How To Get A Credit Card For Free

By David

If you have been considering getting a credit card, you may have been so overwhelmed by all the information that is out there to even know where to begin. In order to help you figure out how to get a credit card for free we’ll give you a few tips about things to watch out for and walk you through the typical application process.

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Things to watch out for

Once you’re ready to start applying for credit cards you’ll want to remember a couple things to make sure that you get a credit card for free.

1)      Prepaid Cards – prepaid credit cards work on a different principle than a traditional credit card. Typically with this type of card, you’ll add money and then spend it, making it more like a gift card than a credit card. As this type of card costs money up front you will want to choose an option for another type of card.

2)      Balance Transfers – If you need to do a balance transfer when signing up for your new credit card, you will want to be sure this transfer does not have any associated fees. If it does, your application may end up costing you those fees upfront. In this case try to find an offer that does not include these associated fees.

3)      Annual Fees – While an annual fee will cost you nothing up front, it will charge you once you have had your card for a year. This is basically a charge just for having the card and will show up each year, whether you use the card or not. Do your best to avoid offers that include these fees.

Click here to get a credit card for free. Multiple offers, free comparison tools, rewards, and more.

The application process

Once you’ve identified an offer that looks promising you can get a credit card for free by applying and awaiting a response. Start by going to the webpage with the offer and clicking “apply”

1)      General Information – The first thing that will come up is a page for you to enter your information, such as name, address, age, and tax id information. Fill these fields out and continue to the next page.

2)      Employment Information – This field will ask about what you do for a living and what your average total annual income is. If you are living with others who are also working, you can add their income to this total. Enter the information in the appropriate places and move to the next page.

3)      Options – This page will typically ask a few questions about how you intend to use the card if approved and give you a couple options to choose from (such as paperless billing or express card delivery). Choose what you’d like (but avoid things with fees) and go to the last page.

4)      Terms and Conditions – This will present the terms and conditions for your approval. Look through them and click the check box acknowledging you agree.

Once you have done this you simply click “submit” to send them your application and then wait for their response.

Click here to get a credit card for free. Multiple offers, free comparison tools, rewards, and more.