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Small Business

Unveiling the Top 8 Credit Cards of 2024: The Ultimate Financial Tools for Freelancers and Side Hustlers

If you’re looking to make some extra cash, you might consider driving for a ridesharing app like Uber or Lyft, or delivering food with DoorDash or Instacart. You could also freelance as a writer or graphic designer, or teach English online in your free time. These are some of the most popular side jobs right now.

These gig workers are technically small-business owners, and they’re usually eligible for small-business credit cards. This is true even if they don’t plan to turn their side hustle into a full-time job.

So, what are the best credit cards for freelancers and side hustlers? The best ones have low or no annual fees and offer generous rewards programs that favor general spending or a wide range of everyday business expenses. They also often have attractive sign-up bonuses. Plus, you can apply using your personal credit score, which is great if you don’t have any business credit history or haven’t formally incorporated your freelance business.

Here are some of the best credit cards for freelancers and side hustlers:

  1. Chase Ink Business Unlimited® Credit Card: This card has no annual fee and offers unlimited 1.5% cash back on all purchases. It also has a great sign-up bonus if you can spend enough in eligible purchases during the first three months.

  2. Chase Ink Business Cash® Credit Card: This card also has no annual fee and offers up to 5% cash back on eligible purchases.

  3. The American Express Blue Business Cash card: This card has no annual fee and offers 2% cash back on the first $50,000 in eligible purchases each year.

  4. The Blue Business® Plus Credit Card from American Express: This card has no annual fee and offers 2 points per $1 spent on the first $50,000 in eligible purchases each year.

  5. Capital One Spark Cash Plus: This card has a $150 annual fee but offers unlimited 2% cash back on most eligible purchases.

  6. Capital One® Spark® Miles for Business: This card has a $95 annual fee after the first year and offers unlimited 2 miles per $1 spent on most eligible purchases.

  7. Capital One® Spark® Cash Select for Excellent Credit: This card has no annual fee and offers 1.5% cash back on most purchases.

  8. Capital One® Spark® Cash Select for Business for Good Credit: This card has no annual fee and offers up to 5% cash back.

Remember, the best card for you depends on your specific needs and spending habits. So, take the time to compare the features and benefits of each card before making a decision.

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