How to Get a Credit Card Without a Bank Account

Most credit cards do not require that you have a bank account. All you need to acquire a card is a good credit history and stable income, usually from either steady employment or a retirement pension. Credit cards that do not require a bank account are usually unsecured credit cards that do not require collateral or a deposit. A variety of credit cards are available to you even if you've never had a relationship with a bank, but you should shop around to compare finance charges and other fees.

Instructions

1

Visit banks and credit unions in your area. Chat with a bank representative and ask about the bank's different credit card offerings. Take notes but don't apply right away.

2

Ask friends and family members about their credit card companies. Ask for recommendations and note their complaints. Also tap into online social networks and consumer groups to learn more.

3

Visit the websites of the credit card companies you have learned about. Compare the various features for the credit cards, including interest rates and reward programs. Make sure to compare fees as well. Fees can include annual membership fees, late fees and over-the-limit fees.

4

Select the credit card offer that is best for you and apply for your card.