Best Credit Cards for Freelancers
Freelancers don’t have a traditional paycheck, so having the right credit card can help with cash flow, expenses, and building credit. Here are some of the best options in 2025:
Top Credit Cards for Freelancers
1. Chase Ink Business Preferred
- Rewards: 3x points on travel, shipping, internet, and advertising
- Annual Fee: $95
- Best For: Freelancers with high business expenses
2. American Express Blue Business Cash™
- Rewards: 2% cash back on all purchases up to $50,000 per year
- Annual Fee: $0
- Best For: Beginners looking for simple cash back
3. Capital One Spark Cash for Business
- Rewards: 2% cash back on all purchases
- Annual Fee: $0 intro, $95 after first year
- Best For: Freelancers who want straightforward rewards
4. Brex Card for Freelancers
- Rewards: Up to 7x points on certain categories like software and travel
- Annual Fee: $0
- Best For: Tech-savvy freelancers with fast-growing business
5. Citi® Double Cash Card
- Rewards: 2% cash back (1% when you buy + 1% when you pay)
- Annual Fee: $0
- Best For: Freelancers who want consistent cash back
Tips for Freelancers Using Credit Cards
- Pay your balance in full to avoid high interest rates.
- Track expenses for tax purposes.
- Choose cards that align with your spending habits.