When you apply for a credit card, you usually need a reference bank account to which the card will be linked. The same applies to free credit cards: some can only be obtained if you simultaneously open a bank account with their provider. Other cards can be linked to any bank account. There is no general answer to whether a credit card with or without an account is better. Many banks offer high-performance credit cards for their accounts, which can be either a chargeable or a free credit card. If you want to open your bank account with that bank anyway, you will also receive the card. However, you are bound by the provider’s terms and conditions. Even with a free credit card not tied to a specific bank account, you can choose the terms and services of the card entirely according to your needs. From our perspective, a second credit card without an account tie-in can, therefore, be useful.