As an entrepreneur, credit cards are one of the best tools I've found to get more value and rewards for my company - and my life

• As a freelance writer and blogger, I use credit cards not only to focus on earning rewards, but to keep my personal and business expenses separate.
• The Chase Sapphire Reserve is one of my favorite cards thanks to the fact you earn 3x points on travel and dining and get access to benefits like a $300 annual travel credit, airport lounge membership, and a credit for Global Entry or TSA Precheck.
• We put most of our business expenses on the Ink Business Preferred Credit Card, which gives us 3X points per dollar on the online advertising and travel we do for our business (on the first $150,000 in combined purchases each account anniversary year).
• See Business Insider's picks for the best rewards credit cards »

I've been a professional freelance writer for most of my adult working career, but that's not all I do. My husband and I also have our own website, which he runs full-time as his job. I also work with him on our website throughout the year, helping him write content and run our social media from home.

One of my favorite "tools" for our business and our lives is the credit cards we carry for ourselves and for business-related purchases. That's part of the reason my husband and I frequently have more than 20 credit cards spread across our personal and business profiles. Different cards come with different perks and rewards schemes, so it makes sense for us to have more than one.

Here are all of the most important reasons we use credit cards for our personal and business expenses, as well as how we make the most of them:

I keep my personal and business spending separate

For starters, credit cards make it exceptionally easy to keep all our personal and business spending separate. We have business credit cards we use to pay for the various expenses required to run our website as well as purchases made for my freelance business (like a new computer every few years), but we also have rewards credit cards we use for groceries, bills, and regular ongoing expenses.

It's nice to be able to keep our personal and business spending separate, not only for organizational purposes for also for tax purposes. We always use our business credit card for business expenses, which helps us keep track of which purchases are business-related to begin with. Having a dedicated business credit card also means we can log into our account and see all of our business purchases and expenses in one place.

I rack up a ton of rewards on business purchases

Now, for the good stuff. We have a few different business credit cards, but we put the bulk of our business-related purchases on our Ink Business Preferred card. This card gives you 3x points on up to $150,000 spent in categories that include travel, shipping, cable, internet, and phone purchases, and online advertising each year (then 1 point per $1). We also earn 1x points on all other purchases. You can earn 80,000 points when you spend $5,000 on your card within three months as a new customer with this card, and the annual fee is just $95.

My husband and I do some online advertising and travel for our business, and we love earning 3x points per $1 in those categories. We always pay our business credit card bill in full as well, so we never, ever pay a dime in interest payments.

I earn rewards on regular spending and bills

We also earn rewards on our regular spending, and we have a ton of different personal credit cards we use in this effort. Some of my favorite credit cards include the Chase Sapphire Reserve for travel and dining, the Chase Freedom for its quarterly 5% back categories (5% cash back on the first $1,500 in purchases each quarter you activate), and my Barclaycard Arrival Plus World Elite Mastercard.

I use different cards for different types of purchases in order to earn more rewards over time, but I typically put all travel and dining and regular purchases on my Chase Sapphire Reserve card since I value Chase Ultimate Rewards points more than rewards in other programs.

I also like the fact that Chase lets me combine all the points from my Chase cards into my Chase Sapphire Reserve account for superior travel redemptions. Unlike the Ink Business Preferred ,which gives you 25% more travel when you use points to book in the Chase portal, the Chase Sapphire Reserve card gives you 50% more travel for free.

I take advantage of important travel perks and benefits

Having the right combination of credit cards can also help you make the most of your travel experience. For example, I get complimentary primary auto rental coverage when I pay for rental cars with my Chase Sapphire Reserve card. I also use my Chase Sapphire Reserve for all our travel purchases since I get trip cancellation/interruption insurance, baggage delay coverage, lost luggage insurance, and other important benefits.

I also love having Priority Pass Select airport lounge membership, which I actually have as a cardholder benefit through two credit cards right now - my Chase Sapphire Reserve and the Hilton Honors Aspire Card from American Express.

Finally, I have Global Entry, which also includes TSA Precheck. Both save me time and stress at the airport, which makes the travel experience a whole lot better.

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