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Should I get a business credit card as a freelancer?

Yes — a dedicated business credit card is one of the easiest ways to keep business and personal spending separate, simplify bookkeeping, and start building a credit profile for the business. You can qualify as a sole proprietor using your own income and Social Security number; you don't need an incorporated entity or years of history. Charging all business purchases to one card means your year-end statements double as an expense log, and many cards offer category rewards on things like software, advertising, or office supplies. Be aware that most business cards report to your personal credit only if you default, but on-time payment still protects your overall profile. Pay the balance in full each month — carrying business debt at 20%+ interest erodes thin margins fast. Use it strictly for business so the deductible-expense trail stays clean.

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