Do you need a bank account to get a credit card? - General FAQ


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. receives compensation from most 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 on | Updated on March 5th, 2013
The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time you activate.
Excellent, Good Credit
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
Excellent, Good Credit
Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Excellent, Good Credit

Other Questions in

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!