Credit card without checking account: Apply for the best card!

A credit card without a checking account was standard until the direct banks started offering free account packages with toll-free credit cards. In order to provide you with optimal information about these classic credit cards, we have drawn up a “credit card without checking account” comparison with our financial editors and experienced experts for a good overview. If you would also like to read more about the topic or are interested in specific aspects, you can find a comprehensive guide under the comparison. Now find the best credit card for you without a current account and apply for it directly online!

 

The credit card without a current account at a glance

The credit card without a current account at a glance

  • Classic credit cards
  • Prepaid cards
  • Miles & More
  • Free credit cards
  • Credit cards with certain motifs, for example club logo
  • Cards with discount systems

The number of providers for a credit card without a current account is completely confusing without a corresponding comparison. It is not just about the classic credit cards, which can be opened separately from a checking account, but require a checking account as a clearing account. There is also talk of prepaid credit cards that can be topped up in any way. Credit cards without a current account are available in numerous forms, so that the best credit card without a current account can be found for each user. Here is a small overview of the characteristics.

 

Is there a free credit card without a checking account?

credit card without a checking account?

If it is a real credit card, the number of free credit cards without checking account is extensive. Basically, consumers can only find the best individual card using a free credit card without checking the current account. However, prepaid credit cards, which also work without a current account, are not available free of charge. This type of card incurs fees, which vary from provider to provider.

 

The three most important criteria for a credit card without a checking account

credit card without a checking account

  • The elimination of the annual fee is desirable.
  • The variety of offers leaves nothing to be desired.
  • Available as a classic credit card, but also as a prepaid card.

 

Apply for a credit card without a current account – how it works

credit card without a current account - how it works

Have you found the best credit card for you without a current account from the multitude of offers and would you like to apply for one now? The credit card application can be found on the issuer’s homepage. With a classic credit card, a credit check is carried out, which is not necessary with a prepaid card. In most cases, you have to apply for the credit card without a current account by sending the completed documents back to the credit card issuer as part of the post-identification process. To do this, you need a valid ID card or passport with confirmation of residence for the legitimacy check.

If the publisher offers the video identification process, there is no need to go to the post office. For the video identification process you need a computer with camera and microphone and speaker in addition to the valid ID. You can contact the issuer via the video chat function, and an employee will guide you through the application process.

 

The credit card without checking the current account

The credit card without checking the current account

In general terms, due to the large number of offers, everyone has to decide for themselves which criteria are important for a credit card without a checking account. The majority of consumers want the credit card to be issued free of charge. Frequent flyers want to collect flight miles with card sales, frequent travelers prefer cards that offer a discount at the petrol pump. Whose heart is attached to a particular football club may choose a card with the club crest. Others are looking for a credit card that enables an individual card motif. There is a wide range of criteria that make up “the best credit card without a current account” for the cardholder.

 

Conclusion

A credit card without a current account is nothing new, the market is full of it. Only a consumer can find out which is the best credit card without a checking account for themselves by means of a credit card comparison.

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