How to Get a Credit Card if You're Self-Employed

Written by emma watkins
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How to Get a Credit Card if You're Self-Employed
If you're self-employed, you can still shop with a credit card. (Hemera Technologies/ Images)

There's a misconception that if you work for yourself, credit card companies will shun you. While it's true that self-employment may make it harder for you to get a conventional loan, such as a mortgage or a car loan, it doesn't negatively affect your ability to get a credit card.

Skill level:


  1. 1

    Shop for the best and compare card offers. If you belong to a credit union, see if it offers a credit card. If your bank offers a card, find out about the terms and conditions. Do an internet search for credit card reviews (see Resource). Take repeated complaints as red alerts and steer away.

  2. 2

    Find a company that offers a credit card with a reasonable interest rate and either no annual fee or a low one. To be on the safe side, call the company's toll-free number to confirm that all the information you obtained is accurate. Credit card policies change from time to time, and the information you got may be outdated.

  3. 3

    Apply for your credit card online. You don't need any special software. Electronic signatures only require your typed name, sometimes accompanied by a code the website provides.

  4. 4

    Qualify for a small-business credit card. These cards often offer perks, such as rewards for purchases, low interest rates and reward points that never expire. Many small-business owners use these cards as a financing option to grow their businesses. If you choose that route, keep a close eye on your spending, and pay the credit card before you pay yourself to avoid carrying a high balance.

Tips and warnings

  • Keep in mind that by applying for a credit card, you're giving the company permission to review your credit history and credit score.

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