Frequently Asked Questions
Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » Questions » FAQs » General » Do you need a bank account to get a credit card?

Do you need a bank account to get a credit card?

Answered by , at
Add to Favorites:

Tags: ,

Leo Zhu

No, in most cases you do not need to have a bank account in order to apply for a credit card – although you do need to have a method by which to pay your credit card balance. In most cases, this will be a checking or savings account at a reputable banking institution. However, more and more people are using prepaid cards, like , in place of traditional checking accounts. These prepaid card accounts allow users to pay bills and receive direct deposits, so they do not need to have a bank account.

The following information is all that is required on most credit card applications:

  • Your date of birth (you must be 18 years old to apply for a credit card)
  • A valid Social Security number
  • Your home address and telephone number
  • Your employment and income information
  • You financial information, including whether or not you have a bank account with the institution that issues the card you are applying for. (Although it is not required that you carry an account with them, most issuers will ask this question.)

If you want to apply for a credit card but you do not have a bank account, be prepared to submit information about how you will pay your credit card bill. Most issuers will need this information before approving your account.

Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
1% cash back on select purchases, terms apply
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

Other Questions in