{"id":755926,"date":"2018-12-16T19:55:59","date_gmt":"2018-12-17T00:55:59","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=755926"},"modified":"2026-05-15T13:21:23","modified_gmt":"2026-05-15T17:21:23","slug":"credit-card-from-a-different-bank","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/credit-card-from-a-different-bank","title":{"rendered":"Can you get a credit card from a different bank?"},"content":{"rendered":"<p>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.<\/p><h3 id=\"learn\">Can I get a credit card from another bank?<\/h3><p>Yes, you can apply for a credit card with any bank that&#8217;s not your own bank. For example, you can get a credit card with RBC even if you bank exclusively with TD. You don&#8217;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.<\/p><p>When you&#8217;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&#8217;re having trouble deciding, use the comparison below to determine which strategy is right for you.<\/p><div class=\"signpost-cta type-default u-bg--lime-500\" data-component=\"signpost-cta\" data-component-type=\"default\" data-component-placement=\"in-content\" data-click-target=\"https:\/\/www.finder.com\/ca\/credit-cards\">\n\n    <div class=\"signpost-cta__content\">\n\n        <div class=\"signpost-cta__display-col\">\n                            <svg class=\"signpost-cta__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"42\" viewBox=\"0 0 314.16 201.03\" fill=\"none\">\n                    <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n                    <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n                    <\/div>\n\n        <div class=\"signpost-cta__text\">\n    <p class=\"signpost-cta__heading\">Ready to apply?<\/p>\n            <p class=\"signpost-cta__description\">Compare 30+ credit cards<\/p>\n    <\/div>\n\n    <\/div>\n\n    <div class=\"signpost-cta__action\">\n            <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\" class=\"luna-button luna-button--primary signpost-cta__button\" data-tracking=\"signpost-cta-click\">Let's go<\/a>\n        <\/div>\n<\/div>\n\n<h4><a id=\"same\"><\/a>Getting a credit card with your existing bank<\/h4><ul class=\"list-10\"><li><strong>When you get a credit card from another bank, you may be stepping into unfamiliar territory.<\/strong> You&#8217;ll have to log in to a new banking portal to see your credit card balance and you won&#8217;t be able to transfer funds between your accounts easily. You may also struggle with accessing the same level of customer service if you run into issues with your account when you get a credit card from a different bank.<\/li><li><strong>Simple application process. <\/strong>When you apply for a credit card with your existing bank, your provider will have all of your financial information available to assess your eligibility. When you apply for a credit card from another bank, you may have to supply additional documents to get approved. You could also face more strict eligibility criteria to qualify if you don&#8217;t have a long-standing history with the other bank.<\/li><\/ul><h4><a id=\"different\"><\/a>Getting a credit card with a different bank<\/h4><ul class=\"list-1\"><li><strong>Promotional offers. <\/strong>The primary reason you might want to get a credit card from another bank is to take advantage of promotional offers. For example, some credit cards offer 0% balance transfers for up to 12 months or welcome bonus points with a rewards or travel points program. These offers are usually only available for new applicants and may not be available if you already bank with the provider.<\/li><li><strong>Getting a better deal.<\/strong>Applying for a credit card from another bank can give you more competitive interest rates or fees. You may also get a wider array of benefits or a higher return on rewards with a credit card from another bank. You can use the comparison table below to compare credit cards from different banks. Pay attention to the annual fees, interest rates and features such as rewards and complimentary insurances to see how providers stack up.<\/li><\/ul><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Compare credit cards with introductory offers<\/a>\n<\/div>\n<\/article><h3><a id=\"compare\"><\/a>How to compare credit cards<\/h3><p>When comparing credit cards from different banks, consider the following factors:<\/p><ul class=\"list-9\"><li><b>Purchase interest rates. <\/b>Interest rates vary between credit cards from different banks. Even a small difference in the APR can cost you a lot of money if you&#8217;re not careful about paying off your outstanding balance in full each month.<\/li><li><b>Promotional interest rates. <\/b>If a promotional interest rate is being offered, find out how long it lasts, what it applies to (new purchases or balance transfers) and what the rate will be once the promotion ends.<\/li><li><b>Balance transfers. <\/b>If you&#8217;re looking to do a balance transfer, you will want to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/balance-transfer-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">compare balance transfer interest rates<\/a>, card fees, the term of the low balance transfer offer and if any balance transfer fees apply.<\/li><li><strong>Cash advance interest rates. <\/strong>Withdrawing money using your credit card will come with a hefty fee known as a cash advance rate. Unlike the purchase rate, this rate is applied from the moment you withdraw funds using your card.<\/li><li><b>Annual fees.<\/b> Card fees can be pricey, but some banks will waive the fee for the first year if you&#8217;re a new customer. It&#8217;s possible to <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/no-annual-fee-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">find no annual fee cards<\/a> or cards that come with a fee but offer benefits to offset the expense.<\/li><li><b>Interest-free days. <\/b>Expect anywhere between 21 and 55 interest-free days. If you tend to pay off your balance on-time, these interest-free days can help you hold onto your money longer.<\/li><li><b>Rewards. <\/b><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">Find out how many rewards you&#8217;ll earn with each card and pick the card that offers the highest return with the type of rewards that will work best for your lifestyle.<\/a><\/li><li><b>Complimentary extras.<\/b> Look at complimentary insurances, airport lounge access, access to early ticket sales and other complimentary extras when comparing cards.<\/li><\/ul><h3>Can I switch credit cards with the same bank?<\/h3><p>You can definitely switch credit cards with the same bank. It&#8217;s also possible to hold two or more credit cards from the same bank if you don&#8217;t want to close out your original account. To switch credit cards with the same bank, you&#8217;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.<\/p><h3>Can I have a credit card without a bank account?<\/h3><p>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&#8217;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.<\/p><h3>How to pay a credit card from another bank<\/h3><p>Paying a credit card from another bank is easy and can be done via online or mobile banking. All you have to do is log in to your account, navigate to the bill payments menu and enter your credit card account details as a new payee.<\/p><p>You can then initiate a payment by entering the amount you need to pay off your credit card. Make sure you review the details of the payment to make sure everything is correct before finalizing the transaction.<\/p><h3>Bottom line<\/h3><p>It&#8217;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 and switch credit cards with the same bank, while it&#8217;s easy to pay a credit card from another bank too. All you have to do is compare credit cards to find the best card to add to your portfolio.<\/p><h3><a id=\"faq\"><\/a>Credit card from another bank FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I get a credit card from another bank?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>You can definitely get a credit card from a different bank than the one you bank with. You just need to apply and show proof that you meet eligibility requirements. Just be prepared to manage your account using the other bank's online portal.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<div class=\"css-a5m6co-text css-p8ym46-fontFamily css-11397xj-fontSize css-15qzf5r-display css-7bji7i-wordBreak\"><span class=\"css-a5m6co-text css-p8ym46-fontFamily css-11397xj-fontSize css-18j1nfb-display\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How can I pay a credit card from another bank?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>It's fairly easy to pay a credit card bill from another bank. Simply log into your bank account online and follow the prompts in the Bill Payments section of your bank account to add that credit card account as a payee. Once it's set up you can pay yourv credit card bill from a different bank each month.<\/span><\/div><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Can you have a credit card without a bank account? <\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>You don't need a bank account for a credit card in some cases. It's up to the discretion of the bank you apply with if it wants to issue you a credit card without a bank account. Many banks will allow this as long as you show proof of income and you live near a physical branch location so that you can pay in cash. You do have to make payments each month however, and this is more difficult to do without a bank account.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can you have two credit cards from different banks?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>You can have two credit cards from different banks, or even multiple credit cards from several providers (they don't even have to be banks). Just be aware that the credit card company or bank you apply with may factor the number of credit cards you already have into its decision about issuing you a card. Applying for multiple credit cards can also harm your credit score.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">Can I switch credit cards with the same bank?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>You can <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\">switch credit cards<\/a> with the same bank, but it's not a straight across switch. Instead, you have to apply for the new card and close your account on the old one. That said, many experts recommend that even if you want to switch credit cards with the same bank, you keep the old card open since closing it can damage your credit score.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>It is possible to get a credit card from another bank other than your own. Learn how to take advantage of a better offer and apply today.<\/p>\n","protected":false},"author":474,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"credit card from another bank","_yoast_wpseo_title":"Can I Get a Credit Card From Another Bank? | Finder Canada","_yoast_wpseo_metadesc":"Yes, you can get a credit card from a different bank. Take advantage of welcome offers from credit card providers and apply today.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":"false","post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":"false","post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2024-03-15 18:00:54\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide with Finder analysis of search interest in credit cards with a different bank.\"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[91],"tags":[1889,5439],"asset_tag":[],"class_list":["post-755926","post","type-post","status-publish","format-standard","hentry","category-credit-cards","tag-credit-card","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can I Get a Credit Card From Another Bank? | Finder Canada<\/title>\n<meta name=\"description\" content=\"Yes, you can get a credit card from a different bank. Take advantage of welcome offers from credit card providers and apply today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-card-from-a-different-bank\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can you get a credit card from a different bank?\" \/>\n<meta property=\"og:description\" content=\"Yes, you can get a credit card from a different bank. Take advantage of welcome offers from credit card providers and apply today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/credit-cards\/credit-card-from-a-different-bank\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-17T00:55:59+00:00\" \/>\n<meta name=\"author\" content=\"Claire Horwood\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Claire Horwood\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/credit-card-from-a-different-bank#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/credit-card-from-a-different-bank\"},\"author\":{\"name\":\"Claire Horwood\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/252a43e10a819c05764a610c2b59e414\"},\"headline\":\"Can you get a credit card from a different bank?\",\"datePublished\":\"2018-12-17T00:55:59+00:00\",\"dateModified\":\"2024-03-15T14:00:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/credit-card-from-a-different-bank\"},\"wordCount\":1594,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"articleSection\":[\"Credit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/credit-card-from-a-different-bank\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/credit-cards\\\/credit-card-from-a-different-bank\",\"name\":\"Can I Get a Credit Card From Another Bank? | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\"},\"datePublished\":\"2018-12-17T00:55:59+00:00\",\"dateModified\":\"2024-03-15T14:00:54+00:00\",\"description\":\"Yes, you can get a credit card from a different bank. 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