Business Credit Card Optimizer

Input your monthly freelance expenses below to instantly simulate which elite credit card structure rewards you with the most net cash back.

Average Monthly Spend

Travel (Flights, Hotels, Transit)

Dining & Restaurants

Digital Advertising (Google, Facebook Ads)

Shipping Services

Everything Else (Software, Office, Utilities)

Enter your spending habits to see which card strategy maximizes your cash back.

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Optimizing Business Credit Card Rewards

The Freelance Points Strategy

As a freelancer, you run massive amounts of expenses through your business: servers, ads, flights, and software. If you are using a debit card, you are leaving thousands of dollars on the table every year. A premium business credit card converts those mundane expenses into Cash Back or Travel Rewards.

Frequently Asked Questions

Are business credit card fees tax deductible?

Yes! Unlike personal credit cards, the annual fee on a business credit card is considered a legitimate, 100% tax-deductible business expense.

Can I get a business card without an LLC?

Yes. You can apply for a business credit card as a 'Sole Proprietor' using your Social Security Number (SSN) instead of an EIN. You do not need to be an LLC or an S-Corp.

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