Variable

Annual Fee

Credit Needed

Good - Excellent

BEST OFFER EVER: Earn $900 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.
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 less

Intro APR

0% Intro APR on Purchases

Regular APR

17.49% - 23.49% Variable

Annual Fee

Credit Needed

Good - Excellent

BEST OFFER EVER: Earn $900 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.
With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
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

Pros

0% introductory APR on purchases
Unlimited cash back rewards on all purchases

Cons

Introductory APR period doesn’t apply to balance transfers
5% balance transfer fee
Charges foreign transaction fees
Requires excellent credit to qualify

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 less

Why we like it: If you don’t have a business credit history, the Chase Ink Business Unlimited® is one of your best bets as a freelancer or self-employed business owner. Its straightforward rewards program allows you to earn unlimited 1.5% fixed-rate cash back on all purchases regardless of expense categories. You can also benefit from interest-free financing for the first 12 months of card ownership.

On top of that, it doesn’t charge an annual fee, allowing you to save on overall credit cost. Plus, you can earn a sign-up bonus of $900 when you spend $6,000 within the first three months. Redeem your rewards as a statement credit, or for gift cards, travel, and merchandise through Chase Ultimate Rewards®.

Other things about the Chase Ink Business Unlimited® that you should be aware of include:

No 0% APR on balance transfers: If you need to transfer a balance from another card, you’ll be charged an APR ranging from 17.49% to 23.49% right away.
No expiry on rewards: Your rewards don’t expire as long as your account remains open and in good standing.
Other benefits: You’ll enjoy other card benefits including extended warranty protection, purchase protection, travel and emergency assistance services, and auto rental collision damage waiver.

The Chase Ink Business Unlimited® is our number one pick for the best small business credit cards and top business credit cards for new businesses with no credit history because of its easy rewards program and other card benefits.

Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Self-employed Who Travel Frequently

Bank of America® Business Advantage Travel Rewards World Mastercard® credit card

BEST FOR:

Earning top rewards on travel purchases booked through Bank of America

on Bank of America® Business Advantage Travel Rewards World Mastercard® credit card's secure website.

Intro APR

Regular APR

16.49% - 26.49% 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 net 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. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
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 and up to 5.25 points per $1 spent at the Bank of America Travel Center.
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: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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

Regular APR

16.49% - 26.49% 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 net 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. Points don't expire.
Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center.
No annual fee and no international transaction fees.
0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 16.49% to 26.49% will apply.
Redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America Travel Center, cash back or gift cards.
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 and up to 5.25 points per $1 spent at the Bank of America Travel Center.
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: The Bank of America Business Advantage Travel Rewards World Mastercard® offers 0% APR for the first nine billing cycles from opening an account—this is a disadvantage if you need a longer 0% APR period.
No 0% APR on balance transfers: The introductory 0% APR only applies to purchases—if you need to transfer a balance from another credit card, you’ll need to pay an APR ranging from 12.24% to 22.24%.

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: If you’re a freelancer or self-employed business owner who travels frequently for business, consider the Bank of America® Business Advantage Travel Rewards World Mastercard®. You can earn 3x points for every $1 spent on flights, rental cars, and hotels booked through the Bank of America Travel Center. You’ll also earn an unlimited 1.5x points per dollar on all other purchases.

Redeem your points for travel, travel credits, or cash back in the form of a statement credit, a deposit into your Bank of America account, or a check by mail. Moreover, this card lets you reduce your credit cost because it has no annual fee, no foreign transaction fees, and low interest rates.

Here are the other important things you should know about the Bank of America® Business Advantage Travel Rewards World Mastercard®:

Boost rewards: If you have a business checking account with Bank of America and qualify for Preferred Rewards for Business, you can earn up to 75% more points on every purchase.
Sign-up bonus: Receive 30,000 bonus points when you spend at least $3,000 in net purchases within 90 days of opening an account. This is equivalent to a $300 credit toward travel.
0% APR period: This card offers 0% APR on purchases for the first nine billing cycles after opening an account. Keep in mind that the introductory APR doesn’t apply to balance transfers.

The Bank of America® Business Advantage Travel Rewards World Mastercard® was named as one of our best business credit cards for travel because it comes with a low starting APR, simple rewards program, and no annual fees or foreign transaction fees.

SVB Innovators Card: Best Charge Card With No Personal Guarantee

SVB Innovators Card

BEST FOR:

Those who do not want a personal guarantee

on SVB Innovators Card's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None

Credit Needed

Excellent

Unlimited 2x points per dollar on every purchase, with no caps or spending category restrictions

Pros

Doesn’t charge annual and foreign transaction fees
No personal liability is required

Cons

Doesn’t offer 0% introductory APR
Requires excellent credit
Needs to pay the balance in full each month
Doesn’t have sign-up bonus

No personal liability: You don’t need to be personally liable for your business’s credit card debts because this business charge card doesn’t require a personal guarantee, meaning that SVB won’t go after your personal assets in case you fail to pay off your balance.
Travel and expense (T&E): You can save time with T&E tools like in-app receipt capture and real-time updates for seamless reporting.
Expense app integration: You can integrate your accounting with Xero, QuickBooks, Intacct, and NetSuite.

Intro APR

N/A

Regular APR

N/A

Annual Fee

None

Credit Needed

Excellent

Unlimited 2x points per dollar on every purchase, with no caps or spending category restrictions

Pros

Doesn’t charge annual and foreign transaction fees
No personal liability is required

Cons

Doesn’t offer 0% introductory APR
Requires excellent credit
Needs to pay the balance in full each month
Doesn’t have sign-up bonus

No personal liability: You don’t need to be personally liable for your business’s credit card debts because this business charge card doesn’t require a personal guarantee, meaning that SVB won’t go after your personal assets in case you fail to pay off your balance.
Travel and expense (T&E): You can save time with T&E tools like in-app receipt capture and real-time updates for seamless reporting.
Expense app integration: You can integrate your accounting with Xero, QuickBooks, Intacct, and NetSuite.