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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