Cards
7 credit card options for self-employed
If you're self-employed, you've probably had difficulty getting a credit card. That's why we've brought here 7 options for you to get a card more easily. Check out!
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We have the ideal card for you who are self-employed
Before talking about the credit card for the self-employed, it is important to mention that those who work as self-employed do not have proof of fixed income like those who have a formal contract. In this way, it can be difficult to prove income to carry out financial processes, i.e. loans, credit cards, etc.
However, most people want a credit card to organize their financial lives. What to do in this case? In today's article, we have gathered 7 credit cards for self-employed people. Keep reading and discover the best options!
How to make a credit card for self-employed?
Firstly, when applying for a self-employed card, one of the concerns is how to prove income. In that sense, there are some options available. See what they are below.
Bank Transaction History
Thus, you can show the bank your statement and prove the existence of income. However, it is common for the institution where you are an account holder to offer you a card. After all, they are already acknowledging the transactions. However, if you want to prove it at another bank, it is also possible, just issue your account statement.
good credit history
This way of obtaining credit is valid not only for the self-employed. Once with a good paying history, it is easier for anyone to get loans or cards with the bank. That is, if you pay all bills on time, your history is already good. Also, this is where the famous credit score comes in. Therefore, if your bank checks the SPC or Serasa, it will be able to trust you with the credit.
Income tax
There are several financial institutions that accept income tax as proof. However, it is worth mentioning that if your declared income is not very high, neither is the limit. That is, the bank grants a limit compatible with the information it has about your reality.
Income Statement
Finally, the self-employed person can issue a DECORE or Proof of Income Perception Statement. This document proves income and must be issued by an accountant to present to the financial institution.
What are the best credit card options for self-employed?
See now the main credit card options available on the market for those who work as a self-employed person. Follow!
1. Nubank
In short, Nubank is one of the largest banks in Brazil. The bank was one of the first companies that emerged with the proposal to simplify finances. Furthermore, since its inception, the institution has become the most valuable bank in Latin America.
With that, the Nubank credit card is a great option for those who are self-employed. First, the card has no annual fee. In addition to allowing discount on the invoice when anticipating installments.
Minimum Income | not required |
Annuity | Exempt |
Flag | MasterCard |
Roof | International |
Benefits | anticipation of installments Mastercard Surprise |
2. InterGold
The Inter Gold credit card is the institution's most basic financial product. That is, any account holder can now receive his. In this way, credit approval is very easy for self-employed people. The card also has no annual fee and also has international coverage.
In addition, it is possible to receive cashback on your purchases. This money can be used in the Super App shopping mall. Furthermore, the card is also part of the Mastercard Surpreenda scoring program.
Minimum Income | not informed |
Annuity | Exempt |
Flag | MasterCard |
Roof | International |
Benefits | cashback on purchases Mastercard Surprise |
3. Next
Like Banco Bradesco's digital bank, Next surprises with its advantages. In this way, the Next card is also easy to approve, without having to send a lot of documents. Therefore, the card has no annual fee, has international coverage and has exclusive treats.
Also, if you are interested, you can hire the Platinum version of this card. In this modality, the Next Visa Platinum card has all the benefits linked to the brand. However, this card has an annual fee of R$42.50 per month.
Minimum Income | not informed |
Annuity | Exempt - International Visa 12x of R$ 42.50 – Visa Platinum |
Flag | Visa |
Roof | International |
Benefits | Go from Visa |
4. Credicard Platinum
In short, the Credicard Platinum card is a financial product with no annual fee and many benefits. First, the card is international and the physical card has no number. In this way, the card is much safer against theft and theft. In addition, soon after approval, it is already possible to start using the virtual card for purchases.
Annuity | Exempt |
minimum income | not informed |
Flag | Visa |
Roof | International |
Benefits | Discounts at partner stores |
5. Mercado Pago
Mercado Pago can be a great option for freelancers. Especially for those who sell directly on Mercado Livre. This is because those who are sellers have several benefits on the platform.
In addition, to have a Mercado Pago credit card, you must also be an account holder. Furthermore, the card has no annual fee, is international and easy to apply for.
Annuity | Exempt |
minimum income | not informed |
Flag | Visa |
Roof | International |
Benefits | approximation payment Virtual card available |
6. C6 Bank
Firstly, C6 Bank brings together more than millions of C6 Bank credit card users. This is because of the benefits of this card. Since it has international coverage, free annuity and some other advantages. For example, the scoring program itself, Atoms. In parallel, the same card offers the program associated with the brand, Mastercard Surpreenda.
As we mentioned in Next, C6 Bank also offers a more premium version of this card. The C6 Carbon card. Thus, this card belongs to the Mastercard Black line and has exclusive advantages. However, to support this the card has a 12x annual fee of R$85. However, it is good to be aware that there are cases in which the annuity may be exempt.
Minimum Income | Not Informed |
Annuity | Exempt - C6 12x of R$ 85.00 - C6 Carbon |
Flag | MasterCard |
Roof | International |
Benefits | C6 Free Tag Atoms scoring program Mastercard Surprise |
7. Type
The Digio card offers exclusive benefits and is very simple to contract. The request can even be made online, directly through the website. In addition, the card has zero annuity and is international. In fact, right after signing up, you can start using your virtual card.
In this sense, your card purchases become cashback that goes straight to your Digio account. In addition, for those who want to buy at DigioLoja, the conditions are exclusive.
Annuity | Exempt |
minimum income | not informed |
Flag | Visa |
Roof | International |
Benefits | Advantages at Digio Loja purchases with cashback |
About the author / Leticia Maia
Reviewed by / Junior Aguiar
Senior Editor
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