Discover the best free credit cards that offer you fee-free payments and attractive additional services! Whether for travel, online shopping or everyday life, the right card can help you save money. Compare the top offers now and find the ideal credit card for your needs!
A credit card is almost essential these days, whether for online purchases, travel or emergencies. But which free credit cards are the best, and what should you consider when choosing?
Why do you need a credit card?
Nowadays a credit card can offer many advantages. Whether you are traveling abroad, want to book a trip or a hotel, want to make large purchases or shop online – the credit card offers a flexible and secure payment method:
- Convenient payments: Credit cards are accepted worldwide and enable quick and easy transactions.
- Online shopping: Many online retailers only accept credit cards.
- Security features: Credit cards offer multiple layers of security, such as fraud protection and the ability to quickly cancel the card if lost or stolen.
- Travel benefits: Free cash withdrawals abroad, travel insurance and bonus programs are often included.
The currently best free credit cards at a glance
There are numerous free credit cards on the market, but not all of them are equally suitable for everyone. Here are some of the best free credit cards and their benefits:
Mastercard Gold der TF Bank*
Advantages: No annual fee, pay worldwide free of charge, interest-free purchases for up to 51 days, free travel insurance, cashback program, travel discounts, mobile payment
Disadvantages: Sales from cash withdrawals and transfers bear interest from the booking date, high interest rate of 24.79% effective interest per annum when using the partial payment option, payment of the credit card statement only by bank transfer
Apply for a free Mastercard Gold credit card from TF Bank here*
Payback American Express*
Advantages: No annual fee, Get up to 3,000 Payback points and a 20 euro bonus voucher to start with, Collect Payback points with almost every payment, Extended exchange policy, Exclusive offers with Amex Offers, Mobile payment
Disadvantages: 4%, at least 5 euro fee for cash withdrawals, 2% foreign currency fee
Apply for free Payback American Express here*
Amazon Visa credit card*
Advantages: No annual fee, collect Amazon points, 10 euro starting credit, optional travel package can be booked
Disadvantages: No mobile payment, 3.9% fees (at least 1.50 euros) for cash withdrawals and payments, 5.4% fees (at least 1.50 euros) for cash withdrawals and payments in foreign currencies, high interest rates of 20%
Apply for a free Amazon Visa here*
Santander BestCard Basic*
Advantages: No annual fee, withdraw cash 4 times per month free of charge worldwide, pay free of charge worldwide, 1% fuel discount worldwide, cashback travel program, mobile payment
Disadvantages: High interest rate of 19.16% when using the installment payment option, 1.50% fee when using the card outside the Eurozone, no insurance services included
Apply for a free Santander BestCard Basic here*
American Express Blue Card*
Advantages: No annual fee, up to 25 euros starting bonus, free transport accident insurance, exclusive events & tickets, exclusive offers with Amex Offers, travel discounts, mobile payment
Disadvantages: 4%, at least 5 euro fee for cash withdrawals, 2% foreign currency fee
Apply for a free American Express Blue Card here*
What should you pay attention to when choosing?
When choosing a credit card, you should especially check the fee structure and possible hidden costs such as high fees for cash withdrawals or foreign currency transactions. Payment conditions such as flexible repayments sound great at first, but they often come with high interest rates on free credit cards. Bonus programs such as cashback or travel insurance offer additional benefits that should suit your needs. Finally, security features such as fraud protection, card blocking via app and real-time notifications play a crucial role in protecting against misuse.
Important tips for dealing with credit cards
You should use your credit card wisely and avoid excessive debt. It is important to stick to the repayment deadlines to avoid high interest costs. It is also advisable to monitor transactions regularly in order to identify possible misuse at an early stage.
Conclusion
A credit card can offer many advantages, from convenience when paying to various bonus programs. However, when choosing a free credit card, you should carefully examine the fee structure, payment terms, additional benefits and security features. The credit cards mentioned above are among the top free credit cards – they offer a good combination of low costs and useful features for everyday life. We particularly recommend the Mastercard Gold from TF Bank*.
By the way: You can also find the currently best free credit cards in our credit card comparison. Feel free to compare this offer with other providers.
*This is what the asterisk means: Our news is objectively researched and independently created. To ensure that our information is available free of charge, clicks on links are sometimes compensated. We mark these so-called affiliate links with an asterisk. finanzen.net GmbH receives money, but never the author individually, when readers click on such a link or conclude a contract with the provider. Whether finanzen.net GmbH receives compensation and to what extent has no influence on the product recommendations.
This text is for informational purposes only and does not constitute an investment recommendation. finanzen.net GmbH excludes any claims for recourse. Authors, publishers and the sources cited are not liable for any losses resulting from the purchase or sale of the securities or financial products mentioned in the articles.
