Managing business expenses as a sole proprietor often means having limited resources. So, the best credit cards for self-employed workers help to keep finances manageable. Sole proprietors can stay on budget with credit cards that offer relatively low annual percentage rates (APRs) and no-interest financing for seven months or more. Some cards also offer rewards on common business purchases and cash bonuses worth up to $500.
The best credit cards for self-employed workers of 2020:
- Chase Ink Business CashSM: (Best overall) Best credit card for self-employed workers
- American Express Blue BusinessTM Cash Card: Best for 0% APR with cash back rewards
- American Express Blue Business® Plus: Best for 0% APR on with points-based rewards
- Discover it® Cash Back: Best for double cash rewards for the first year
- Chase Ink Business UnlimitedSM: Best introductory rewards on a fixed-rate credit card
- U.S. Bank Business Cash Rewards World Elite™ MasterCard®: Best for no-cap 3% rewards
- Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for annual-fee free travel rewards
- Bank of America® Business Advantage Cash Rewards Mastercard®: Best for gas rewards
- U.S. Bank Cash+™ Visa Signature® Card: Best for choosing category rewards
- Chase Slate®: Best for 0% APR for 15 billing cycles
- Bank of America® Platinum Plus® Mastercard® Business card: Best for low-interest financing
For more details on how we evaluate business credit cards for this list, see our methodology.
Chase Ink Business CashSM: Overall Best Credit Card for Self-employed Workers
Ink Business Cash℠ Credit Card
Best For: Office-based businesses that want top cash back rewards
| Intro APR ?0% APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% Intro APR on Purchases | 14.74% - 20.74% Variable | $0 | Good - Excellent |
Chase Ink Business CashSM is the overall best credit card for self-employed workers because it offers top-tier introductory and ongoing rewards. This card’s prime rewards of up to 5% on select purchases can serve as discounts, which makes it one of the best business credit cards available. Apply this card’s rewards toward common self-employed expenses like office supplies stores, internet, phone, and cable services.
Chase Ink Business CashSM Costs
- Introductory APR: 0% APR for 12 months on purchases
- Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater
Other cards on our list offer better ongoing APRs, including the Bank of America® Business Advantage Travel Rewards World Mastercard®.
Chase Ink Business CashSM Rewards
- 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellular phone and landline services each account anniversary year, then 1%
- 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, then 1%
- 1% cash back on all other purchases
Welcome offer: $500 cash back after you spend $3,000 within your first three months
Only the Bank of America® Business Advantage Cash Rewards Mastercard® offers a similar combination of gas and restaurant rewards.
Chase Ink Business CashSM Additional Features
- 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
Learn more: Chase Ink Business CashSM review.
American Express Blue Business CashTM Card: Best for 0% APR With Cash Back Rewards
American Express Blue Business Cash™ Card
Best For: Earning 2% cash back every time you swipe and 0% introductory APR for 12 months
| Intro APR ?0% introductory APR for 12 months on purchases and balance transfers | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
The American Express Blue Business CashTM Card earns steady rewards on all purchases, making it a solid selection for those who purchase in a range of categories. Cardholders get a lengthy 0% APR period and access to premium American Express benefits without the annual fee. Self-employed workers often have a variety of purchases, so a fixed-rate card like this one is best for entrepreneurs on the go.
American Express Blue Business CashTM Card Costs
- Introductory APR: 0% for 12 months on purchases and balance transfers
- Ongoing APR: 13.24% to 19.24% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 3% of the transferred amount, whichever is greater
Compare this introductory APR with the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.
American Express Blue Business CashTM Card Rewards
- 2% cash back on all purchases up to $50,000 each year.
- 1% cash back on all additional purchases.
Welcome offer: None
Compare these rewards with Chase Ink Business UnlimitedSM.
American Express Blue Business CashTM Card Additional Features
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than one year. American Express provides an additional one year if the original manufacturer’s warranty is between one and five years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
- Baggage insurance: If your luggage is damaged or lost when you travel on a common carrier like a plane, trip, ship, or bus, American Express will reimburse you for losses not covered by your own personal insurance.
Learn more: American Express business card review.
American Express Blue Business® Plus: Best for 0% APR on With Points-based Rewards
The Blue Business® Plus Credit Card from American Express
Best For: Pocketing 2x points per $1 and 0% introductory APR for 12 months
| Intro APR ?0% introductory APR for 12 months on purchases and balance transfers | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% on purchases | 13.24% - 19.24% Variable | No annual fee | Good, Excellent |
Sole proprietors who travel often may want a points-based rewards card like the American Express Blue Business® Plus. This card offers a long 0% APR period as well as fixed-rate rewards that can be redeemed directly for travel. Cardholders that spend in a variety of places won’t have to keep track of categories to earn maximum rewards.
American Express Blue Business® Plus Costs
- Introductory APR: 0% for 12 months on purchases and balance transfers
- Ongoing APR: 13.24% to 19.24% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 3% of the transfer, whichever is greater
Compare these fees with the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.
American Express Blue Business® Plus Rewards
- 2 points per dollar on all purchases up to $50,000 each year
- 1 point per dollar on all additional purchases
Welcome offer: None
This is the highest-fixed rate points card on our list. If you’d rather like fixed-rate cash back, consider instead American Express Blue Business Cash™ Card.
American Express Blue Business® Plus Additional Features
- Baggage insurance: American Express offers a benefit for any luggage damaged, lost or stolen on any “air, land or water vehicle, other than a personal or rental vehicle”; the benefit is good for up to $1,250 for carry-on luggage and $500 for checked luggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
- Expanded buying power: If you have a large purchase, you may be able to spend above your credit limit; the portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due
Learn more: American Express business card review
Discover it® Cash Back: Best for Double Cash Rewards for the First Year
Discover it® Cash Back
Best For: Double cash back on the first year’s purchases
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% | 13.49% - 24.49% Variable | $0 | Good - Excellent |
Discover it® Cash Back is a top pick for self-employed workers looking for a personal credit card with great benefits. Earn this card’s highest rewards of 5% back on grocery store, Walgreens, and CVS purchases through March 31, 2020. It also offers double cash back－potentially 10% cash back for the first year. Plus, unlike its business counterpart, Discover It® Cash Back for Business, this card’s 0% APR period is the second-longest on our list.
Discover it® Cash Back Costs
- Introductory APR: 0% introductory APR on purchases and balance transfers for 14 months
- Ongoing APR: 13.49% to 24.49% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: 3% of the amount transferred, available until May 10, 2020
Compare this introductory APR to Chase Slate®.
Discover it® Cash Back Rewards
- 5% cash back—doubled the first year—on rotating quarterly categories like grocery stores, Walgreens, and CVS, on up to $1,500 in spending each quarter
- 1% cash back—doubled the first year—on all other purchases
Welcome offer: Instead of a traditional introductory rewards offer, Discover will match all of the cash back you earned at the end of your first year automatically. No other card on our list has a similar offer.
Discover it® Cash Back Additional Features
- Account lock: Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website
- Late fee waiver: You’ll pay no late fee the first time your payment is late; late fees are up to $39 after that
Chase Ink Business UnlimitedSM: Best Introductory Rewards on a Fixed-rate Credit Card
Ink Business Unlimited℠ Credit Card
Best For: Pocketing 1.5% cash back on every single purchase
| Intro APR ?0% APR for 12 months on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% Intro APR on Purchases | 14.74% - 20.74% Variable | $0 | Good - Excellent |
When you’re looking for a fixed-rate cash back rewards card with a generous introductory bonus, consider Chase Ink Business UnlimitedSM. You’ll earn a $500 cash bonus after spending $3,000 on purchases in the first three months, and fixed-rate cash back of 1.5% on everyday purchases. The ongoing rewards may not be the highest, but the introductory offer makes this card well worth it.
Chase Ink Business UnlimitedSM Costs
- Introductory APR: 0% APR for 12 months on purchases
- Ongoing APR: 14.74% to 20.74% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: Either $5 or 5% of the balance transferred, whichever is greater
Compare these costs with the U.S. Bank Business Cash Rewards World Elite™ Mastercard®.
Chase Ink Business UnlimitedSM Rewards
You’ll earn unlimited 1.5% cash back on all purchases, regardless of spending category.
Welcome offer: $500 cash back after you spend $3,000 in the first three months.
Compare these rewards with American Express Blue Business® Plus.
Chase Ink Business UnlimitedSM Additional Features
- 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 US 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
Learn more: Chase Ink Business UnlimitedSMreview.
U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for No-cap 3% rewards
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
Best For: Tiered rewards on gas station, office supply store and cell phone purchases
| Intro APR ?0% APR for 15 billing cycles on purchases and balance transfers | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0%* | 11.99% - 22.99%* Variable | $0* | Excellent |
Typically, cards that have excellent rewards limit your earning potential. If you’re self-employed and spend more than $25,000 a year, this startup business credit card is a great option. This card earns its highest rate of 3% cash back on office supplies and phone service purchases, but without the cap on rewards. It also offers a decent cash bonus along with an additional 25%, up to $250, on your previous year’s spending.
U.S. Bank Business Cash Rewards World Elite™ Mastercard® Costs
- Introductory APR: 0% on purchases and balance transfers for the first fifteen billing cycles
- Ongoing APR: 11.99% to 22.99%, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 3% of the transfer during application, whichever is greater
Compare this introductory APR with American Express Blue Business® Plus.
U.S. Bank Business Cash Rewards World Elite™ Mastercard® Rewards
- 3% cash back on cellphone purchases and service
- 3% cash back on gas purchases up to $200 per single purchase
- 3% cash back at office supply stores
- 1% cash back on all other eligible purchases
Welcome offer: $500 after you spend $4,500 within the first 150 days.
U.S. Bank also provides a unique annual bonus equal to 25% of your prior year’s cash rewards, up to a maximum of $250. No other small business cash back credit card offers an ongoing annual bonus.
U.S. Bank Business Cash Rewards World Elite™ Mastercard® Additional Features
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank 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 you 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.
Learn more: U.S. Bank business card review.
Bank of America® Business Advantage Travel Rewards World Mastercard®: Best for Annual Fee-free Travel Rewards
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Best For: Earning top rewards on travel purchases booked through Bank of America
| Intro APR ?0% APR for nine billing cycles on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% 9 billing cycles | 13.74% - 23.74% Variable APR on purchases | $0.00 | Excellent |
The Bank of America® Business Advantage Travel Rewards World Mastercard® is a good fit for those that travel regularly. This card rewards self-employed workers with 3x points on each dollar spent on travel. Plus, business owners that already have a banking relationship with Bank of America can potentially get additional rewards if they qualify for the Preferred Rewards program.
Bank of America® Business Advantage Travel Rewards World Mastercard® Costs
- Introductory APR: 0% on purchases for nine billing cycles
- Ongoing APR: 13.74% to 23.74% Variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater
The introductory APR is the shortest of any card on our list, and, unlike American Express Blue Business® Plus, Bank of America offers no introductory APR on balance transfers.
Bank of America® Business Advantage Travel Rewards World Mastercard® Rewards
- 3 points per dollar spent on travel purchases—car, hotel, and airline—booked through Bank of America Travel Center
- Unlimited 1.5 points per dollar spent on all other purchases
Welcome offer: 30,000 bonus points when you make at least $3,000 in net purchases in the first 90 days
When you enroll in the Preferred Rewards for Business program, you can get an additional 75% rewards bonus on every purchase you make. That means you can earn up to an unlimited 2.62 points on all purchases, which is a higher rate than any other card on this list offers for everyday spending. However, to earn that rate, you have to have at least $100,000 deposits or investments with the bank.
Bank of America® Business Advantage Travel Rewards World Mastercard® Additional Features
The Bank of America® Business Advantage Travel Rewards World Mastercard® doesn’t come with nearly as many perks as the other best business rewards credit cards. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment.
Learn more: Bank of America business card review.
Bank of America® Business Advantage Cash Rewards Mastercard®: Best for Gas Rewards
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Best For: Up to 3% cash back in a spending category of your choice
| Intro APR ?0% APR for nine billing cycles on purchases | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% 9 billing cycles | 13.74% - 23.74% Variable APR on purchases | $0.00 | Excellent |
Being self-employed can mean frequent road trips and driving to business meetings. In that case, you’ll need a credit card that allows you to earn rewards on gas. The Bank of America® Business Advantage Cash Rewards Mastercard® is one of the best credit cards for self-employed workers because it earns 3% in any category you choose, including gas. It also earns a decent rate on dining purchases, without the rewards cap that some cards come with.
Bank of America® Business Advantage Cash Rewards Mastercard® Costs
- Introductory APR: 0% for nine billing cycles on purchases
- Ongoing APR: 13.74% to 23.74% Variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: Either $10 or 4% of the amount of each transaction, whichever is greater.
This card has no introductory offer on balance transfers and—unlike Chase Slate®—charges a balance transfer fee.
Bank of America® Business Advantage Cash Rewards Mastercard® Rewards
- 3% cash back on the category of your choice such as gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services for the first $50,000 in combined choice category/dining purchases each calendar year, then 1% thereafter
- 2% cash back at restaurants
- 1% cash back on all other purchases
Welcome offer: $300 statement credit when you make at least $3,000 in net purchases within 90 days
This card offers unique bonus value for businesses that have a Bank of America checking or savings account. Enroll in the Preferred Rewards for Business program to receive an additional 75% rewards bonus on every purchase. These tiered-relationship bonuses begin when you have at least $20,000 in assets with the bank.
Bank of America® Business Advantage Cash Rewards Mastercard® Additional Features
This card doesn’t come with nearly as many perks as other cards on our list. You will receive up to $100,000 in travel accident insurance, which covers you in case of loss of life or dismemberment. Cards like the Chase Ink Business CashSM card offer additional benefits like purchase protection and car rental insurance.
Learn more: Bank of America card review
U.S. Bank Cash+™ Visa Signature® Card: Best for Flexible Rewards
U.S. Bank Cash+™ Visa Signature® Card
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| N/A | 15.49% – 24.99% Variable | None | Good - Excellent |
The U.S. Bank Cash+™ Visa Signature® Card offers its cardholders the flexibility to choose how they would like to earn rewards. This personal credit card for self-employed contractors has 12 rewards categories that you can select to earn up 5% cash back in. Because this card caps its top rewards rate, sole proprietors who spend less than $2,000 each quarter will see the most benefit.
U.S. Bank Cash+™ Visa Signature® Card Costs
- Introductory APR: 0% APR for the first 12 billing cycles on any balance transfers made within 60 days from account opening
- Ongoing APR: 15.49% to 24.99% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 3% of the balance transfer, whichever is higher.
Compare this introductory APR with Discover it® Cash Back.
U.S. Bank Cash+™ Visa Signature® Card Rewards
- 5% cash back on your first $2,000 in combined eligible net purchases each quarter on two categories you choose from a group of 12
- 2% cash back on one category that you choose from gas stations, restaurants, and grocery stores
- 1% cash back on all other spending
Welcome offer: $150 cash bonus after making $500 in eligible net purchases within the first 90 days
The 12 spending categories that could earn 5% cash back include streaming services, fast food, cellphone providers, department stores, home utilities, select clothing stores, electronics stores, sporting goods stores, movie theaters, gyms/fitness centers, furniture stores, and ground transportation.
U.S. Bank Cash+™ Visa Signature® Card Additional Features
- Extended warranty: U.S. Bank will double the original manufacturer’s warranty up to one additional year on warranties of three years or less; coverage is limited to $10,000 per claim
- Purchase protection: The issuer will repair, replace or reimburse you for an item purchased with the card that was damaged or stolen within 90 days of purchase; coverage is limited to $500 per claim and $50,000 per account each year
- Auto rental collision damage waiver: Coverage is primary, meaning it replaces any coverage your personal insurance might offer, in case your rental is lost or stolen while you’re traveling
Chase Slate®: Best for 0% APR for 15 Billing Cycles
Chase Slate® credit card
Best For: No-fee balance transfers
| Intro APR ?0% APR for 15 months on purchases and balance transfers | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% for 15 months | 16.49%–25.24% Variable | $0 | Good - Excellent |
If consolidating credit card debt is your main concern, stick with the Chase Slate® personal credit card. This card offers the longest no-interest period on purchases and balances transfers among the credit cards on our list. Use this card for free financing on business expenses or for paying off other credit cards. A long introductory APR like this can help you save money and reduce financing costs.
Chase Slate® Costs
- Introductory APR: 0% for 15 months on purchases and balance transfers
- Ongoing APR: 16.49% to 25.24%, which will adjust based on the prime rate
- Annual fee: None
- Balance transfer fee: None on transfers made within 60 days of account opening; after that, either $5 or 5% of the amount of each transfer, whichever is greater
This may be the cheapest card for balance transfers when you factor in balance transfer fees. Compare that with the American Express Blue Business® Plus.
Chase Slate® Rewards
Chase Slate® is the only card on our list that offers no introductory or ongoing rewards. We ranked other cards higher on our list because they offer introductory rewards as high as $500 and ongoing rewards of up to 5%.
Chase Slate® Additional Features
- Free monthly FICO score updates & monitoring: The issuer will update this monthly and monitor the reasons why your score may be up or down
- Purchase protection: Covers your purchases for 120 days against theft and damage up to $500 per claim and $50,000 per account per year
- No penalty APR: The issuer will not increase your APR if you pay late; this is the same benefit Citi Simplicity offers
Bank of America® Platinum Plus® Mastercard® Business card: Best for Low-interest Financing
Bank of America® Platinum Plus® Mastercard® Business card
Best For: Low-interest financing on business purchases
| Intro APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|
| 0% 7 billing cycles | 11.74% - 22.74% Variable APR on purchases | $0.00 | Excellent |
If keeping costs low is more important than ongoing rewards, consider the Bank of America® Platinum Plus® Mastercard® Business card. This no-annual-fee card is a great resource for self-employed contractors who maintain a tight budget. Although this card has no rewards program, it offers a no-interest financing period and the lowest APR on our list. Use this card to pay for business expenses and keep your financing costs minimal.
Bank of America® Platinum Plus® Mastercard® Business card Costs
- Introductory APR: 0% APR on purchases for seven billing cycles
- Ongoing APR: 11.74% to 22.74% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $10 or 4% of the balance transferred, whichever is greater
Choose this card only if you need access to cheap ongoing financing. There are several better options on our list for introductory purchases and balance transfers, including Chase Slate®.
Bank of America® Platinum Plus® Mastercard® Business card Rewards
The Bank of America® Platinum Plus® Mastercard® Business card doesn’t offer a rewards program as an opportunity to earn either points or cash back. It is the only card on our list that doesn’t offer ongoing rewards.
Welcome offer: $300 statement credit after you make at least $3,000 in net purchases in the first 90 days
Bank of America® Platinum Plus® Mastercard® Business card Additional Features
This card doesn’t offer many additional bells and whistles when compared with some of the other best credit cards on our list. The only additional feature worth noting is travel accident insurance, which is also available on the Bank of America® Business Advantage Travel Rewards World Mastercard®. You will receive up to $100,000 in travel accident insurance for loss of life or dismemberment.
Learn more: Bank of America card reviews
How to Qualify for a Business Credit Card
Most, but not all, of the cards on our list are small business credit cards. If you’re self-employed or an independent contractor, you can qualify for a credit card for new businesses. Even if you sell items on the side on Amazon, eBay, or Etsy, that’s enough to qualify in the eyes of issuers. If you don’t have a tax identification number (TIN) or employer identification number (EIN), you can apply using your Social Security number.
How We Evaluated the Best Credit Cards for Self-employed Workers
The best credit card for self-employed and independent contractors offer low APRs and easily accessible funding for business expenses. These cards can be personal or business credit cards. They typically have no annual fees and 0% APR periods that last as long as 15 months. See methodology in detail.
Bottom Line
The best credit cards for self-employed workers help those workers keep more money in their pockets. The cards charge no annual fee, have low ongoing APRs, and offer introductory interest-free financing on purchases and balance transfers for nine months or more. The top cards offer introductory rewards of up to $500 and ongoing rewards of 5%.
For rates and fees on the American Express Blue Business Cash™ Card, please click here.
For rates and fees on the American Express Blue Business® Plus, please click here.
