{"question": "best corporate card programs for freelancers", "category": "corporate-card-programs", "category_name": "corporate card programs", "audience": "freelancers", "audience_name": "freelancers", "engine": "Claude (Anthropic) with web search", "model": "claude-opus-5", "asked_at": "2026-10-07T21:40:46Z", "permalink": "https://bikoosh.com/answers/s/corporate-card-programs-freelancers-2026-10-07", "question_page": "https://bikoosh.com/answers/q/corporate-card-programs/freelancers", "brands_named": [{"position": 1, "brand": "Ramp", "label": "mentioned"}, {"position": 2, "brand": "EIN", "label": "mentioned"}, {"position": 3, "brand": "Brex", "label": "mentioned"}, {"position": 4, "brand": "Chase", "label": "mentioned"}, {"position": 5, "brand": "Chase Ink Business Unlimited", "label": "mentioned"}, {"position": 6, "brand": "Amex", "label": "mentioned"}, {"position": 7, "brand": "Amex Blue Business Plus", "label": "mentioned"}, {"position": 8, "brand": "Blue Business Plus", "label": "mentioned"}, {"position": 9, "brand": "Blue Business Cash", "label": "mentioned"}, {"position": 10, "brand": "BILL Divvy", "label": "mentioned"}, {"position": 11, "brand": "Mercury", "label": "mentioned"}, {"position": 12, "brand": "Mercury IO", "label": "mentioned"}, {"position": 13, "brand": "Mercury IO Mastercard", "label": "mentioned"}], "sources_cited": [{"url": "https://www.ramp.com/blog/choosing-a-business-credit-card-as-a-sole-proprietorship", "domain": "ramp.com", "source_type": "vendor"}, {"url": "https://www.nerdwallet.com/business/credit-cards/learn/ramp-vs-brex", "domain": "nerdwallet.com", "source_type": "review"}, {"url": "https://www.nerdwallet.com/business/credit-cards/best/no-personal-guarantee", "domain": "nerdwallet.com", "source_type": "review"}, {"url": "https://www.brex.com/spend-trends/corporate-credit-cards/business-credit-cards-for-sole-proprietors", "domain": "brex.com", "source_type": "vendor"}, {"url": "https://www.techrepublic.com/article/best-business-credit-cards/", "domain": "techrepublic.com", "source_type": "other"}, {"url": "https://startupsavant.com/service-reviews/mercury-io-mastercard", "domain": "startupsavant.com", "source_type": "other"}, {"url": "https://startupsavant.com/service-reviews/rho", "domain": "startupsavant.com", "source_type": "other"}], "answer_text": "## The short version first\n\n\"Corporate card\" in the strict sense - charge card underwritten against your business's cash, no personal guarantee - mostly isn't available to freelancers. Ramp explicitly excludes individuals, sole proprietorships and unregistered businesses (it wants an EIN plus ~$25k in a business bank account), and Brex targets venture-backed startups or companies with revenue in the millions. So unless you've incorporated an LLC and hold real cash, what you actually want is a **business credit card**, which you can get as a freelancer with just your SSN - no LLC, EIN or registered business name required.\n\nHere's what I'd actually apply for, in order:\n\n**1. Chase Ink Business Unlimited** - my default pick for most freelancers. $0 annual fee, flat 1.5% cash back on everything, and currently a $750 bonus after $6,000 in 3 months. Flat-rate is the right structure when your spend is lumpy and uncategorizable (software, contractors, travel, ads). The points also move into Chase's travel ecosystem if you hold a personal Sapphire card.\n\n**2. Amex Blue Business Plus** - best if you'd rather earn transferable points than cash. 2x Membership Rewards points on the first $50k/y", "answer_truncated": true, "measurement": "One answer from one engine on one date. Not a ranking and not a claim about the world; brands the engine did not name are not recorded.", "limitation": "Coverage: Claude (Anthropic) with web search. Other engines not included.", "alerts": {"name": "Answer Watch Pro", "price_usd": 79, "period": "month", "gets": "daily change alerts for up to 5 brands in what one AI answer engine says, history, CSV export. Coverage: Claude (Anthropic) with web search. Other engines not included", "url": "https://bikoosh.com/answers"}}