yes, there are many ways to make money without spending money from your credit card,
method 1 is doing online jobs:
there are a lot of online jobs like network marketing, and PTC and data entry which do not require an initial fee, and allow you to do jobs and make money..... one of these sites is microjob.co . i dont know of many data entry sites so cant assist there but there surely are....for PTC try neobux.com
Method 2 is doing business:
one good way to do is make a blog on google blogspot, then put some interesting posts to attract users, perform proper SEO, and then apply for google adsense or adbrite, they will give you some ads to put on your blog. put them up on your blog and whenever someone clicks on them you get a certain amount, and by the end of the month they send you a check(of all the money you have earned)...
All these methods are free of cost even making a blog is free..... example of google blog is
i hope this answer was helpful....bye