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Self-Employed

Best Self-Employed credit cards in Canada

Self-employed credit cards in Canada are pitched at freelancers, sole proprietors and other self-employed people.

*a card is filed here when the issuer's own page says, in a sentence about this card, that it is designed for the self-employed. A menu link, a footnote or a line about another card does not count, and neither does an eligibility line listing "salaried or self-employed", which is true of most cards. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

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Self-Employed cards filed
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All Self-Employed cards in Canada

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Questions

Frequently asked

What is the best self-employed credit card in Canada?

The best self-employed card in Canada depends on your spending and goals. We list every self-employed card we hold — 1 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a self-employed credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a self-employed card with other cards?

Yes. Many people pair a self-employed card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these self-employed card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.