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  Capital One® |
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| Intro APR PURCH. | Intro Period PURCH. | APR % | Setup Fee | Annual Fee |
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| 0% | Until December 2008 | 8.65% | $0 | $39 |
Credit Cards with No Checking Account
Everybody has a credit card, why don't you? The most likely answer is that you have bad or no credit history. So what do you do if your credit score is so low? The first most obvious answer is to get a secured card. But what if you want to build your credit without having a checking or a savings account? At ApplyForBestCredit.com you can apply for credit cards without a bank account.
The following credit cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
| Bank name Credit card name |
Intro APR PURCH. | Intro Period PURCH. | APR % | Setup Fee | Annual Fee | Apply Details |
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 Capital One® Standard Platinum |
0% | Until December 2008 | 19.55% | $0 | $0 |
 see details
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 Capital One® Classic Platinum |
0% | Until December 2008 | 14.65% | $0 | $19 |
see details
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 Capital One® No Hassle PointsSM Rewards |
0% | Until December 2008 | 16.65% | $0 | $29 |
see details
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 Capital One® Platinum |
0% | Until December 2008 | 8.65% | $0 | $39 |
see details
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 First PREMIER Bank Centennial Gold MasterCard®/Visa |
n/a | n/a | 9.9%9 | $29 | $48 |
see details
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 First PREMIER Bank Gold MasterCard®/Visa |
n/a | n/a | 9.9%11 | $29 | $48 |
see details
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable | ||
Practical Guidelines
Applying for Cards without Checking Account
There is a significant number of consumers that have their credit score below 620 FICO points. Some of them are simply young and haven't had a chance to build their credit history. The others have had some problems with making their payments.
So some banks have decided to give these people a chance. First, banks started to offer secured credit cards. Those cards require you to have some money on your savings or checking account to serve as collateral. However, there are consumers with no savings or checking account. So now you can get an unsecured credit card - no bank account required.
No Banking Account Offers from First PREMIER
The advantages of making payments with credit cards are obvious: they are convenient, secure and give you a chance to save, with rewards and discounts. So do not hesitate to apply for a credit card without a checking account. There are banks that are willing to give you an unsecured credit card.
Our top choice is First PREMIER Bank. It is acclaimed for its excellent service. It is also well-known for giving credit to consumers with less than perfect credit history or to those whose credit history needs some improvement. We are glad to offer you no bank account requiring credit cards from First PREMIER bank.
With little money for the set-up fee you can establish credit without a bank account or a checking account. Of course, cards for good credit history usually do not require a set-up fee but you should remember that the bank has to minimize the risks.
This is also why you will have to pay the annual fee. But if you consider the APR that can be as low as 9.9%, it is not much for the opportunities you get with this plastic. Just remember that APR can vary because the bank will analyze your credit history before making the decision about your APR.
So what do no checking account credit cards from First PREMIER Bank give?
First of all, you will receive an instant decision on your application. More or less all of them are accepted. This is very important because you do not have to send many applications, so you will avoid hard inquiries on your credit report.
Secondly, you will get your credit history reported to all the major credit bureaus: Equifax, TransUnion, and Experian. This is the biggest advantage of the cards. They allow you to establish credit. If you make all your payments on time your credit score will increase and you will become eligible for better plastics. Just manage your finance wisely.
To make your financial life easier First PREMIER Bank provides you with 24-hours assistance. You can call the bank any time and ask any question you have concerning your credit card account. It is always great to have access to the first-hand information. Especially if you are having trouble using your plastic or if something is unclear to you on your credit card statement.
Those who have credit cards without bank account can use their plastic for everything a regular cardholder would. You can transfer your balance if you need to. The APR is more than favorable.
You can also get a cash advance. However, we recommend you to do it only in case of emergency, because APR for cash advances is usually quite high and there is also a cash advance fee.
The one thing you should really think about if you want to get a credit card without having a checking account or a bank account is payments. If you miss your payment you will not only get penalized by the bank - your credit history will be seriously damaged.
So, if you have decided to apply for a no checking account credit card, compare the deals. Find the best one for your spending habits and submit your application! It is never too late to establish good credit history.
