Best Professional Services Provider Credit Cards 2025
Karl says: “For professionals like lawyers, consultants, and accountants, the right credit card can streamline expenses and maximize rewards. The Blue Business® Plus Credit Card from American Express offers 2X points on all purchases up to $50,000 per year and a 0% intro APR for 12 months, making it simple and rewarding. The Capital One Venture X Business Card provides unlimited 2X miles on every purchase, with elevated rewards on travel and access to over 1,300 lounges worldwide. Lastly, the Ink Business Preferred® Credit Card earns 3X points on key business categories, plus valuable protections like primary auto rental insurance and cell phone coverage.”
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Key offer
This card is great for lawyers, consultants, accountants, and other service professionals because it keeps things simple and rewarding. You’ll earn:
• 2X points on all purchases up to $50K per year with no category restrictions
• 0% intro APR on purchases for 12 months — great for managing upfront expenses
Welcome offer
Earn 15,000 Membership Rewards® points after spending $3,000 in the first 3 months.
Annual fee
$0
Card Rewards
• 2X points per dollar on everyday eligible business purchases up to $50k per calendar year.
• 1X per dollar points on all other eligible purchases after the first $50k spent on your Blue Business Plus Card.
Premium Benefits
• 0% intro APR on purchases for 12 months, so you can cover big expenses upfront without interest
• Earn 2X points on all purchases up to $50,000 per year — then 1X after that, with no categories to track
• No annual fee, which makes it a great long-term card to keep in your wallet
• Points can be transferred to airline and hotel partners through Membership Rewards
• Expanded Buying Power lets you spend above your credit limit when needed, based on your account history
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• Automatically syncs with QuickBooks to simplify bookkeeping
• Year-End Summary helps organize expenses for tax season
• Vendor Pay by Bill.com helps manage bills and cash flow
• Helpful tools like account alerts and the option to assign an Account Manager
• Access to Amex Offers for savings on business essentials
Travel and shopping protections:
• Car rental damage coverage (secondary) when you pay with the card
• Purchase Protection covers theft or damage up to $1,000 per item for 90 days
• Extended Warranty adds up to one extra year on eligible warranties
• Global Assist Hotline gives 24/7 emergency help when you’re 100+ miles from home
Minimum Qualifications
• A personal credit score of 700 or higher is generally needed for approval
• You must be a business owner, sole proprietor, or partner; Amex may ask for estimated revenue and business type
• You may be asked to show enough income (personal or business) to cover monthly payments
• Additional documents like bank statements or tax returns may help support your application
• A credit pull is unlikely if you already have an Amex card in good standing
• You cannot open more than 2 American Express cards within a 90-day period
Key offer
The Venture X Business Card is ideal for lawyers, consultants, accountants, and other service professionals, making business travel rewarding and hassle-free. You’ll enjoy:
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• Unlimited 2X miles on every purchase, plus elevated rewards like 10X miles on hotels and rental cars, and 5X on flights booked through Capital One Travel.
• Premium travel perks, including access to over 1,300 lounges worldwide and an annual $300 travel credit for bookings through Capital One Travel.
Welcome offer
Earn 150,000 bonus miles after spending $30,000 within the first 3 months (equal to $1,500 in travel).
Annual fee
$395
The Ink Business Preferred® Credit Card is a top choice for small business owners looking to maximize their travel rewards. With its flexible points system and valuable travel benefits, this card is designed to help businesses save on travel expenses and earn rewards on everyday business purchases. The card offers a generous signup bonus and provides higher points per dollar spent on popular business categories like advertising, shipping, and travel. Additionally, cardholders can transfer their points to a range of airline and hotel loyalty programs, allowing for greater redemption options. For businesses valuing travel rewards and seeking valuable points on their everyday spending, the Chase Ink Business Preferred card is an excellent choice. If you already have other Ink cards, you can transfer the points to this card to increase their value (besides for the premier). Moreover, you can add as many employee cards as you need at no additional cost.
Card Rewards
• 10X miles on hotels and rental cars booked via Capital One Travel
• 5X miles on flights booked via Capital One Travel
• Unlimited 2X miles on all other purchases
Premium Benefits
Annual Credits & Travel Perks
• $300 annual travel credit for bookings made through Capital One Travel
• 10,000 bonus miles awarded every year on your account anniversary
• Up to $120 statement credit for Global Entry or TSA PreCheck every 4 years
• These credits effectively offset the $395 annual fee
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• Complimentary access to 1,300+ airport lounges worldwide through Capital One’s Partner Lounge Network (includes Priority Pass and Plaza Premium lounges; enrollment required)
• No foreign transaction fees on international purchases
• Access to the Premier Collection of luxury hotels with benefits like a $100 experience credit, room upgrades, complimentary breakfast, early check-in, and late checkout (when available)
Additional Card Benefits
• 10X miles on hotels & rental cars, and 5X miles on flights booked through Capital One Travel.
• Flexible spending capacity with no preset limit, adjusting based on spending patterns and payment history.
• Virtual card numbers for secure online purchases.
• Ability to select your own monthly payment due date.
• No interest charges, since the card must be paid in full each month (pay-in-full card).
• Dedicated Capital One business support, including Relationship Managers for eligible businesses
• The Venture X Business and Spark Cash Plus are the only Capital One business cards that do not regularly report to personal credit bureaus — helping protect your personal credit score during high-spending months.
Travel and Shopping Protections
• Primary auto rental collision damage waiver when renting for business purposes
• Extended warranty protection on eligible purchases
• Trip cancellation and interruption coverage
• Travel accident insurance
• Lost luggage reimbursement
• Purchase security and fraud alerts
• Cell phone protection not listed or confirmed — not currently offered under this card
Minimum Qualifications
• A personal credit score of approximately 740 or higher is typically required for approval
• You must be a business owner, sole proprietor, or partner; Capital One may request estimated business revenue and details about your business type
• You may need to verify sufficient income (personal or business) to cover monthly balances
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• Additional supporting documentation such as bank statements or tax returns may be requested during the application process
• You cannot simultaneously hold both the Spark Cash Plus and Venture X Business cards, as both are Capital One charge cards. You can close the Spark Cash Plus, wait two days, then apply for the Venture X Business card
Key offer
This card is ideal for lawyers, consultants, accountants, and other service professionals, offering standout value with generous rewards on common business expenses and valuable built-in protections:
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• Earn 3X points per dollar on key business categories—online advertising, travel, shipping, internet, cable, and phone services—on the first $150,000 spent each year.
• Valuable business protections, including primary auto rental collision insurance for business rentals and cell phone protection for theft or damage when monthly phone bills are paid with the card.
Welcome offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual fee
$95
Disclosure: The Cards Guy partners with credit card issuers to provide information on their products. We may earn commissions from these issuers. The content on this page is independent and has not been provided, reviewed, approved, or endorsed by the companies mentioned. The opinions expressed are solely those of the author. American Express is a The Cards Guy advertiser.
Card Rewards
• Earn 3X Ultimate Rewards points per $1 on up to $150,000 in combined purchases.
• Eligible categories: internet, cable, and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites.
• Earn 1X point per $1 on all other purchases.
Premium Benefits
Card Benefits:
• Integration options available with bookkeeping software.
• Helps build a separate business credit history.
• Separates business expenses from personal spending, simplifying accounting and tax preparation.
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Travel and Shopping Protections:
• Primary auto rental collision damage waiver for business rentals, covering up to the cash value of most rental cars.
• Cell phone protection covering theft or damage (up to $1,000 per claim, up to 3 claims per 12 months, with a $100 deductible per claim).
• Trip cancellation/interruption insurance covering up to $5,000 per person and $10,000 per trip.
• Purchase protection covering new purchases against damage or theft up to $10,000 per claim for up to 120 days after purchase.
• Extended warranty protection extends eligible U.S. manufacturer’s warranties by an additional year.
• Roadside dispatch available (fees apply per service call).
• Travel and emergency assistance services available (fees apply per service provided).
Minimum Qualifications
• Generally requires a personal credit score of approximately 720 or higher.
• You must be a business owner, sole proprietor, or partner; Chase may ask for business type and estimated annual revenue.
• Additional supporting documents such as bank statements or tax returns may be required.
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• Chase’s “5/24 rule” typically limits approvals if you’ve opened 5 or more personal credit cards across all issuers in the past 24 months.
• You can apply again for this card under a different business, even though you have it already.
• You can get the card again under the same business if enough time has passed, usually 24 months, but statistics show that 12 months is also enough.
Pro Tips
Reward Structure
- Category alignment
- Point values
- Transfer options
- Redemption flexibility
Travel Benefits
- Flight rewards
- Hotel programs
- Ground transportation
- Travel insurance
Business Tools
- Expense tracking
- Receipt management
- Client billing
- Year-end summaries