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We found 17 credit cards with free credit cards benefits for you

Looking for the best credit cards in France? With banqo.fr you can compare the best credit card deals and benefits.

Free credit cards

In general you associate a credit card with a costly product. You do this because you expect that the card which gives you access to many benefits cannot be free. Well, there is good news, currently you can find on the market many credit cards with 0 opening costs.

What is this type of credit card about?

Banks look to attract new customers by offering them the best deals. If you are one of the persons who want to benefit of a free product but still enjoy several benefits of the credit card, the 0 cost credit card is meant for you. Yet, you need to pay attention, as 0 cost does not mean that you won't have to pay for anything. This kind of card, although coming with 0 opening cost, may come with a higher interest on the credit you'll use, a smaller number of instalments, or a smaller grace period.

What are the benefits and disadvantages?

Surprisingly, such cards may offer you access to a fair amount of benefits. For instance you may be able to pay in instalments, you may have access to discount when paying with merchants, or even to accumulate fidelity bonus on the card. Yet importantly, you may also benefit of warrantee extension or of guarantees for the on-line purchases. This type of card may be a good fit for people with limited resources, such as students, or people in their early career. More generally, it serves very well the needs of people who do not want to pay for getting a credit card, but are willing to pay a higher price for services used down the road and are disciplined enough to pay the credit in time.

The benefits

Our advice

If you are a disciplined person, who pays his debts in time, this type of card is for you, as you will enjoy a very resourceful product. However, if you pay late your credit, you need to know that you will pay a higher interest on the credit used or on the associated products, such as the instalments.

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Check the list of available credit cards!

Fortuneo MasterCard Gold

    Apply now
    on Fortuneo's secure website

    Costs:

    0 euros/year

    Benefits:

    • Cash reserve
    • Insurance
    • Discounts
    • Free credit cards
    • Assistance insurance with a dedicated personal space in order to be able to access your personal information, your certificates and guarantees, your claims and the follow-up of your claims in just a few clicks.
    • No fees on payments and withdrawals from credit card anywhere in the world.
    • You have access to PriceLess Paris: a program that offers you premium deals and experiences for your daily life or during your trips to Pari
    • Gold CB MasterCard privilege offers: preferential conditions for your leisure activities (travel, vehicle rental, shows, wines and flowers, etc.) and up to 30% of your purchases reimbursed by shopping on the CB MasterCard Shopping Mall

    Fortuneo MasterCard FOSFO

      Apply now
      on Fortuneo's secure website

      Costs:

      0 euros/year

      Benefits:

      • Cash reserve
      • Insurance
      • Discounts
      • Free credit cards
      • Benefit from insurance and assistance: medical assistance and repatriation, hospitalization, legal assistance abroad
      • No fees on payments and withdrawals anywhere in the world
      • No minimum income conditions: the FOSFO card is open to everyone
      • No account maintenance fees
      • Add and view the accounts of your other banks in the Fortuneo app using account aggregation

      Zero MasterCard Gold

        Apply now
        on ZERO's secure website

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Pay back in installments
        • Free credit cards
        • Cash reserve
        • A free Gold Mastercardsans card
        • Free credit up to 6 weeks, for payment of all of your purchases upon receipt of your statement
        • No need to change banks
        • Travel accident insurance
        • Trip cancellation insurance
        • Theft and damage insurance for rental cars
        • Medical assistance and repatriation
        • Coverage of medical costs and hospitalization abroad
        • Legal assistance abroad
        • Replacement driver
        • Assistance for injuries related to winter sports

        Boursorama Banque VISA Classic

        Costs:

        0 euros/year

        Benefits:

        • Free withdrawal
        • Free credit cards
        • Visa Classic is free
        • Free opening, holding and closing of your account
        • Free online transfers and withdrawal at ATMs (in the euro zone)
        • Free payments by Credit Card abroad
        • Free home checkbook delivery
        • Access to your accounts, even those held in other banks
        • Personalization of real-time notifications of transactions on your account.
        • Help organize and store your important invoices and documents in your virtual safe
        • Online check functionality
        • Online access to invoices

        Cetelem Mastercard Cpay

        Costs:

        0 euros/year

        Benefits:

        • Best deals
        • Pay back in installments
        • Discounts
        • Free credit cards
        • The Cpay Mastercard is linked to a revolving credit
        • You are free to pay cash, on credit in installments, on credit by choosing a monthly repayment
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on races at Franprix, 10% reduction on tutoring, 50% reduction on the purchase of the 2nd tire, 3% reduction in dry 5, 20% reduction with no minimum purchase on the Ready to Grow site, etc.)
        • You take advantage of reimbursement offers from retailers selected for you by purchasing with your Cpay credit card
        • From € 10 cumulative reimbursement, request payment into your bank account

        Cetelem MasterCard Maisons du Monde

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • The Cetelem savings account must be previously opened in accordance with the general conditions of the account.
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Habitat

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard E. Leclerc

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • By using the RÉGLO finance Cpay Mastercard to pay for your E.Leclerc tickets are automatically accumulated: you save time at the cash desk by presenting only one card!
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Mr. Bricolage

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Fidelity bonus
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can on credit or cash in accordance with the law, within the limit of your available amount
        • Each euro spent with the Mr Bricolage Cpay Mastercard allows you to earn 1 point. 300 points = 10 € in loyalty check
        • You also benefit from exceptional discounts several times a year
        • You benefit from reduced prices on a selection of products offered in our catalogs
        • A 10% discount is also offered for your birthday
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Ford

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • Throughout the year, you can benefit from discount vouchers that can be used in your Ford dealership: following your subscription with the welcome offer: € 30 free from purchases of € 300 paid with your credit card
        • On the anniversary of your card, receive 5% of the amount of your purchases in your Ford dealership from 300 € of purchases paid with your credit card over the last 11 months
        • You get a permanent discount of -10% on accessories paid for with your credit card
        • The initial visit to your Technical Inspection is free of charge if you make the first 4 annual inspections of your Ford car in the Ford dealership network
        • If your insurer applies a franchise (in the event of a windshield or optical elements to be repaired or replaced), it will be covered by your Ford dealer or agent (up to € 80)
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Midas

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Opel

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • Throughout the year, you can benefit from discount vouchers that can be used in your Opel dealership: following your subscription with the welcome offer: € 30 free from purchases of € 300 paid with your credit card
        • On the anniversary of your card, receive 5% of the amount of your purchases in your Opel dealership from € 300 of purchases paid with your credit card over the last 11 months
        • You benefit from a permanent 10% discount on accessories and complete wheel paid with your credit card
        • You benefit from a 10% discount on your OPEL RENT rentals each time you use the OPEL RENT services
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Autobacs

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        Cetelem MasterCard Exclusiv Motor

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Best deals
        • Pay back in installments
        • Purchase protection
        • Warranty
        • Discounts
        • Free credit cards
        • You can pay on credit or cash in accordance with the law, within the limit of your available amount
        • You benefit from the online delivery guarantee: the new good purchased on the Internet, with a value between € 50 and € 1,500 including VAT, will be refunded in the event of non-delivery or non-compliant delivery
        • You benefit from Individual Travel Accident insurance by being covered in the event of death or permanent disability resulting from an accident on public transport or a rental vehicle
        • With Medical Assistance and Repatriation, you are supported worldwide for all your private trips
        • You can take advantage of offers negotiated for you all year round, valid in store or on the Internet , and you use your coupons directly from your smartphone! (3% refund on purchases at Franprix, 10% reduction on school support material, 50% reduction on the purchase of the 2nd tire, 3% reduction in 5 à sec, 20% reduction without minimum purchase on the Prêt à Pousser site, etc.)

        ING MasterCard Basic

        Costs:

        0 euros/year

        Benefits:

        • Free withdrawal
        • Free credit cards
        • A purchase limit of € 2,000 (over 30 rolling days)
        • 5 free withdrawals per month, € 1 per additional withdrawal
        • Immediate debit

        Orange VISA

        Costs:

        0 euros/year

        Benefits:

        • Insurance
        • Free withdrawal
        • Free credit cards
        • Payment ceilings and withdrawals up to 100% of declared income
        • Free euro withdrawal in the euro zone
        • Benefit from a range of basic travel insurance
        • Repatriation assistance up to € 11,000

        Société Générale Service Éclair Cirrus

        Costs:

        0 euros/year

        Benefits:

        • Free withdrawal
        • Free credit cards
        • With Société Générale's Service Éclair Cirrus CB card, you and your family are assisted in the event of an accident, illness or if you are the subject of legal proceedings
        • Take advantage of free withdrawals in the Eurozone from Société Générale and Crédit du Nord ATMs
        • Exclusively immediate debit

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