The 5 Best Credit Cards for Coaches

Hey Coach,

You don’t need to be a full-time entrepreneur to get a credit card that works like one.

Whether you run camps, train athletes, or coach on the side—your card should fit the way you coach and earn.

Today we’re sharing the top 5 credit cards for coaches—designed to help you organize your business, earn rewards, and save money.

No fluff. Just the best options for your hustle.

💳 1. Chase Ink Business Unlimited®

Why it works for coaches:
Simple, flat 1.5% cash back on everything you spend—no categories to track. Great for buying gear, paying for gym time, or stocking up on camp supplies.

✅ No annual fee
✅ Big intro bonus
✅ Clean integration with bookkeeping apps

Best for: Coaches who want one card for all coaching expenses without the mental math.

✈️ 2. Capital One Spark Miles for Business

Why it works for coaches:
If you travel often—for tournaments, camps, or clinics—this card turns your coaching costs into airline miles.

✅ 2X miles on all purchases
✅ Flexible travel redemption
✅ Global Entry/TSA PreCheck credit

Best for: Coaches who hit the road (or air) regularly and want travel perks.

💸 3. American Express Blue Business Cash™

Why it works for coaches:
Earn 2% cash back on up to $50K per year, then 1% after. Helps you stretch your budget while keeping expenses organized.

✅ Expense tracking tools built-in
✅ Purchase protection and extended warranties
✅ No annual fee

Best for: Coaches who spend less than $50K/year and want reliable cash back.

🧾 4. Chase Freedom Unlimited® (Personal Use)

Why it works for coaches:
If you’re just getting started and not ready for a business card, this one still helps track coaching expenses separately—and gives you rewards.

✅ 1.5%–5% cash back in categories
✅ No annual fee
✅ Strong fraud protection

Best for: Coaches who aren’t set up as a business yet but want a separate coaching card.

🛍️ 5. Apple Card

Why it works for coaches:
If you’re coaching part-time and live on your iPhone, the Apple Card is simple and visual—with instant tracking and no fees.

✅ 2–3% Daily Cash on Apple Pay purchases
✅ See purchases by category in the app
✅ No late fees or foreign transaction fees

Best for: Tech-savvy coaches who want clean visuals and no surprises.

🧠 This Week’s Game Plan

✅ Decide if you need a business or personal card
✅ Open a card just for coaching (even if it’s a personal card for now)
✅ Use it for only coaching income and expenses
✅ Review your statement monthly
✅ Start earning cash back, travel rewards, or clean records—your choice

Final Whistle:
The best card isn’t the flashiest one—it’s the one that helps you stay organized, stress less, and save more.

This isn’t about debt—it’s about using the tools available to run your coaching like a business.

You’re working hard for your team, make sure your credit card is working hard for you.

See you next week,
Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."