Can you get a credit card without direct deposit?

Yes, you can get a credit card without a direct deposit. There are plenty of unsecured credit cards on the market that do not require cardholders to set up deposits, and instead offer credit limits based on the applicant’s creditworthiness.

Notable Credit Cards Without a Direct Deposit

Typically, only certain “credit-builder” cards require users to transfer money from a bank account whenever they want to set their spending limit. These cards function more like prepaid cards, and the available credit is determined by how much the user moves into the account.

Traditional secured credit cards, on the other hand, require a refundable security deposit only at account opening. This deposit serves as collateral but it is not used for monthly payments. Because of this, secured credit cards can still be a good option for people who can't qualify for traditional credit cards, because they don’t require ongoing deposits.