Credit Card Comparison
Find the best credit card without annual fee
At a Glance
Last updated: January 2026Key Facts
- - Many cards are permanently free with no annual fee
- - VISA and Mastercard accepted worldwide
- - Maximum 50 USD liability for unauthorized use
- - Application takes only 5-10 minutes online
Benefits
- - Contactless payment with NFC, Apple Pay, Google Pay
- - Rewards programs with cashback and miles
- - Purchase protection and travel insurance
- - Compare 50+ cards to find your perfect match
Credit Card Comparison
Find the perfect credit card for your needs
Benefits of Credit Cards
Discover the diverse benefits of modern credit cards
No Annual Fee
Many credit cards are permanently free and still offer comprehensive services and protection.
Worldwide Acceptance
Pay with VISA or Mastercard worldwide at millions of stores and online.
Purchase Protection
Comprehensive protection for online purchases and insurance services.
Rewards Programs
Collect points, cashback, or miles with every purchase.
Contactless Payment
Pay quickly and securely with NFC, Apple Pay, or Google Pay.
Flexible Credit Limit
Individual credit limit for financial flexibility.
Frequently Asked Questions
Everything you should know about credit cards
Which credit card is best for me?
The best credit card depends on your individual needs. For beginners, free standard credit cards are suitable, frequent travelers benefit from travel credit cards without foreign transaction fees.
Is a credit card without annual fee really free?
Yes, many credit cards are permanently free when used for regular purchases and the balance is paid on time.
How secure is paying with a credit card?
Credit cards offer high security through modern encryption, purchase protection, and liability limitation. For unauthorized transactions, you are liable for a maximum of $50.
How long does credit card application take?
Online application usually takes only 5-10 minutes. After successful verification (1-3 business days), you receive your credit card by mail.
Find Your Perfect Credit Card
Compare over 50 credit cards for free and apply online in just a few minutes
CheckAlle.de is an independent comparison platform and partner of credit card providers.
Credit card offers are provided by partner banks. Our service is completely free.