There are free ones. Fujian Rural Credit Cooperative is jointly launching a credit card with JD.COM, namely Fujian Rural Credit Cooperative JD.COM Co-branded Card. Citizens who successfully apply for this card can enjoy multiple benefits. Co-branded card, as its name implies, is a bank card jointly issued by commercial banks and profit-making institutions. In addition to all the functions of the credit card itself, the card will also get additional functions according to the different cooperation institutions.