Check the best 2021 business credit cards and their benefits!

You can find many Business Credit Cards available to freelancers or business owners with rewards like cashback. Here are four of the best ones that you should definitely consider if you’re looking for one.

American Express: Blue Business Cash Card

This card has a 0% annual fee and simple terms. You can earn 2% cashback on all your purchases, which is very useful if your purchases aren’t limited to one category.  However, this cashback is lowered to 1% after you hit a threshold that consists of $50,000 a year.

There’s no welcome bonus, but this company makes it up with an interesting addition: a benefit called Amex Offers, reserved only to the company’s cardholders. Because of a partnership with popular travel merchants, retailers, insurance companies, and utility companies, you’ll get cashback and statement-credit offers at them thanks to Amex Offers.

Bank Of America: Business Advantage Cash Rewards Mastercard

You’ll also find a 0% annual fee with this card, although the way its cashback rewards work is more complicated. There are three categories with different benefits. The first one gives you 2% cash back on dining, while the second one lets you earn 3% cashback on a field of your choice (within their given options), which you can switch each month. This bonus is limited to the first $50,000 every calendar year and covers all combined purchases. Lastly, you’ll earn 1% cashback on all other purchases.

There’s a welcome bonus of $300 statement credit if you manage to spend $30,000 before 90 days pass after you’ve opened your card account. In addition to this, you’ll receive 75% more cashback if you’re a preferred Business Platinum Honors member in this company’s Preferred Rewards program.

Chase: Ink Business Cash

There’s no annual fee on this card either. You’ll also find different cashback rewards in different purchases: there’s 5% cashback for what you’ll buy in an office supply store, and on Internet, cable, and phone services; you’ll get 2% back on purchases at restaurants and gas stations; there’s 1% cashback on the other fields. Keep in mind that the first two rewards have a threshold of $25,000 each, which covers all combined categories.

You can choose between several redemption options, which include merchandise, gift card statement credits, and travel-related services and products. The last option is only available if you pair up this card with another one that offers Ultimate Rewards.

There’s also the profitable possibility to earn a hefty welcome bonus with a relatively low spending amount. If you spend $3,000 with this card before three months go by after you first got it, you can earn $500 in bonus cashback! Compared to other bonuses on this list, there’s the same time limit for a bigger reward, which is obtained with less money.

If you’re the owner of a small business, check these Small Business Credit Cards and see how they can help your company!

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