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Best Credit Cards for Self-Employed of December 2022

Compare 101 credit cards for self-employed on Myfin.us.

Best Credit Cards for Self employed in December 2022

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Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Cash Rewards Visa® details
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On Upgrade‘s website
Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

View all Upgrade Triple Cash Rewards Visa® details
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Card detail
Double Your Line® Mastercard® Merrick Bank
Annual fee:
$0 - $72 annually
Regular APR:
23.20% - 30.20% *Variable
Our Rating:
4.1
scorer
Credit score
No Credit History to Excellent (0-799)
    • Issuer name:
      Merrick Bank
    • Details:

      The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

      Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

      The APR for purchases is 23.20% - 30.20% (Variable). The card's annual fee: $0 - $72 annually.

      Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

      Read full review

    • Pros:
      • Double your credit line
      • $0 fraud liability
      • No security deposit is required
      • A free FICO score each month
      • A poor credit score is enough to apply
    • Cons:
      • High variable APR
      • No rewards
      • No balance transfer option
      • Cash advance fee
    • Benefits:
      • $0 Fraud Liability;
      • Double Your Line®;
      • Exclusive Platinum Mastercard® Benefits.
    View all Double Your Line® Mastercard® details
    Apply now
    On Merrick Bank‘s site
    Card detail

    Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

    Reflex® Platinum Mastercard®​ Celtic Bank
    Annual fee:
    $75 - $99 for the first year
    $99 after the first year
    Regular APR:
    24.99% - 29.99% Variable
    Our Rating:
    3.8
    scorer
    Credit score
    No Credit History to Good (0-739)
      • Issuer name:
        Celtic Bank
      • Details:

        The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

        With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

        Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

        Read full review

      • Pros:
        • Chance to get a higher credit limit
        • All credit scores are welcome to apply
        • Reports to three bureaus
        • Check if you prequalify without affecting your credit score
        • No deposit required
      • Cons:
        • No rewards
        • High Regular APR
        • High annual fee
        • Monthly maintenance fee
        • Additional card fee
        • Foreign transaction fee
      • Benefits:
        • $0 Fraud Liability;
        • Potential Credit Limit Increase After Just 6 Months;
        • Free Monthly Credit Score;
        • Monthly Reporting to All Three Major Credit Bureaus;
        • Credit Protection program.
      View all Reflex® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail

      WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

      Petal® 1 "No Annual Fee" Visa® WebBank
      Annual fee:
      $0
      Regular APR:
      23.74% - 33.24% Variable
      Our Rating:
      4.34
      scorer
      Credit score
      No Credit History to Good (0-739)
      • Rewards Rate:
        • 2% - 10%:
        • Cash Back at select merchants.
      • Issuer name:
        WebBank
      • Details:

        The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

        The Petal® 1 Card has no annual fee. The card's APR for purchases: 23.74% - 33.24% (Variable).

        The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

        Read full review

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • No welcome bonus
        • No intro APR period
      • Benefits:
        • 2 - 10% Cash Back;
        • Zero liability fraud protection;
        • $300 - $5,000 credit limits.
      View all Petal® 1 "No Annual Fee" Visa® details
      Apply now
      On WebBank‘s site
      Card detail
      Surge® Platinum Secured Mastercard® Celtic Bank
      Annual fee:
      $69 annually
      Regular APR:
      19.99% Variable
      Our Rating:
      3.3
      scorer
      Credit score
      No Credit History to Poor (0-579)
      • Rewards Rate:
        • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
      • Issuer name:
        Celtic Bank
      • Details:

        The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

        The card's APR: 19.99% (Variable).

        The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

        Read full review

      • Pros:
        • Cash Back rewards
        • Free automatic account reviews for credit limit increases
      • Cons:
        • Annual Fee
        • Foreign Transaction Fee
        • No welcome bonus
        • No Intro APR offer
      • Benefits:
        • 1% Cash Back Rewards;
        • Potential Credit Limit Increase;
        • Report to All 3 Major Credit Bureaus.
      View all Surge® Platinum Secured Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail
      First Progress Platinum Select Mastercard® Secured Synovus Bank
      Annual fee:
      $39 annually
      Regular APR:
      17.74% Variable
      Our Rating:
      3.5
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • Issuer name:
          Synovus Bank
        • Details:

          The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

          The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

          The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

          The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

          Read full review

        • Pros:
          • No credit history required
          • No Minimum Credit Score needed
          • Low Annual Percentage Rates
        • Cons:
          • Annual Fee
          • Foreign Transaction Fee
        • Benefits:
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Select Mastercard® Secured details
        Apply now
        On First Progress’s site
        Card detail
        Upgrade Bitcoin Rewards Sutton Bank
        Annual fee:
        $0
        Regular APR:
        14.99% - 29.99% Regular
        Our Rating:
        4.2
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 1.5% Cash Back in bitcoin when you make payments.
        • Intro Offer:
          • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
        • Issuer name:
          Sutton Bank
        • Details:

          The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

          The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

          Read full review

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • The Card cannot be used at an ATM
        • Benefits:
          • $200 bonus;
          • 1.5% back in bitcoin when you make payments;
          • Credit lines from $500 to $25,000;
          • Affordable monthly payments with no annual fee.

          *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it. Refer to Program Terms. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

        View all Upgrade Bitcoin Rewards details
        Apply now
        On Sutton Bank‘s site
        Card detail
        Capital One® Spark Cash Plus
        Annual fee:
        $150 annually
        Regular APR:
        None *
        Our Rating:
        3.62
        scorer
        Credit score
        Excellent (740-799)
        • Rewards Rate:
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
          • 2% Cash Back for your business on every purchase.
        • Intro Offer:
          • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
        • Purchase Intro APR:
          None *
        • Balance Transfer APR:
          None *
        • Issuer name:
          Capital One
        • Details:

          The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

          The Card has no APR because your balance is due in full every month.

          Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

          The Card's annual fee is $150.

        • Pros:
          • No foreign transaction fees
        • Cons:
          • Annual Fee
        • Benefits:
          • Up to $1,000 in the first 6 months;
          • $200 cash bonus every year you spend $200,000 or more;
          • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
          • 2% Cash Back on every purchase;
          • Roadside Assistance;
          • Free Employee Cards;
          • Extended Warranty;
          • $0 Fraud Liability.
        View all Spark Cash Plus details
        Apply now
        On Capital One‘s site
        Card detail
        Divvy Cross River Bank
        Annual fee:
        $0
        Regular APR:
        None
        Our Rating:
        4.04
        scorer
        Credit score
        Fair to Excellent (580-799)
        • Rewards Rate:
          • 2x - 7x:
          • Points on restaurants.
          • 2x - 5x:
          • Points on hotels.
          • 1.5x - 2x:
          • Points on recurring software subscriptions.
          • 1x - 1.5x:
          • Points on everything else.
        • Issuer name:
          Cross River Bank
        • Details:

          The Divvy Card is a corporate credit card.

          The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

          Points can be redeemed for travel, gift cards, statement credits or cash back.

          Read full review

        • Pros:
          • No fees
          • Rewards
        • Cons:
          • No sign-up bonus
        • Benefits:
          • Unlimited creation of virtual cards;
          • Scalable credit line;
          • Employee cards for everyone;
          • Enforceable budgets;
          • Expense reports.
        View all Divvy details
        Apply now
        On Cross River Bank‘s site
        Card detail