Cartes de crédit BNP Paribas Visa Classic FR BNP Paribas Visa Classic FR
€0 /mo
Compare Credit Cards in France
Live offers across tracked providers in France — updated daily from the Giraffy database.
Live offers
16 live offers compared from 16 providers, from €0 /mo. Updated daily.
Boursobank Visa Classic FR BoursoBank
€0 EUR/an
- Frais annuels: 0 EUR/an
- Récompenses: 1 % de remise sur certains achats
- Avantage clé: Carte virtuelle gratuite + notifications instantanées
Carte PASS Carrefour FR Carrefour Banque
€0 EUR/an
- Frais annuels: 0 EUR/an
- Récompenses: Points en magasin
- Avantage clé: Paiement différé + financement en magasin
Boursorama Carte FR Cartes de crédit Boursorama Carte FR
€0 /mo
Cartes de crédit CIC Carte FR CIC Carte FR
€0 /mo
Cartes de crédit Crédit Agricole FR Credit Agricole Carte FR
€0 /mo
Cartes de crédit Fortuneo Carte FR Fortuneo Carte FR
€0 /mo
Cartes de crédit Hello Bank FR Hello Bank FR Carte
€0 /mo
Cartes de crédit LCL Visa FR LCL Visa FR
€0 /mo
Cartes de crédit La Banque Postale Carte La Banque Postale Carte
€0 /mo
Monabanq Carte FR Cartes de crédit Monabanq Carte FR
€0 /mo
Cartes de crédit Société Générale Visa FR Societe Generale Visa FR
€0 /mo
Visa SG Premier FR Société Générale
€128 EUR/an
- Frais annuels: 128 EUR/an
- Récompenses: Programme de points
- Avantage clé: Assurance voyage incluse
Visa Premier FR de BNP Paribas BNP Paribas
€129 EUR/an
- Frais annuels: 129 EUR/an
- Récompenses: Programme de points bonus
- Avantage clé: Assurance voyage + conciergerie
American Express Gold FR American Express
€180 EUR/an
- Frais annuels: 180 EUR/an
- Récompenses: 1 point de récompense d'adhésion
- Avantage clé: Accès au salon + assurance voyage
Bonjour banque ! Visa Infinite FR Hello bank!
€200 EUR/an
- Frais annuels: 200 EUR/an
- Récompenses: Remboursement sur les articles de style de vie
- Avantage clé: Assurance voyage premium + conciergerie
What are credit cards in France?
Card usage in France centres on the carte bancaire (CB), and most everyday cards are debit or deferred-debit (débit différé) rather than true revolving credit. A carte à débit différé groups a month's spending into a single end-of-month debit, while genuine credit cards link to a crédit renouvelable. Cards come in tiers — Visa Classic, Mastercard, and premium Visa Premier or Gold — with rising insurance, assistance and spending limits.
How the French market works
High-street banks issue the vast majority of cards: BNP Paribas (including its Hello bank! digital brand), Société Générale, and online bank BoursoBank, which is known for low-fee or free cards. Retailer and specialist issuers such as Carrefour Banque offer store-linked cards, and American Express operates its own network with rewards-focused products. Cards run on the domestic CB network co-badged with Visa or Mastercard, so they are accepted both in France and abroad. Unlike the Anglo-Saxon model of revolving balances, French consumers generally settle in full, which keeps household card debt low; where credit is used, it is a clearly separate crédit renouvelable governed by its own rules. Premium tiers such as Visa Premier, Gold Mastercard and the top-end World and Infinite cards layer on higher payment ceilings, concierge services and travel insurance in exchange for a larger annual fee or income condition.
Benefits
Deferred debit — Débit différé smooths cash flow by settling once a month without paying interest.
Travel and insurance perks — Premium cards bundle travel insurance, purchase protection and assistance.
Fee-free options — Online banks offer cards with no annual fee subject to modest usage conditions.
How to choose
Decide between débit immédiat, débit différé and true credit, then compare the annual fee against the perks you will actually use. Check foreign-transaction and ATM fees if you travel, the insurance and assistance ceilings on premium tiers, and any minimum income or usage conditions. For revolving credit cards, scrutinise the TAEG before ever carrying a balance.
Leading providers in France
BNP Paribas (and Hello bank!) and Société Générale are major traditional issuers; BoursoBank leads on low-cost and free cards. American Express focuses on rewards and premium benefits, and Carrefour Banque offers retail-linked cards with in-store advantages.
What it costs
Annual card fees range from €0 on free online-bank cards to around €200 for premium metal or Gold products, as reflected in this comparison. Deferred-debit and debit cards charge no interest; only the revolving-credit element carries a TAEG. Foreign-exchange and out-of-network ATM fees can add up for frequent travellers. Online banks often waive the annual fee if you make a minimum number of monthly transactions or hold a qualifying account, so the effective cost can be zero for an active user. When comparing, weigh the fee against benefits you will genuinely use: the travel insurance and higher ceilings of a Gold or Premier card only pay off if you travel or spend enough to draw on them, otherwise a free or entry-level card is the cheaper choice.
Protections and regulation
Card issuers are supervised by the ACPR, and revolving credit falls under Code de la consommation rules. Strong Customer Authentication under the PSD2 (DSP2) directive protects online payments, and cardholders are protected against unauthorised transactions. Any revolving credit is capped by the taux d'usure. Card networks add chargeback rights for disputed or undelivered purchases.
Common questions
Are French cards really credit cards? — Most are debit or deferred-debit; true revolving credit is a separate, optional feature.
Is débit différé free? — It typically costs no interest; you simply pay the month's total on a set date.
Do I need a premium card? — Only if you value the bundled travel insurance and higher limits enough to justify the annual fee.
The cheapest Credit Cards in France is €0 /mo from BNP Paribas Visa Classic FR.
Credit Cards in France — FAQ
What credit score do I need to get approved for a credit card in France?
Minimum score requirements vary by card and issuer. In France, scores are reported by your national credit bureau. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Which credit card in France has no foreign transaction fee?
Giraffy tracks 5 credit cards across BNP Paribas Visa Classic FR,BoursoBank,Carrefour Banque,Boursorama Carte FR,CIC Carte FR banks in France. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
How do balance transfers work, and are they worth it?
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
What is a rewards or cashback credit card?
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Can I get a credit card with no annual fee?
Yes — several cards tracked by Giraffy in France charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
How does credit card interest work?
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
What is the difference between a credit limit and an available balance?
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.