Secured Credit Cards for Gig Workers: Are They a Smart Option in 2026?
Many gig workers find that getting approved for a traditional unsecured credit card is harder than expected, even when they are working full time and earning a reasonable amount overall. Lenders are often set up to evaluate people with steady paychecks and predictable pay periods, not drivers, delivery workers, or freelancers whose earnings can swing from week to week. This mismatch can lead to confusing denials or low credit limits, even when the applicant feels their income is strong over the course of the month.
