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|Card Name||Welcome Bonus & Benefits|
|Ink Business Preferred℠ Credit Card||- 80,000 Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening
- Earn 3 Chase Ultimate Rewards points per $1 on the first $150,000 spent in select categories each anniversary year
- Earn 1 Chase Ultimate Rewards point per $1 on all other purchases - with no limit to the amount you can earn
- $95 annual fee (NOT Waived)
|SimplyCash® Plus Business Credit Card from American Express||- Special Offer: Earn up to $500 in statement credits
-You’ll earn a $250 statement credit after spending $5,000 in qualifying purchases on your card within the first 6 months of card membership. And you’ll earn another $250 statement credit after spending an additional $10,000 or more in qualifying purchases on your card within the first year of card membership
- 5% cash back on wireless telephone services purchased directly from US service providers and US office supply stores
- 3% cash back on the category of your choice from a list of eight and 1% cash back on other purchases
- No annual fee
- Terms Apply
|Ink Business Cash℠ Credit Card||- $300 (30,000 Ultimate Rewards points) after spending $3,000 in purchases within first 3 months of opening your account
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV 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
- No annual fee
|Capital One® Spark® Cash for Business||- $500 cash bonus after you spend $4,500 on purchases within 3 months of account opening
- Unlimited 2% cash back on purchases
- $95 annual fee (Waived the first year)
|The Business Platinum® Card from American Express OPEN||- Welcome Offer: Earn up to 75,000 Membership Rewards points
- You'll earn 50,000 AMEX Membership Rewards points after spending $10,000 on purchases within your first 3 months of account opening. And you'll earn an extra 25,000 AMEX Membership Rewards points after spending an additional $10,000 on purchases on within the same time frame
- 5X AMEX Membership Rewards points on flights and prepaid hotels on amextravel.com
- Up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, & more
- Terms Apply
Small business owners know having the right credit card for your spending can make a world of difference.
Business cards come with great bonuses and bonus spending categories that can increase the rewards you earn on your business expenses.
What some folks don’t realize is they may already qualify for a business card and could be missing out on Big Travel with Small Money. This is especially true for freelancers, because they generally don’t have a separate business structure or tax ID.
But you don’t need an LLC or EIN (Employer Identification Number) to apply for a business card. Most freelancers are sole proprietors, so they can use their own name and social security number as the legal business name and business tax ID.
Turn Your Freelance Gigs Into Miles & Points
Business cards earn rewards on expenses like:
- Computer hardware and software
- Website design and hosting fees
- Office supplies and furniture
- Travel expenses like fuel, taxi fares, airfare, or hotels
- Legal or professional fees
- Internet or phone service
- Studio or office space (if you can pay with a credit card or Plastiq)
- Shipping expenses
- And anything else you purchase to complete your work!
And as you’ll see, many business cards earn bonus points on the expenses freelancers are already paying!
Best Cards to Earn Points on Freelance Business Expenses 2018
Freelance jobs can cover a wide range of activities. For example, the following freelance jobs could qualify you for a business card:
- Graphic designer
- Web designer
- Video editor
- Interior designer or decorator
- Virtual assistant
- Real estate agent or investor
- Uber or Lyft drivers
- Delivery driver with UberEATS, GrubHub or Postmates
- Folks doing work on Fiverr or TaskRabbit
- And almost anyone else who is working for themselves!
1. Chase Ink Business Preferred Card
There are lots of reasons why the Chase Ink Business Preferred card is my top card for small businesses.
It comes with an incredible 80,000 Chase Ultimate Rewards point sign-up bonus after spending $5,000 on purchases within 3 months of account opening.
You’ll also get:
- 3 Chase Ultimate Rewards points per $1 spent on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites, and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year)
- 1 Chase Ultimate Rewards point per $1 on all other purchases
- Up to $600 in cell phone insurance when you pay your cell phone bill with the card
- 25% bonus when redeeming points through the Chase Ultimate Rewards travel portal
The $95 annual fee is NOT waived for the first year.
If your business requires a large amount of travel, this card will earn you bonus points on most of those purchases. You’ll earn 3 Chase Ultimate Rewards points per $1 spent on travel expenses like airfare, hotels, taxis, trains, tolls, parking, and car rentals. This is great because other business cards won’t earn bonus points on such a wide range of travel expenses.
And Chase Ultimate Rewards points are very valuable (they’re my favorite transferrable points!). The sign-up bonus is worth $800 in statement credits or $1,000 in travel booked with the Chase Travel Portal.
But you could get even more value from your Chase Ultimate Rewards points if you transfer them to partners like Hyatt or United Airlines. For example, you could transfer 75,000 Chase Ultimate Rewards points to Hyatt and book 3 nights at the Park Hyatt Maldives Hadahaa, which can easily cost $1,000+ a night!
2. AMEX SimplyCash Plus Business Card
You’ll earn a $250 statement credit after spending $5,000 in qualifying purchases on your card within the first 6 months of card membership. And you’ll earn another $250 statement credit after spending an additional $10,000 or more in qualifying purchases on your card within the first year of card membership.
The card also comes with:
- 5% cash back at US office supply stores & on wireless telephone service purchased directly from US service providers on purchases up to $50,000 per calendar year (1% after that)
- 3% cash back in the category of your choice (from a list of 8) on purchases up to $50,000 per calendar year (1% after that)
- 1% cash back on all other purchases
- Terms and limitations apply
The AMEX SimplyCash Plus card is great for growing businesses. Because you can change your 3% cash back category every year. So as your business needs shift, your credit card can adjust with it!
Each year between December 1 and January 31, you can choose the 3% cash back category that makes the most sense for your business from 1 of the following:
- Airfare purchased directly from airlines
- Hotel rooms purchased directly from hotels (excluding timeshares, banquets, and events)
- Car rentals purchased from select car rental companies
- US gas stations
- US restaurants
- US purchases for advertising on select media
- US purchases for shipping
- US computer hardware, software, and cloud computing purchases made directly from select providers
And if you need to make a large investment in your business, the AMEX SimplyCash Plus card comes with the ability to “expand your buying power.” So you can actually make purchases over your credit limit without paying any fees. But you’ll need to pay the balance that exceeds your credit limit off in full every billing cycle or you will pay a penalty rate.
3. Chase Ink Business Cash Card
The Chase Ink Business Cash card is a no-annual-fee card with great bonus categories!
It currently comes with a $300 (30,000 Chase Ultimate Rewards points) bonus after spending $3,000 on purchases within the first 3 months of account opening.
You’ll also earn:
- 5% cash back (5X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
- 2% cash back (2X Chase Ultimate Rewards points) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
- 1% cash back on all other purchases
With the Chase Ink Business Cash card, you could earn an extra $1,750 cash back (175,000 Chase Ultimate Rewards points) a year (5% office supply & internet bonus X $25,000 + 2% gas & restaurant bonus X $25,000)! But those rewards could be worth much more.
Folks with a Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred card can pool the Chase Ultimate Rewards points earned with the Chase Ink Business Cash and transfer them to travel partners.
This is a great way to increase the value of the Chase Ultimate Rewards points you earn with the card!
4. Capital One Spark Cash for Business
If you don’t want to keep track of bonus categories, the Capital One Spark Cash for Business is a great choice. You’ll earn 2% cash back on all purchases!
The Capital One Spark Cash for Business card earns a $500 cash bonus after spending $4,500 on purchases in the first 3 months of account opening. The $95 annual fee is waived the first year, and it doesn’t have any foreign transaction fees.
If you run a business with a lot of expenses that don’t fall under another card’s bonus category, this is the perfect card. There is no limit to the amount of cash back you can earn in a year.
So if you’re a real estate investor you could save big! Team member Jason has a friend who paid for a $40,000 home rehab with his Capital One Spark Cash for Business card and earned $800 cash back ($40,000 X 2%)!
5. The Business Platinum® Card from American Express OPEN
The AMEX Business Platinum card currently has a 75,000 AMEX Membership Rewards point welcome offer. You’ll earn 50,000 AMEX Membership Rewards points after spending $10,000 on purchases within your first 3 months of account opening. And you’ll earn an extra 25,000 AMEX Membership Rewards points after spending an additional $10,000 on purchases on within the same time frame.
The card’s other perks are a great fit for freelancers who travel frequently.
You’ll also get:
- 5X AMEX Membership Rewards points when you book airfare and hotels through the AMEX travel portal
- 1.5X AMEX Membership Rewards points on single purchases of $5,000+
- 35% of your points back for ALL First Class or Business Class flights booked through the AMEX travel portal using Pay With Points
- 35% of your points back for all flights, including coach tickets, booked with your selected airline through the AMEX travel portal using Pay With Points
- Up to $200 in statement credits per calendar year for airline incidentals with your selected airline (luggage fees, change fees, etc.)
- Terms & limitations apply
After meeting the minimum spending, you’ll have at least 95,000 AMEX Membership Rewards points (75,000 AMEX Membership Rewards points bonus + $20,000 minimum spending X 1X AMEX Membership Rewards point per $1). You could transfer the points and book your travel directly with an AMEX transfer partner like British Airways or Delta.
Or you could book travel with the AMEX travel portal and Pay With Points. You’ll have to pay with a minimum of 5,000 AMEX Membership Rewards points on each transaction. And each point is worth 1 cent toward airfare.
But if you’re purchasing airfare from your selected airline, or First Class or Business Class tickets, you’ll get a 35% points rebate. This would make the bonus worth almost $1,400 of airfare!
|Points||Value of Airfare Through the AMEX Travel Portal||35% Points Rebate Amount|
|95,000 AMEX Membership Rewards Points||$950||33,250 AMEX Membership Rewards points|
|33,250 AMEX Membership Rewards points||~$332||11,637 AMEX Membership Rewards points|
|11,637 AMEX Membership Rewards points||~$116||4,072 AMEX Membership Rewards points|
The card has a high annual fee ($450, NOT waived for the first year), but perks like the $200 airline credit on your selected airline and the Global Entry or TSA PreCheck credit can make the annual fee worth it.
And your travel will be more comfortable with the complimentary lounge access (Delta, Priority Pass, Airspace, AMEX Centurion Lounges, and more) and hotel elite status benefits (Starwood Gold, Hilton Gold) that come with the card.
Qualifying for a small business card could be as simple as having a freelance side-gig. And if you’re a sole proprietor, filling out a business card application is simple. You can use your social security number as the business tax ID and your name as the legal business name.
And no matter what your business expenses are, there is a card that can earn you rewards for them!
If you travel a lot for business, the Chase Ink Business Preferred and AMEX Business Platinum cards earn bonus points for your airfare, hotels, and more. And you can also save $1,000+ in travel expenses with their bonuses!
For folks who have lots of expenses that don’t fall into a bonus category, the Capital One Spark Cash Business card earns 2% cash back on all purchases. And there is no limit to the cash back you can earn!
What card do you use for your freelance business expenses?