Tangerine World Mastercard
- Enjoy a 10% cashback welcome bonus
- Earn unlimited cashback with no caps on earning potential
- No annual fee
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While getting a credit card from the same bank that you have a cheque or savings account with might offer some convenience, there can be benefits in getting a credit card from another bank. Use this guide to weigh your options and decide whether or not you should get a credit card with your current bank or another provider.
Yes, you can apply for a credit card with any bank that’s not your own bank. For example, you can get a credit card with RBC even if you bank exclusively with TD. You don’t need to have a bank account in order to apply for a credit card and you can simultaneously have multiple credit cards from different banks.
When you’re looking to get a new credit card there are perks to both staying with your existing bank and choosing to sign up with a new one. If you’re having trouble deciding, use the comparison below to determine which strategy is right for you.
These are the top credit card offers that grabbed our attention. Select your credit score below to see the cards that are a good fit for you.
$0 annual fee and up to 2 cash back
Tangerine Money-Back Credit Card
Get up to 30,000 bonus points
American Express Cobalt Card
Earn up to 90,000 bonus points
BMO eclipse Visa Infinite Privilege
Earn 2% cash back on groceries
RBC Cash Back Mastercard
Ready to get a credit card from another bank? Check out the promotional credit card offers below.
When comparing credit cards from different banks, consider the following factors:
You can definitely switch credit cards with the same bank. It’s also possible to hold two or more credit cards from the same bank if you don’t want to close out your original account. To switch credit cards with the same bank, you’ll need to fill out an application for a new credit card and close out your old card. That said, you may want to keep both accounts open and simply stop using the original card since closing out credit cards can damage your credit score.
You may be able to have a credit card without a bank account as long as you can show proof of income. Your eligibility for a credit card will depend on the policies of the bank you’re applying with. You should also keep in mind that it may be difficult to make payments on a credit card without a bank account, especially if there are no branch locations near you where you can pay off your card in cash.
It’s easy to get a credit card from a different bank than the one you bank with. You can also hold multiple cards from different banks, switch credit cards with the same bank and even get a credit card without a bank account if you need to. All you have to do is compare credit cards to find the best card to add to your portfolio.
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