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

Saiba como conseguir um cartão de crédito sendo autônomo. Fonte: Pexels.
Learn how to get a credit card being self-employed. Source: Pexels.

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

Conheça o cartão Nubank. Fonte: Nubank.
Meet the Nubank card. Source: 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 Incomenot required
AnnuityExempt
FlagMasterCard
RoofInternational
Benefitsanticipation of installments
Mastercard Surprise
card features

How to apply for the Nubank card

Apply now for the Nubank card and enjoy great advantages!

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 Incomenot informed
AnnuityExempt
FlagMasterCard
RoofInternational
Benefitscashback on purchases
Mastercard Surprise
card features
Cartão do Banco Inter

How to apply for Inter credit card

Find out how to apply for the Inter credit card!

3. Next

O Banco Next é o banco digital do Bradesco. Fonte: Next.
Banco Next is Bradesco's digital bank. Source: 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 Incomenot informed
AnnuityExempt - International Visa
12x of R$ 42.50 – Visa Platinum
FlagVisa
RoofInternational
BenefitsGo from Visa
card features

How to apply for the Next card

Request the Next card now and enjoy exclusive benefits!

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.

AnnuityExempt
minimum incomenot informed
FlagVisa
RoofInternational
BenefitsDiscounts at partner stores
card features

How to apply for an Itaú Credicard card

Find out how to apply for Credicard Platinum!

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.

AnnuityExempt
minimum incomenot informed
FlagVisa
RoofInternational
Benefitsapproximation payment
Virtual card available
card features

How to apply for the Mercado Pago card

Learn how to apply for a Mercado Pago credit card!

6. C6 Bank

Conheça todas as vantagens do cartão C6 Bank. Fonte: C6 Bank.
Discover all the advantages of the C6 Bank card. Source: 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 IncomeNot Informed
AnnuityExempt - C6
12x of R$ 85.00 - C6 Carbon
FlagMasterCard
RoofInternational
BenefitsC6 Free Tag
Atoms scoring program
Mastercard Surprise
card features

How to apply for the C6 Bank credit card

Find out how to apply for the C6 Bank credit card.

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.

AnnuityExempt
minimum incomenot informed
FlagVisa
RoofInternational
BenefitsAdvantages at Digio Loja
purchases with cashback
card features

How to apply for Digi card

Learn how to apply for your Digio card with exclusive advantages!

About the author  /  Leticia Maia

Journalism student at UFSC, has always been passionate about writing. In the middle of college, he met digital marketing and was enchanted. She is a content producer for blogs and social networks.

Reviewed by  /  Junior Aguiar

Senior Editor

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