Getting Your First Credit Card as a Freelancer in the US: Step‑by‑Step Guide (2026)

getting your first credit card as a freelancer in the US

Getting your first credit card as a freelancer in the US can feel like navigating a system designed for salaried workers. Building credit as a freelancer feels like you’re playing by different rules. When you walk up to the credit card approval process, you don’t have the paycheck stubs, the W-2 form, or the steady employer that traditional workers lean on.