It can be a bit harder to get a credit card if you’re self-employed, but it’s certainly not impossible.   The main sticking point is evidence of a regular income. As an employee, you have a fixed salary. This acts as a guarantee that you receive a certain amount of money on a regular basis.   If you’re self-employed with a variable income, you’ll be considered a higher risk because your income levels will go up and down.    That said, if your credit report shows that you have a steady and reliable credit history, it should be easier to find a credit card provider who’ll accept your application.