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As freelancers, we wear all the hats—creator, marketer, and, yes, financial manager. With irregular income and unique expenses, having the right credit card can make managing cash flow easier and even earn you some great rewards along the way. Whether you’re looking for flexibility, 0% APR promotions, or travel perks, these cards can make a big difference. Though a quick disclaimer is that you already have personal challenges with debt and money management I would avoid using credit cards to fix that. Anyways here are my top picks for freelancers:
1. Chase Ink Business Unlimited® and Chase Ink Business Cash®
If you’re looking for an all-around great business credit card with no annual fee, Chase has two excellent options for freelancers:
• Ink Business Unlimited®: Offers unlimited 1.5% cash back on every purchase.
• Ink Business Cash®: Earns 5% cash back on office supply purchases and internet, phone, and cable services (up to $25,000 annually), plus 2% back on gas and dining.
Both cards feature a 0% APR for the first 12 months, which is a game-changer for freelancers. This perk is perfect for managing cash flow, whether you’re covering an unexpected expense or making a big purchase like a new laptop or software. Plus, there’s no annual fee, so you don’t have to worry about extra costs eating into your budget.
Why I recommend Chase: Their rewards structure is simple, and the 0% APR allows you to invest in your business while spreading out payments without interest. For freelancers juggling irregular cash flow, this can provide much-needed breathing room throughout the year. Also for the HubSpot fans I was able to get front row seating at their annual INBOUND conference in Boston last year thanks to having this card in my wallet!
Learn more about the Chase Ink Business Unlimited® here.
Learn more about the Chase Ink Business Cash® here.
2. American Express Blue Business® Plus
Another excellent option for freelancers is the American Express Blue Business® Plus Credit Card, which also offers a 0% APR for the first 12 months. This card shines with its simplicity:
• Earn 2X Membership Rewards® points on all purchases (up to $50,000 annually, then 1X after that).
• No annual fee.
This card is ideal if you want to maximize points without worrying about spending categories. Plus, those points can be used for travel, statement credits, or gift cards, adding even more flexibility to your financial toolkit.
Why I recommend it: Like the Chase cards, the 0% APR helps freelancers manage cash flow, but the added benefit of 2X points on all purchases makes it a great choice for freelancers who value flexibility and rewards.
Learn more about the American Express Blue Business® Plus here.
3. The Best Travel Card: Capital One Venture X
For freelancers who travel often, whether it’s for conferences, client meetings, or remote work adventures, the Capital One Venture X is hands down the best travel card.
Here’s why:
• Earn 2X miles on all purchases and 10X miles on hotels and rental cars booked through Capital One Travel.
• Access premium travel benefits like a $300 annual travel credit, Priority Pass airport lounge access, and no foreign transaction fees.
• While there’s a $395 annual fee, the perks—especially the $300 travel credit—help offset the cost.
Why I recommend it: If you spend time on the road for work, this card pays for itself with its travel perks. Plus, the 2X miles on everything means you’re always earning rewards, whether you’re paying for flights, coffee shops, or office supplies.
Learn more about the Capital One Venture X here.
Final Thoughts
Freelancers have unique financial needs, and the right credit card can make managing your expenses and cash flow much easier. Whether you’re looking for no-annual-fee options with 0% APR promotions, like the Chase Ink Business cards and American Express Blue Business® Plus, or premium travel perks with the Capital One Venture X, there’s a card here to fit your needs.
If you’re ready to take the next step in managing your finances as a freelancer, start by choosing a card that matches your spending habits and business goals. And if you want to upgrade your coffee routine while you’re at it, check out Trade Coffee for the best subscription options—because every freelancer deserves a great cup of coffee while crunching numbers.
Disclaimer: This post contains referral links. If you use these links to sign up or make a purchase, I may earn a commission at no extra cost to you. Thank you for supporting my work!
