Business Credit Cards for Solopreneurs: Best Options
In This Guide
Yes, You Qualify for Business Cards
You don't need an LLC or registered business to get a business credit card. Selling items on eBay, freelancing, driving for Uber, or even having a side project that generates income qualifies you as a sole proprietor.
When applying, use your name as the business name and your Social Security number as the Tax ID. Report your actual or projected revenue honestly.
Top Business Cards for Solo Operators
The Chase Ink Business Cash earns 5% at office supply stores and on internet/cable/phone services, 2% at gas stations and restaurants, with no annual fee. Ideal for anyone with business-related expenses.
The Amex Blue Business Plus earns 2X Membership Rewards points on all purchases up to $50,000 per year with no annual fee - effectively the business version of the Citi Double Cash.
Pro Tips
- Business cards typically don't count toward Chase 5/24
- Keep business and personal expenses separate for tax purposes
- Many business cards have higher credit limits than personal cards
- Business card activity doesn't appear on your personal credit report
Tax Benefits of Business Cards
Using a dedicated business card simplifies bookkeeping and tax filing. Most business cards offer year-end spending summaries categorized by expense type, making it easy to claim deductions.
Note: the rewards you earn on business purchases are not taxable income, even if they're applied as statement credits or cash back.
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