Best Credit Cards for Freelancers

Freelancers need to spend money. Even single-handed operations have some overhead of spinning wheels, from pens and pencils to thousands of dollars of high-end equipment. Although small business loans can operate in some cases, the continuing costs are almost always better handled by credit cards. However, freelancers have unique needs, and you shouldn't just assume that personal cards are the best way to fund your business expenses. Use separate business cards to get rewards specific to your operations and to separate your personal expenses from your professional expenses. So if you're looking for a quality credit card to fund your freelance or small business, here are some Best Credit Cards for Freelancers this year.

Best Credit Cards for Freelancers List

Business Platinum Card® from American Express OPEN

The Business Platinum Card from American Express OPEN carries a lot of prestige and is known as much for its generous rewards as it is for its hefty $450 annual fee.It has an attractive introductory offer, as well as a bevy of other benefits that are sure to make frequent fliers smile, such as bonus points for trip purchases and complimentary airport lounge access. But with such a large annual fee and rewards aimed mostly at travelers, this card is not for every business owner.This card is best for established businesses with a positive cash flow, a strong credit history and two or more years in business.This card is one of our picks for the Best Credit Cards for Freelancers.

Chase Ink Business Cash Card

As a businessperson, you hope that what you put into your work will come back to you. Here’s a card that can reward you for spending money on your business. The Ink Cash® Business Card gives you cash back on all your purchases, low introductory rates, and free employee cards.

Capital One® Spark® Cash for Business

The Capital One® Spark® Cash for Business is a good card for businesses looking to maximize rewards. It earns users an unlimited 2% cash back on all purchases. And though there is an annual fee, unlike many business cards, this card does not limit the amount of cash back you can earn and your cash rewards never expire.

Capital One Credit Cards

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees

Capital One QuicksilverOne Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

Journey Student Rewards Credit Card from Capital One

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

What Are Credit Cards For Freelancers

This is a kind of credit card, which is especially recommended for those freelancers. By comparing and evaluating the data, the card that suits the needs of the freelancers is screened out, which brings convenience to the life of the freelancers and meets the needs of the freelancers.

How To Pick Best Credit Cards For Freelancers

1. Annual fee. Although some people prefer Best Credit Cards for Freelancers without annual fees, others believe that Best Credit Cards for Freelancers with annual fees can also be accepted. For occasional travelers, the fee card may recover their fees after the first round trip of free checked baggage, WiFi and onboard shopping.

2. Interest rates. The main goal of any credit card is always to pay it back regularly and avoid the balance; the interest rate of such users is irrelevant. However, this is not always feasible. Sometimes the cardholder holding the balance should know the interest rate and choose the card offering the best interest rate. Credit cards used for overdraft protection usually generate higher interest rates for overdraft prepayments.

3. Foreign transaction fees. Usually set to 3%, the cost will soon increase to anyone using Best Credit Cards for Freelancers outside the United States. Many cards offer free foreign transactions and apply to business cards, so there is usually no reason why travelers must use toll cards.

4. Other expenses. Other costs may increase depending on how you plan to use the card. The use of zero-balance transfer preferences usually generates 2% or more of the transfer amount, partially offsetting interest savings. Overdue payments may incur costs and may raise interest rates for the entire account.

5. sign up bonus. Getting a new Best Credit Cards For Freelancers is a great opportunity to get a registration bonus. When comparing Best Credit Cards for Freelancers, look for rewards that can be used, such as points that can be transferred to your preferred airline or hotel brand, or cash returns.

6. Incentive scheme. To find the best plan, match the reward plan with typical consumption habits. Aviation joint brand cards usually provide the best reward for travel-related expenses, so they are less valuable for those who do not travel regularly. Some business cards superimpose additional incentives on office supplies or other business-related expenses. Many consumer cards offer the heaviest rewards for groceries and gasoline.

7. Reporting tools. This is where business cards have more advantages than most consumer cards. Since each fee must be categorized according to tax purposes, it would be great if the application provided by the credit card could handle this task for you.

How To Use Credit Cards For Freelancers

1. Payment on time. In order to avoid bad interest, late fees, and credit scores, you should pay on time. One way people end up in credit card debt is not just to charge too much for their credit cards.

2. Understanding the settlement cycle. Your credit card company will issue a statement every month, including two dates: deadline and payment date. The deadline is the last day you can charge for a statement. After the deadline, any new transactions will be made in the next month's statement. The payment date will tell you when the payment for a particular statement will expire.

3. Full payment. Full payment of bills is important for judicious use of the best credit cards because it allows you to avoid interest and build high credit scores.

Should You Get Best Credit Cards For Freelancers

Whether you're a long-term freelancer or just starting out, having credit cards that can be used for free expenses can be very helpful in keeping your books in order, but there's no reason why you shouldn't make money and reward them at the same time. So please choose Best Credit Cards for Freelancers. Of course, this card is the best one for you to meet your needs. If you use this card in your life, you can handle a wallet.

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Best Credit Cards for Freelancers Tips

  1. If you want to know your Best Credit Cards for Freelancers payment details, like your credit card balance. Please contact the Best Credit Cards for Freelancers customer service or get a Best Credit Cards for Freelancers application.
  2. In order to manage your Best Credit Cards for Freelancers payment online, you need to log in to the Best Credit Cards for Freelancers official website.
  3. About Best Credit Cards for Freelancers login and how to apply for a Best Credit Cards for Freelancers, you need to go to the official website.
  4. Getting a Best Credit Cards for Freelancers application will be a lot of convenience, contact the Best Credit Cards for Freelancers customer service or go to the Best Credit Cards for Freelancers official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Best Credit Cards for Freelancers phone numbers is correct, there will be text alerts.

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