Situational Guide · January 9, 2026

Best Credit Cards for Freelancers and Self-Employed

Best Credit Cards for Freelancers and Self-Employed

Freelancers have unique needs: variable income, mixed expenses, and tax considerations. Here are the best cards for the self-employed.

Why Business Cards Make Sense

Even as a freelancer, you can get business cards:

  • Sole proprietorship counts as a business
  • Use your SSN, your name as business name
  • Higher limits than personal cards
  • Separates business/personal spending
  • Tax-time simplicity

The Bottom Line

Freelancers should get a business card—even with small side income. Chase Ink cards offer the best combination of rewards, bonuses, and flexibility for self-employed workers.

Last updated: January 9, 2026

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