It doesn’t need to be a credit card. It can be a Visa/Mastercard Debit card, which are super common these days, in fact, my bank issues them by default. They’re tied to your bank account and can be used like a credit card, but don’t put you in debt.
You could also get a prepaid Visa gift card that acts just like a credit card, but has a set amount, and isn’t tied to any accounts.