Business & freelance cards · Prototype hub
Business & freelance cards
built around how you actually work.
This sub-hub on Choose.Creditcard looks at cards aimed at companies, freelancers and side hustles. The focus is on expense controls, accounting tools and real costs – not just sign-up bonuses. Everything here is a prototype and educational only.
When this type of card makes sense
- You run a company, freelance business or side project with recurring expenses.
- You want to separate business and personal spending for accounting and tax.
- You need employee cards, virtual cards or spend limits to control costs.
- You care more about clean bookkeeping and tools than flashy consumer perks.
This page does not recommend any real products yet. Card names, limits and tools below are placeholders. Always check the issuer’s own documentation and local regulations before applying or relying on features.
Business profiles (prototype)
Later, these profiles can link to country-specific business card options. For now they just show how the business hub might be structured around real operating patterns.
Business resources in The CreditCard Collection
These links go to other microsites in The CreditCard Collection. They cover payments, FX, card tech and policies that matter for business use. All are independent, prototype educational pages – not issuer marketing.
Fin.Creditcard
Broader context on card payments, virtual cards, tap-to-pay and how modern business cards are structured.
External microsite · payments & tech
Travels.Creditcard
Business travel use-cases: FX fees, airport lounges and insurance for trips paid with company cards.
External microsite · travel context
Policies.Creditcard
Network-wide policies on how business use, risk and compliance are described across The CreditCard Collection.
External microsite · editorial standards
CompareCC.Creditcard
Comparison layouts used as a reference when building business card tables later on.
Structural reference · not a recommendation.
Example: “Company vs. personal card for business”
Placeholder for a guide about separating business and personal expenses, and documentation to keep.
To be replaced with a documented article.
Example: “Expense policies & virtual cards”
Placeholder for a future explainer on using virtual cards, per-card limits and spend rules for teams.
Future article under Choose.Creditcard.
Business & freelance card comparison (prototype)
This table only illustrates how business-focused cards could be compared on Choose.Creditcard. The products, tools and limits are not real offers. Replace everything below with country-specific, documented issuer data later.
| Card | Ideal use-case | Employee / virtual cards | Accounting & exports | Limits & controls | Annual fee | Status |
|---|---|---|---|---|---|---|
|
Example Freelance Business Card A
Solo operator / micro business
|
Consolidate software, advertising and travel expenses for one-person businesses. | 1 physical + a few virtual cards for subscriptions. | Basic CSV exports, simple integration with popular accounting tools. | Single main limit, basic category tracking in app. | €60 / year | Prototype only |
|
Example Team Card B
Small agency / 5–20 employees
|
Multiple employees with individual cards, centralised billing and expense approvals. | Up to 20 physical cards + virtual cards for projects; per-card rules. | Direct integration to accounting systems, receipt capture and category mapping. | Team budgets, merchant category blocks, per-transaction limits. | €240 / year (example bundle) | Prototype only |
|
Example No-Fee Business Card C
Side hustles / low spend
|
Occasional business purchases with low fixed costs and basic tools. | 1–2 physical cards, no advanced virtual card features. | Simple monthly PDF statements and CSV downloads. | One shared limit; fewer granular controls. | €0 / year | Prototype only |
|
Example Scaled Business Card D
High-growth startup / scale-up
|
High monthly spend, investor reporting, and complex approval chains. | Many employee cards and virtual cards, with role-based permissions. | Rich APIs, real-time feeds to accounting and FP&A tools. | Dynamic limits based on revenue, custom approval workflows. | €400+ / year (example package) | Prototype only |
How this business hub fits into Choose.Creditcard
1. Themed sub-hub
This page is a Business & Freelance sub-hub under Choose.Creditcard. It narrows the lens to company use, tools and controls, while the main /index keeps a broader overview including consumer cards.
2. Operations-focused view
When real cards are added, the scoring will emphasise operational fit: expense management, export quality, controls and total cost – not just rewards or sign-up bonuses.
3. Clear separation from issuers
No bank or issuer has paid to appear here. Future affiliate links, if any, will be clearly labeled and will not change how cards are described or ordered in comparisons.