Best Credit Card in Germany

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

Last update: 21 July 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
  • Apple Pay & Google Pay
Hanseatic Bank GenialCard VISA
0 €per month
  • No monthly or annual fees
  • No foreign currency fee
  • Cash withdrawals free of charge
  • Apple Pay
Barclaycard Visa
0 €per month
  • No monthly or annual fees
  • No foreign currency fee
  • Cash withdrawals free of charge
  • Apple Pay & Google Pay
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 Cash withdrawals are free of charge, however interest rates apply from the day on you have withdrawn cash (1.49% per month).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)
   Apple Pay & Google Pay supported

   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!


Barclaycard Visa

The Barclaycard Visa is probably one of the most popular credit cards on the German market. Why? Here are the reasons: It comes completely free of charge and there are no foreign transaction fees (e.g. if you pay in US Dollar or British Pound). Another big advantage is that cash withdrawals are free of charge worldwide. You do not need to worry about transferring money to your credit card account to balance out your monthly bill as you can opt for an automatic deduction from your bank account. And to round it up the Barclaycard supports both Apple Pay and Google Pay.

  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 worldwide
  Credit card supports contactless payments and Apple Pay & Google Pay
   Automatic deduction of monthly bill from bank account

[SPECIAL DEAL] Currently you get a 50 EUR bonus for ordering a Barclaycard Visa

Get your free Barclaycard Visa!


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.

12 Comments. Leave new

  • Hey Dominik,

    Thank you for the informative post. I am being indecisive between the Barclaycard and Genialcard. Which one would you recommend? Also I know Genialcard let’s you transfer money to your current account, does Barclaycard let you do that? Also are there are any charges for the transfer?

    Reply
    • Dear Tariq,
      both GenialCard and Barclaycard are great options when you are looking for a credit card in Germany.
      With the Barclaycard you can also transfer money to your bank account (up to 90% of your credit card limit). The cost is 7.50 EUR/transfer.
      The GenialCard offers this service free of charge if you do it via the online banking (via phone they charge a fee of 3.95 EUR).
      So if this is an important criterion for your I would recommend the GenialCard.

      Best Regards,
      Dominik

      Reply
  • What’s your view on Amazon’s credit card, I think it’s an extremely good option considering the fact that you receive at least 0.5% cashback. Granted there’s an annual fees but that can be waived off if you are a prime member.

    Reply
    • Hello,
      the Amazon credit card is definitely a good choice if you are shopping regularly on Amazon and if you are already an Amazon Prime member. In that case there’s no annual fee. If you are not a Prime member, the annual fee is 20 EUR.
      Other drawbacks of the Amazon credit cards are the 1.75% foreign currency fee (e.g. if you pay in dollars) and cash withdrawals are also not for free (min. 7.50 EUR in Germany and 5 EUR abroad).

      Best Regards,
      Dominik

      Reply
  • So does it means if I use Hanseatic Bank GenialCard VISA Card I will have no monthly or annual fee. Only additional cost will be applicable if I delay the payment against any bill?

    Reply
    • Dear Ahmad,
      that’s correct. No monthly/annual fees and no foreign transaction fees or fees for withdrawing cash.
      If you pay your monthly bill only partially, the interest rate is 12.82 % per year.

      Best Regards,
      Dominik

      Reply
  • How many credit cards a person can hold in Germany…
    Thank you

    Reply
    • Dear Mehedi,
      there is no limit. Each bank decides on their own if they accept you as a customer or not. And as long as you have a good Schufa score and have proven that you’ve met your financial obligations you shouldn’t have problems applying for multiple credit cards.

      Best Regards,
      Dominik

      Reply
  • 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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