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The Five Best Credit Cards For Freelancers

  • By Jodi Price
  • November 25, 2020

Since freelancing is often a solo endeavor, credit cards emerge as the best option to help with the spending when funds are in limbo. 

And not only do credit cards give you lots of purchasing power, but they also offer rewards programs that result in points, discounts, or even frequent flyer miles!

That said, freelancers need all the help they can get. 

Here are the 5 best credit cards that freelancers can use today while waiting for invoices to come in: 

1. Chase Freedom


To start, the chase freedom card’s main selling point is that you earn 5% cashback in all purchases from the bonus categories each quarter of the year your card is active (up to $1,500). 

This means that in each quarter throughout the year, you’ll receive 5% of you’re money spent on the quarter’s bonus categories (up to $1,500) once it ends. For example, one of these current quarter’s bonuses is gas stations, and you’ll make your 5% cashback after March 14th, 2020. There is a 5% cashback calendar you can view as well to help you plan out your earnings

Other Benefits

  • Receive $150 after $500 of purchases in the first 3 months of account opening
  • Automatic unlimited 1% cashback on all other purchases
  • No annual fee and free credit score
  • cashback rewards don’t expire as long as your account is open and there isn’t a minimum redeem

2. Capital One Quicksilver

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Capital One’s Quicksilver card has many appealing attributes. Just to name a few off the bat, your cashback will never expire during the accounts lifetime, there isn’t a limit to what you can earn, and you don’t need to do any extra sign-ups to earn rewards. This is a great long term credit card option as you will earn money back for life in an unlimited quantity. Also, after applying, there isn’t any excess work you have to do to start earning your desired rewards. 

Other Benefits

  • Unlimited 1.5% cashback for every purchase no matter what
  • $150 cash reward for spending $500 in first 3 months of account opening\
  • No annual fee or foreign fee
  • 0% intro APR on purchases for 15 months

3. Discover It Cash Back

Sourced from mybanktracker

Discover It Cash Back’s credit card has an intro offer that is far too good to pass up: Discover will match all the cashback you’ve earned at the end of your first year, regardless of how much was earned. 

If you’re spending habits are planned outright, expect a lot of cash coming back your way at the end of the first year. According to John Kiernan, the average person earns $525 back after the first year with Discover it Cash Back.

Other Benefits 

  • Earn 5% cashback on quarterly bonus categories (there is a maximum)
  • Unlimited 1% cashback on all other purchases
  • Use rewards on
  • No annual fee

4. Discover It Student Chrome

Sourced from mybanktracker

Maybe you’re still in school while freelancing and perhaps you drive quite a bit? 

With Discover it Student Chrome you can get 2% cashback from purchases at gas stations and restaurants combined up to $1000 for each quarter. The average college student drives the second most out of any other age group so this credit card would be a great option to go along with you’re freelancing duties. 

Other Benefits

  • All cashback is matched by Discover It at the end of your first year
  • Good grades reward that gives you an extra $20 every year your GPA is 3.0 or higher (for five years)
  • No annual fee or late fee
  • 0% intro APR for purchases in the first 6 months and after that, APR is 19.49% 

5. Capital One SavorOne Cash Rewards

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The Capital One SavorOne Cash Rewards card is filled with cashback opportunities. In fact, you can receive cashback from many different categories: you earn 3% on dining and entertainment purchases, 2% at grocery stores, and finally 1% on all other products. And to top it off, this lasts for life and there is no limit to how much you can earn. 

Other Benefits

  • Receive $150 after $500 is spent on products during the first three months (one-time deal)
  • No sign-ups needed to earn rewards
  • No annual fee or foreign transaction fee
  • 0% interest on APR in the first 15 months and after APR can be 15.49% – 25.49% 

Get Financial Help with And.Co

Whether you have bad credit or excellent credit, there are plenty of credit card options that can take the load of many of your purchases and give back to you at the same time with their unique rewards. However, credit cards are only one avenue of financial assistance. 

With And.Co, you get a robust invoicing platform that keeps track of your funds, while giving you complete control to map out your future finances with ease. To learn more about And.Co and start earning money on your own terms, click here to sign up! 

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