The Best Credit Cards for Digital Nomads & Entrepreneurs: Chase & American Express
In today’s digital age, the rise of remote work and location-independent entrepreneurship has redefined how business owners and freelancers operate. More professionals are embracing the digital nomad lifestyle, running successful businesses while traveling the world. However, managing finances effectively across different countries and currencies is crucial to maintaining financial stability and maximizing benefits.
This is where business credit cards from Chase and American Express (Amex) become invaluable. These cards provide exclusive perks, high rewards, and financial flexibility that cater to digital entrepreneurs and self-employed professionals.
Whether you’re a startup founder, an e-commerce business owner, or a freelancer navigating international transactions, having the right business credit card can save you money, provide travel rewards, and simplify business expenses.
Why Digital Nomads & Entrepreneurs Need a Business Credit Card
As a business owner or freelancer working remotely, having a dedicated business credit card is essential. Here’s why:
✅ Separation of Personal & Business Expenses – Keeping personal and business finances separate helps with tax deductions and financial organization.
✅ Maximizing Travel & Business Rewards – Earn cashback, points, and miles on business-related purchases such as flights, hotels, coworking spaces, and online subscriptions.
✅ Building Business Credit – Establish a strong business credit profile, which can help secure loans, better financing options, and business growth opportunities.
✅ Access to Higher Credit Limits – Business credit cards typically offer higher spending limits compared to personal credit cards.
✅ No Foreign Transaction Fees – Ideal for global entrepreneurs who need to make purchases in different currencies without extra fees.
Now, let’s explore the best Chase and American Express business credit cards for digital nomads and entrepreneurs, along with a top personal credit card for self-employed individuals.
Best Chase Business Credit Cards for Entrepreneurs
1. Chase Ink Business Preferred® Credit Card
💳 Key Benefits:
Earn 100,000 bonus points after spending $8,000 in the first 3 months.
3X points on travel, shipping purchases, internet, cable & phone services, and advertising on social media/search engines.
Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards.
No foreign transaction fees—perfect for international digital nomads.
🔗 Apply now for the Chase Ink Business Preferred® Credit Card: HERE
2. Chase Ink Business Unlimited® Credit Card
💳 Key Benefits:
Unlimited 1.5% cashback on every business purchase with no category restrictions.
No annual fee, making it a great option for startups and freelancers.
0% intro APR for the first 12 months on purchases—helpful for managing cash flow.
🔗 Apply now for the Chase Ink Business Unlimited® Credit Card: HERE
Best American Express Business Credit Cards for Entrepreneurs
3. The Business Platinum Card® from American Express
💳 Key Benefits:
Earn 120,000 Membership Rewards® points after spending $15,000 in the first 3 months.
5X points on flights and prepaid hotels booked through Amex Travel.
$200 airline fee credit per calendar year for baggage fees and more.
Airport lounge access to 1,400+ lounges worldwide (Priority Pass, Centurion Lounges, and more).
🔗 Apply now for The Business Platinum Card® from American Express: HERE
4. American Express Blue Business® Plus Credit Card
💳 Key Benefits:
Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 per year.
0% intro APR on purchases for 12 months.
No annual fee, making it a cost-effective option for small business owners.
🔗 Apply now for the American Express Blue Business® Plus Credit Card: HERE
Best Personal Amex Credit Card for Self-Employed Entrepreneurs
If you’re a self-employed freelancer or entrepreneur, you may not yet have a registered business but still need access to financial perks. A personal American Express card can be a great alternative.
5. The American Express® Gold Card (For Self-Employed Entrepreneurs)
💳 Key Benefits:
Earn 60,000 Membership Rewards® points after spending $4,000 in the first 6 months.
4X points on restaurants, takeout, and delivery—ideal for frequent travelers.
3X points on flights booked directly with airlines or Amex Travel.
No foreign transaction fees—great for global business professionals.
🔗 Apply now for The American Express® Gold Card: HERE
How to Choose the Right Business Credit Card
Choosing the best business credit card depends on your spending habits, travel needs, and business structure. Here’s how to decide:
Frequent Travelers: If you fly often and need lounge access, the Amex Business Platinum is your best choice.
Everyday Business Spending: If you need an all-around business card with cashback, consider the Chase Ink Business Unlimited or Amex Blue Business Plus.
Big Advertising & Marketing Spenders: If your business spends a lot on advertising and travel, the Chase Ink Business Preferred offers high-value rewards.
Self-Employed Entrepreneurs: If you don’t have a business yet but want travel rewards, the Amex Gold Cardis an excellent personal credit card.
Final Thoughts: A Smart Financial Move for Digital Nomads & Entrepreneurs
Adopting a digital nomad lifestyle or running an online business requires financial flexibility. Using the right business credit card can significantly impact your ability to manage expenses, earn rewards, and travel smarter.
Both Chase and American Express offer top-tier business credit cards that cater to digital entrepreneurs, helping you maximize benefits while keeping costs low.
Ready to apply? Get your business credit card today:
✅ Apply for a Chase Business Credit Card Now: HERE
✅ Apply for an American Express Business Credit Card Now: HERE
Have questions about managing your finances as an entrepreneur abroad? We’re here to help!
📅 Book a consultation today: www.expatslivingabroad.com/contact
Stay financially savvy and travel the world while running your business!