How to Make Money Online Without a Credit Card

By Editorial Team

Updated September 15, 2017

With all the hype about making money online, you want to get your share too. The big question is how do I make money online without a credit card?

You need a credit card to buy the necessities to build your online business. You will also need to accept credit cards from customers, if you want to make money online.

Fortunately, it is possible to achieve online money making success without using credit cards at all. There are simple alternatives that you can use instead.

Read the guide below to find out how you can make money online without a credit card.

Learn all you can about online marketing for free

The first step to making money online without a credit card is to simply learn how to earn money online. While you might think that not having a credit card is a disadvantage, that is actually not true. There are so many free sources online to learn about internet marketing that you do not have to purchase anything in order to learn all you need to know. In fact, those that have credit cards sometimes waste tens, if not hundreds, of dollars buying products that teach you what you can learn for free online.

Get yourself a debit card

If you do not have one already, you will want to get yourself a debit card (also known as a bank card or check card). These look like credit cards, but they are not credit cards as they take money directly out of your bank account.

Many websites online will accept payment by debit card - so you can use these to make money online, even if you don't have an actual credit card.

Sign up for PayPal

Next, you will want to get yourself a PayPal account. With a PayPal account, you can both pay for expenses online and receive payments online. You do not need a credit card to get a PayPal account, but you will need a bank account.

Sign up for free websites

Next, you will want to create at least one free website for yourself. A website is a basic component to make money online, with or without a credit card. You don't need a fancy website - even a simple blog can bring in some money online.

You can sign up for a free website. There are various website hosts that do not charge for hosting. Search for "free website hosting".

You can also sign up for a free blog account. Popular free blog accounts include and Blogger.

Again, since these sites are free, you avoid using your credit card.

Pay for web hosting using bank transfer or debit card

Free website and blog hosting is good for beginners, but usually have limitations. If you are very serious about making money online you can buy yourself a domain name and get low cost website hosting without using a credit card. There are many website hosts that will let you pay either by PayPal (see step 3) or by direct bank transfer. Just do a search and you will find many.

Sign up for affiliate programs

One very common way to make money online is through affiliate marketing. You simply sign up as an affiliate, insert special code on your website and make money whenever a user clicks on your link and makes a purchase. (Some affiliate programs pay you per click or lead instead of per sale.) Lucky for you, many, if not most, affiliate programs, allow you to get paid without a credit card. Some affiliate programs will deposit money in your PayPal account and some have an option to pay you by check.

Note: Before signing up for an affiliate program, read through their payment information carefully to make sure you can will pay you without a credit card or merchant account.

Advertise your website through Adwords without a credit card

One of the best ways to advertise your website is through Google Adwords. Again, you are not limited to paying for Google Adwords with your credit card. Depending on your country, you can pay by direct bank transfer.

Make money through Google Adsense without a credit card

Google Adsense is another great way to make money online. Again, you do not need to accept credit cards in order to get paid through Adsense. Payment methods you can choose include U.S. dollar checks and electronic funds tranfsfer. See resources below for details on Google Adsense payment options.

Sell products online through Paypal

You can sell your own products online and get paid through PayPal. You do not need a credit card or merchant account to sell products through PayPal online.

Allow for alternate methods of payment for your products or services

Some customers are scared to pay by credit card online. They might be weary to pay by PayPal as well. This can be especially true if you are selling expensive products or selling to an audience that is not used to buying online. In these cases you should allow alternate methods of payment such as transferring money directly into your bank account and/or paying you using a personal or business check.


This article is specifically dealing with how to make money online without using credit cards. For details on money method techniques described above, refer to other online marketing articles.