The Best Credit Cards for Business Owners (If You’re Side-Hustling)
Running a side hustle — whether it’s freelance design, selling on Etsy, or driving for Uber — means you’re technically a business owner. And that gives you access to a category of credit cards built specifically for small-business spending. Business credit cards offer higher limits, better rewards, and powerful accounting tools — all while keeping your personal finances separate. Here are the best options for 2025 and how to choose one that fits your hustle.
Why Side-Hustlers Should Consider a Business Card
Even if you’re a sole proprietor with no employees, business credit cards can simplify bookkeeping and build a separate business credit profile. According to the U.S. Small Business Administration (SBA), responsible use of a business card can make it easier to qualify for loans later — and protect your personal credit in case your business expenses spike.
Top Business Credit Cards for Side-Hustlers in 2025
- Chase Ink Business Unlimited® — Earn 1.5% cash back on every purchase with no caps. Comes with a $750 welcome bonus after meeting the minimum spend. No annual fee and integrates seamlessly with QuickBooks.
- American Express Blue Business Cash™ — 2% cash back on the first $50,000 each year, then 1%. Ideal for freelancers and consultants who want predictable rewards and strong purchase protections.
- Capital One Spark Cash Select for Excellent Credit — Unlimited 1.5% cash back and no annual fee. Great for e-commerce sellers or rideshare drivers who prefer simplicity over rotating categories.
- Bank of America Business Advantage Unlimited Cash Rewards — 1.5% cash back, plus a 75% rewards boost if you’re part of the Preferred Rewards program. Excellent option for small LLC owners.
- Wells Fargo Business Platinum Credit Card — Choose between 1.5% cash back or 1 point per dollar with a 1,000-point monthly bonus for heavy users. Solid for established side businesses with predictable expenses.
What to Look for in a Business Card
- No personal annual fee: Cards like Ink Business Unlimited® keep costs low for growing hustles.
- Expense tracking tools: Automatic categorization and export to accounting software save hours each month.
- Rewards aligned with spending: Pick a card that fits your biggest categories — travel, ads, gas, or supplies.
- Reports to business bureaus: Not all cards do. Choose one that reports to Dun & Bradstreet or Experian Business to help build business credit.
Expert tip: You don’t need a registered LLC to apply for most business cards. You can apply as a sole proprietor using your Social Security number instead of an EIN — just be honest about your business income and type.
How Business Cards Affect Your Credit
Most business cards check your personal credit for approval, but their usage doesn’t always appear on your personal report unless you default. This means responsible use can help you separate personal and business finances while minimizing risk to your FICO® score. Late payments, however, will still show up — so automation is key.
Final Thoughts
For freelancers, creators, and gig-economy earners, a good business credit card isn’t just a payment tool — it’s an engine for financial growth. Pick one that matches your real expenses, pay in full each month, and let it help your side hustle mature into something bigger. In a world where nearly half of Americans have a second income stream, the right card can turn a passion project into a sustainable business.
Not financial advice. Business credit card offers and eligibility criteria change frequently. Always confirm details on the issuer’s official website before applying.
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