The best credit cards with no bank account required are from Chase, Bank of America, American Express, Wells Fargo, and Barclays. Out of the 10 biggest U.S. card issuers, these 5 don’t ask about bank accounts on their credit card applications. So it’s safe to say you can get approved for their credit cards without a bank account.
A handful of other cards specifically don’t require a bank account for approval: the OpenSky Secured Credit Card and the 3 Green Dot secured credit cards. Keep in mind that, generally, secured cards do require applicants to have a bank account in order to fund the required deposit. If the card issuer doesn’t require a bank account when you apply, they may require you to open one with their company to fund your deposit.
You may be able to get approved for other cards without a bank account, too, even if they ask you about it on the application. Just because they ask about it doesn’t necessarily mean you’re required to have one.
After you get approved, however, you’ll have to find a reliable way to make your credit card payments without a bank account. This could prove to be difficult and inconvenient, especially if the issuer of the card you choose doesn’t have a physical bank branch near you. Make sure you think this through before you get a credit card without a bank account. You can’t pay a credit card bill with another credit card, and most card issuers don’t even accept debit cards, so it’s important to confirm the card you get will accept cash or money orders for payment.
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