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Is it possible to find a credit card that doesn't require opening an account? Read on to find out!
In Brazil, 38.5% of its adult population does not have a bank account, according to a survey carried out by Brink 'sea Dom Cabral Foundation. They are also known as unbanked.
This audience is also known for having difficulties when requesting credit and other banking services, precisely because they do not have a bank account.
However, the number of unbanked people who need credit, but they don't want to have a link with any bank grew.
In fact, this group may have a credit card without bank account and there are many financial institutions interested in them.
In fact, in this text you will find some great credit card alternatives to apply today. So, be sure to keep reading!
Text index:
- How does a credit card that doesn't require opening an account work?
- Which credit card doesn't require you to open an account?
- What is the credit card limit without a checking account?
- Credit card approved instantly;
- Is it worth having a credit card without an account?
- Conclusion.
How does a credit card that doesn't require opening an account work?
The main target audience for this card model are people who want to enjoy the benefits that a credit card offers, but without having to open a bank account.
This is more common than you might think, as there are many reasons why someone might not want to open a bank account, for example, paying excessive fees.
There is also the group that already has a bank account, but wants to have a credit card from another bank, without having to open a new account.
THE credit card that doesn't require opening an account It works like any other card. You'll have access to a credit limit and can use it to pay for purchases in installments at various establishments.
Generally, you need to download an app to access transactions made with your card and track expenses on your statement, for example.
Which credit card doesn't require you to open an account?
You credit cards without checking account offer many advantages to their users.
Other than that, they're simple and perfect for everyday purchases. There are alternatives from traditional banks, stores, fintechs, and more.
Check out our selection below!
#Will Bank
THE Will Bank It was designed for the unbanked, and thanks to this card, other financial institutions also sparked interest in this audience.
This credit card has no fees or annual fees, and its easy approval is one of its distinguishing features.
With it, you can make free withdrawals at Banco 24h ATMs, earn cashback, discounts at partner stores, and also enjoy the benefits offered by the card brand, Mastercard.
You can enjoy more benefits, for example, automatic account income of up to 100% of the CDI, just open a digital account at Will Bank.
It has no monthly fees, tariffs, it is 100% digital and it is a credit card approved with low score!
#Digio
THE Digio credit card without account It's one of the best options on the market. It has no annual fees and is very easy to approve.
The minimum income required to apply for one is R$1,212.00. Other than that, it does not accept people with bad credit, but it does accept people with low credit scores.
In addition to having no annual fee, this card doesn't charge recurring interest and also pays cashback. The credit card also offers many benefits to its users, including the benefits offered by the card brand.
The card is issued by Visa and is available in the Classic version. Among the benefits offered by the card, we can highlight, for example:
- Emergency withdrawal service;
- Emergency card replacement;
- Go Visa Program.
To enjoy more benefits and access other credit services offered by this fintech, open a digital account.
#Caugarloaf Card
THE Sugarloaf Plus Itaú Gold Visa card It can also be requested by people who do not have an Itaú account.
Among its advantages, we can highlight that it earns points in reais. That is, for every real spent, you earn one point.
The annual fee can be paid in 12 installments of R$33.75 and the minimum income required to apply for one is R$2,500.00.
The card's flag is Visa Gold, so you can enjoy the benefits it offers.
With this card you can also take advantage of discounts in Grupo Pão de Açúcar stores or websites.
THE credit card that does not need to open a Pão de Açúcar account can be requested at Itaú cards website.
#Trigg
Despite the annual fee, it's very affordable, just 12 installments of R$13.90. With this card, you can earn up to R$1.31 in cash back on your purchases.
Plus, you can earn cashback by referring friends. You can order additional cards for anyone over 8 years old and choose from modern and innovative models to suit your needs.
However, this credit card is not among the most chosen by credit card users due to its fees.
See the table below:
| Trigg card annual fee | 12x of R$13.90 |
| National loot | R$10.00 |
| International withdrawal | R$10.00 |
| Card issuance | R$29.90/unit |
All Trigg cards are Visa Gold International, meaning that in addition to enjoying the benefits offered by the card brand, you can use them for purchases abroad.
Find out how to request yours!
#Marisa Mbank Card
The Marisa Mbank card's annual fee is 11x R$$4.89 + 1x R$$4.99. However, it can be reset based on expenses on the statement.
The minimum income required to apply for this card is R$800.00.
The Mbank Marisa card is issued under the Mastercard banner, making it a perfect alternative for existing Marisa Store customers.
This is because you can access exclusive discounts and offers. You can request them through the Itaú card website.
#Vivo Itaú Cashback
With this card you can earn up to 0.5% cashback on purchases at various establishments and up to 10% on purchases made at Vivo.
Although there is an annual fee, it can be waived if the monthly bill is greater than R$$350.00 in purchases from Vivo.
The Itaú Vivo card is issued in the Visa Platinum version, in which case you can still count on the benefits of the brand for this version.
#Itaucard Click
The Click credit card has no annual fee. It's also known as an easy-to-approve card with a high credit limit.
Among the advantages it offers, we can highlight, for example:
- Iupp points program;
- Itaú Tag free of monthly fees;
- Virtual card;
- Cinema discounts at Iupp;
- + Limit;
- Iphone Forever Program;
- Emergency credit assessment.
#Credit card that doesn't require opening an Extra account
The Extra Itaú Gold Mastercard credit card is known for being easy to approve and also for offering a high limit.
Your annual fee can be paid in 12 installments of R$32.90 and the minimum income required to apply for one is R$2,500.00.
With it you have access to the Extra points program, which gives you 1.5 points for every R$$100.00 spent with this card.
However, you can earn double if purchases are made at Extra or Pão de Açúcar stores.
Additionally, you can still access discounts on Qualitá brand products and also the benefits offered by the card issuer and brand.
What is the card limit without a checking account?
THE credit card limit without checking account depends on each institutionWhen setting the limit, each bank has its own evaluation criteria.
Many factors are considered when granting a credit limit and choosing the exact amount, such as credit score, payment capacity, and proof of income.
Therefore, the greater your proven payment capacity and credit score reputation, the higher the card limit will be.
Which credit card is approved instantly?
Most credit cards are approved instantly, as long as you pass the credit check.
However, if you have a digital account, you can build up your credit limit over time as you use your debit card and the services available in the app.
To get your credit limit approved instantly: keep your credit history clean, increase your score, pay your bills on time, and use your existing credit wisely.
Is it worth having a credit card without a checking account?
It depends on the card model. Nowadays, you can find many credit cards coupled with accounts that only intensify their benefits.
An example of this are digital account cards. They have no monthly fees and offer many benefits to their customers, including most that are fee-free.
Therefore, in this case, it is not worth having a credit card without opening an account, even if your intention is to avoid the fees charged by the bank.
Speaking of which, a card without a digital account costs more than one with a digital account. Take the annual fee, for example.
Choose a card alternative with a free digital account and have more ease when applying for credit and accessing banking services that can make your day-to-day life easier.
Conclusion
Have a credit card that doesn't require opening an account Approved is possible! You can start by exploring the alternatives we've mentioned in this text and choosing the best one for your budget.
On our blog you will find content about the main credit cards available on the market.
Click on the “Cards” and find the product you are looking for!
