Best Self Employed Credit Card

Platinum Delta SkyMiles Business Credit Card from American Express Review

Platinum Delta SkyMiles? Business from American Express

Rating: 4 Stars

Bottom Line:
Upgraded Delta Perks for Business

Card Details

Regular APR:	17.74% – 26.74% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 miles per dollar spent on purchases made directly with Delta 1 mile on every eligible dollar spent on purchases Miles don?t expire
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$195
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 5,000 Medallion Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Check your first bag for free and save up to $60 on a round trip Delta flight.
Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
Terms and limitations apply

Is Platinum Delta SkyMiles Business Credit Card from American Express worth it?

Platinum Delta SkyMiles Credit Card from American Express is a great travel card for people who fly Delta often. Perks include priority boarding, a free checked bag, and no foreign transaction fee.

Pros

30,000 bonus miles after spending $1,000 in purchases in first 90 days of account opening
Two miles on every dollar spent on Delta purchases (this means Delta.com purchases and in-flight purchases on top of Delta flights)
Check your first bag free on Delta flights
Miles contribute towards Delta’s Medallion Qualification Miles (MQMs) which can get you seat upgrades and mileage bonuses
No foreign transaction fee

Cons

Other points programs – Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Rewards, and Marriott Bonvoy – have simpler rewards programs
$195 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% on transaction amount or $5, whichever is greater
Cash Advance Fee	3% on transaction amount or $5, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Roadside Assistance

Purchase Protection

Travel Assistance

Get Started with Platinum Delta SkyMiles Business Credit Card from American Express

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Bank of America Cash Rewards Review

Bank of America? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% – 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Bank of America Cash Rewards worth it?

Bank of America Cash Rewards is a strong card for cardholders who spend a lot on gas, online shopping, dining, travel, drug stores or home improvements and furnishings, which earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Cash Rewards

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Bank of America Business Advantage Cash Rewards Mastercard Review

Rating: 5 Stars

Bottom Line:
High Cash Back on First $50k Spent

Apply Now

Card Details

Regular APR:	14.49% – 24.49% (Variable)
Intro APR (Purchases):	0% for 9 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	3% cash back on the category of your choice (for the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter) 2% cash back on dining 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening – with no annual fee and cash rewards don?t expire.
Earn 3% cash back in the category of your choice, 2% cash back on dining and unlimited 1% cash back on all other purchases.
You?ll get 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
0% Introductory APR on purchases for your first 9 billing cycles.
Redeem your cash rewards as a statement credit, check, or have cash deposited into a Bank of America checking or savings account.
Get 75% more cash back on every purchase when you’re a Preferred Rewards for Business Platinum Honors tier member. That means you will earn 5.25% on your selected choice category, 3.5% on dining and unlimited 1.75% cash back on all other purchases.

Is Bank of America Business Advantage Cash Rewards Mastercard worth it?

Business Advantage from Bank of America is a great card for small business owners who use the 3% cash back rewards category on the first $50,000 in purchases. With a foreign transaction fee, the Business Advantage card makes traveling internationally slightly more expensive.

Pros

$300 statement credit bonus if you spend $3,000 within the first three months
3% cash back in your choice of one of six spending categories and 2% cash back on dining purchases, up to $50,000 in combined category purchases per year
0% Intro APR for 9 billing cycles on purchases
No annual fee

Cons

3% foreign transaction fee
3% Cash back is capped at $50,000 spend
Below average 1% ongoing cash back rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	4% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee	4% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Luggage Reimbursement

Price Protection

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Business Advantage Cash Rewards Mastercard

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Chase Ink Business Cash Credit Card Review

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year 1% unlimited cash back on all other card purchases.
Credit Needed:	(740-850) Excellent
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Cash Credit Card worth it?

Ink Business Cash from Chase is a great card for small business owners whose expenses are at least $25,000 and who spend a lot on office supplies and phone, internet, or cable TV service. These categories receive 5% cash back on the first $25,000 spent.

Pros

Intro bonus of $500 after you spend $3,000 on purchases in first 90 days from account opening
Free employee cards
No foreign transaction fees
No annual fee
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

5% and 2% cash back rates are capped at $25,000 in combined purchases
Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $5, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Cash Credit Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Spark Cash for Business Review

Capital One? Spark? Cash for Business Credit Card

Rating: 5 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Apply Now

Card Details

Regular APR:	18.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2% Cash Back for your business on every purchase, everywhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 intro for the first year, $95 after that
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Redeem at any time with no minimums.
Plus, a one-time $500 cash bonus once you spend $5,000 on purchases within 3 months from account opening and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash for Business Credit Card worth it?

Capital One Spark Cash for Business is a great cash back card for businesses looking to earn 2% cash back on every purchase.

Pros

$500 cash bonus after spending $5,000 in first 90 days of account opening
Free employee cards
No foreign transaction fee
$0 annual fee to start and reasonable $95 annual fee after first year
Visa Signature Cards

Cons

No Intro purchase APR for business expenses

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.15%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Spark Cash for Business

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Spark Cash Select for Business Review

Rating: 4 Stars

Bottom Line:
Cash Back For Business Owners With 0% Intro APR And No Annual Fee

Apply Now

Card Details

Regular APR:	14.74%, 18.74% or 22.74% (Variable)
Intro APR (Purchases):	0% for 9 months
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% Cash Back for your business on every purchase, everywhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Save on interest with 0% intro APR on purchases for 9 months; 15.24% – 23.24% variable APR after that
No annual fee
Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

Is Capital One Spark Cash Select for Business Credit Card worth it?

Capital One Spark Cash Select for Business is a great cash back card for businesses looking to earn 1.5% cash back on every purchase with no annual fee. Additionally, Spark Cash Select offers 0% Intro APR for 9 months for business purchases.

Pros

$200 cash bonus after spending $4,500 in first 90 days of account opening
Free employee cards
No foreign transaction fee
No annual fee

Cons

Not the highest flat-rate cash back rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.65%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Spark Cash Select for Business

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Spark Miles Select for Business Review

Capital One? Spark? Miles for Business Credit Card

Rating: 5 Stars

Bottom Line:
Business Owners Earn Miles On All Purchases Without An Annual Fee

Apply Now

Card Details

Regular APR:	15.24% – 23.24% (Variable)
Intro APR (Purchases):	0% intro APR for 9 months
Intro APR (Balance transfers):	None
Rewards Rate:	1.5 Miles per $1 on every purchase
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn unlimited 1.5 miles per $1 on every purchase, everywhere
Earn a one-time bonus of 20,000 miles – equal to $200 in travel – once you spend $3,000 on purchases within the first 3 months from account opening
Fly on any airline, anytime, with no blackout dates or seat restrictions
Earn 5X miles on hotel and rental car bookings through Capital One Travel
$0 annual fee
$0 fraud liability if your card is lost or stolen
Free employee cards which also earn unlimited 2x miles from their purchases
No foreign transaction fees

Is Capital One Spark Miles Select for Business Credit Card worth it?

Capital One Spark Miles Select for Business is a great travel card for businesses looking to earn 1.5 miles back on every purchase with no annual fee.

Pros

Intro bonus of 20,000 miles after spending $3,000 in first 90 days of account opening
Free employee cards
No foreign transaction fee
No annual fee

Cons

Lower than average travel rewards rate

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.65%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Travel Assistance

Get Started with Capital One Spark Miles Select for Business

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

U.S. Bank Business Leverage Visa Signature Review

Rating: 5 Stars

Bottom Line:
Rewards That Fit Your Business Spending

Apply Now

Card Details

Regular APR:	18.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month ? automatically Earn 1X point per dollar spent on all other eligible net purchases Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
Credit Needed:	(740 – 850) Excellent
Annual Fee:	None for first 12 months, then $95
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
Earn 1X point per dollar spent on all other eligible net purchases
Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
Two ways to earn points – with Encore Relationship Rewards, you earn points for taking credit card payments as well as making purchases

Is U.S. Bank Business Leverage Visa Signature worth it?

U.S. Bank Business Leverage Visa Signature is a great card for business owners who want simple rewards that fit their spending. Cardholders earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically. The categories can change month-to-month.

During the first year, you earn an extra point per $1, up to 100,000, giving you 3% rewards in your two most valuable categories. You can even get cash back on receiving payments for your business using Encore Relationship Rewards, up to a monthly cap of $240. You will need to apply for a U.S. Bank payment solutions account and register for Encore Relationship Rewards.

If you?re looking for a rewards card that won’t make you change your spending habits to get value out of it, U.S. Bank Business Leverage Visa Signature is a great card for you.

Pros

Earn 2X points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month – automatically
Earn an extra bonus point for every dollar spent on eligible net purchases in the first 365 days, up to 100,000
Free employee cards
Visa Signature Benefits

Cons

$95 annual fee at start of second year

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2%
Balance Transfer Fee	An introductory fee of either 5% of the amount of each transfer or $5 minimum, whichever is greater for balances transferred with this application. After that, either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 5% of the amount of each advance or $15 minimum, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with U.S. Bank Business Leverage Visa Signature

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.