How do I get a credit card for free?

You can get a credit card for free by choosing a card without annual fees, monthly fees, or one-time fees charged before account opening. For your credit card to stay free, you’ll need to pay the bill in full by the due date every month to avoid interest charges. Some cards also offer 0% APR introductory periods, which allow you to carry a balance from month to month without accruing interest until that period ends.

Popular Credit Cards You Can Get for Free in 2025

Watch Out for Interest Charges

It’s worth noting that if you have a “free” credit card, it may still cost you if you carry a balance to the next billing period. If you pay off your balance within the credit card’s grace period, interest charges do not apply. But if you don’t pay your balance in full every month, you will lose the grace period and you’ll owe interest on the balance, unless your card has an introductory 0% APR offer. Without the grace period, interest charges accumulate daily until the balance is paid in full.

Also, if you’re late in paying at least the minimum amount due, you may be charged a late fee and possibly a penalty APR.

Options for All Credit Levels 

No-fee credit cards are available to people of all credit levels. Checking your credit score before you apply can help you determine which cards are realistic to consider. Credit cards with fees often offer perks and rewards that can save consumers money overall, but if you’re looking to avoid fixed costs, you can compare free credit cards to find the best fit.