Best Credit Card in Germany

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Find the best credit card in Germany – Best Credit Card Germany Comparison

Last update: 1 March 2020

After presenting the best German bank accounts to you, it’s now time for the credit cards! As you might have noticed, some of the bank accounts from our previous blog post come with a debit and credit card. However in some cases you need to use the bank account actively (e.g. as your account for your monthly salary payments) in order to be able to use all features of the credit cards, such as free of charge cash withdrawals or no monthly fees. That’s why we’re presenting to you in this post the best credit cards in Germany that can be used independently from your bank account. See below for a comparison of the best credit card in Germany.

As always: If you have problems with the application process or questions, please feel free to send us a message via the contact form. We will help you!

At a glance – Best Credit Card Germany Overview

Gebührenfrei Mastercard Gold
0 €per month
  • No monthly or annual fees
  • No foreign currency fee
  • Mastercard Gold
Hanseatic Bank GenialCard VISA
0 €per month
  • No monthly or annual fees
  • No foreign currency fee
  • Cash withdrawals free of charge
Santander 1 Plus Visa Card
0 €per month
  • No monthly or annual fees
  • No foreign currency fee
  • Cash withdrawals free of charge
Looking for a bank account in Germany?

Check out our comparison of the best German bank accounts

Best Credit Card Germany – Detailed Overview

Gebührenfrei Mastercard Gold

best credit card germany gebuhrenfreiThe Gebührenfrei Mastercard Gold is the perfect credit card if you’re looking for a card that doesn’t cost you a penny but comes with a lot of nice features. There are no monthly or annual fees and no foreign currency fees for non-Euro payments. Cash withdrawals are free of charge, however interest rates apply from the day on you have withdrawn cash (1.49% per month). But if you are using the Gebührenfrei Mastercard Gold mainly for paying and not for cash withdrawals this card is a good choice. Another drawback is the fact that you will have to pay your monthly credit card bill manually, i.e. there’s no automatic deduction of from your bank account.

   Completely free of charge – no monthly or annual fees
   No foreign transaction fees – pay in any currency without paying fees
   Easy application process (no PostIdent required)

   Interests apply for cash withdrawals (1.49% per month)
   No automatic deduction of monthly bill from bank account

Get your Gebührenfrei Mastercard Gold!


Hanseatic Bank GenialCard VISA Card

hanseatic genialcard visa card bonus free of chargehanseatic visa best german credit card focus moneyAs described in the article about the Hanseatic Bank GenialCard VISA Card, this credit card is currently one of the best cards on the German market. It’s so good that it has been rated as the best German credit card recently by the German magazine “FOCUS Money”! There are no monthly or annual fees, cash withdrawals are free of charge and foreign exchange fees don’t apply. Furthermore your monthly credit card bill gets deducted from your bank account automatically, so you don’t have to worry about manual bank transfers each month. The GenialCard comes with a contactless payment function and Apple Pay is also supported. Definitely one of the best choices when you’re looking for a German credit card!

   Completely free of charge – no monthly or annual fees
   No foreign transaction fees – pay in any currency without paying exchange fees
   Cash withdrawals free of charge
   Automatic deduction of monthly bill from bank account
   Contactless payment & Apple Pay supported

Get your free GenialCard credit card!


Santander 1 Plus Visa Card

best credit card germany santander

As described in the article about the Santander 1 Plus Visa Card, this is the perfect card for travelling. There are no monthly or annual fees, cash withdrawals are free of charge and even ATM-fees are refunded by Santander Bank. In addition you get a 1% discount on fuel. Definitely a good choice if you are looking for a credit card in Germany!

 

   Completely free of charge – no monthly or annual fees
   No foreign transaction fees – pay in any currency without paying fees
   Cash withdrawal free of charge – even ATM fees are refunded!
   1% discount on fuel (for up to 400€/month spent on fuel)
   No automatic deduction of monthly bill from bank account

[NEW] For a step-by-step manual on how to order your Santander credit card click here

Get your free Santander credit card!


Best Credit Card Germany Comparison

So now it’s up to you… Get the best credit card in Germany! If you have problems applying for a credit card or if you simply have questions, please send us a message via the contact form. We will help you!

 


Disclaimer: This post contains affiliate links, meaning I earn a commission if you use those links.

4 Comments. Leave new

  • How do I find out about the interest rate?, credit cards don’t seem to advertise that.
    Is there any credit card that offer zero or low interest rate for balance transfer from another credit card?

    Reply
    • Hello,
      this is due to the fact that the most common credit card type in Germany is the so-called “charge credit card”. This means that your monthly credit card bill is usually automatically deducted/charged from your bank account on a monthly basis. Therefore interest rates would only apply if you decide not to pay your monthly credit card bill.
      However banks are obliged to advertise the interest rate (“Sollzinssatz” = borrowing rate & “eff. Jahreszins” = annual percentage rate) and they are usually somewhere between 10% – 20%.

      The Hanseatic GenialCard offers the possibility to transfer money to your bank account that you could then use to balance out another credit card. The interest rate for this credit card is currently at 13.60% (annual percentage rate).

      Hope this helps!

      Best Regards,
      Dominik

      Reply
  • How can i stop my master card if I don’t need it again

    Reply
    • Hi Peter,
      the easiest way to cancel your credit card contract is to send an email to the credit card provider.

      Best Regards,
      Dominik

      Reply

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