Best Credit Card in Germany

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

best credit cards germany

Last update: 26 June 2021

After presenting the best German bank accounts to you, it’s now time for the best credit card in Germany! As you might have noticed, some of the bank accounts from the overview 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
Barclaycard Visa
0 €per month
  • No monthly or annual fees
  • No foreign transaction fee
  • Cash withdrawals free of charge
  • Apple Pay & Google Pay
  • 50 EUR bonus
awa7 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 the best credit card in Germany 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 Cash withdrawals are free of charge, however interest rates apply from the day on you have withdrawn cash (1.49% per month).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 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!


Barclaycard Visa

free credit card barclay visa cardThe 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!


awa7 Visa

awa7 visa credit cardThe awa7 Visa is a German credit card that comes completely free of charge (i.e. no monthly or annual fees). There are no foreign exchange fees (e.g. if you pay in dollar) and cash withdrawals are also free of charge. The card supports both Apple Pay and Google pay and comes with flexible repayment options. You can either pay in monthly installments (i.e. you pay a partial amount on a monthly basis) or balance out your monthly bill in one go. When ordering the awa7 credit card you can apply for a an immediate credit of up to 2,500 EUR. The credit is interest-free when you pay back the money within the first three months after ordering the card. And the best thing is, that you can do good with the card! For every 100 EUR you spend with the card, awa7 plants one tree.

   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
   Flexible repayment options – one-off payment or monthly installments
   Plant one tree for every 100 EUR you spend
   Apple Pay & Google Pay supported

Get your free awa7 Visa card


Consors Finanz Mastercard

consors finanz mastercard free credit cardThe Consors Finanz Mastercard is issued by the German subsidiary of the French bank BNP Paribas. The card is completely free of charge, meaning that there are no monthly or annual fees. Furthermore you do not have to pay any foreign transaction fees, for example when you are paying in US Dollar. Cash withdrawals of at least 300 EUR are free of charge and in case you withdraw less than 300 EUR you pay a fee of 3.95 EUR/withdrawal. You can choose to either balance out your monthly bill as a one-off payment which will be automatically deducted from your bank account on a quarterly basis (interest-free) or in monthly installments. Another nice feature is the possibility to use Apple Pay & Google Pay with the Consors Finanz Mastercard.

   Completely free of charge – no monthly or annual fees
   No foreign transaction fees
   Flexible repayment options – one-off payment or monthly installments
   Apple Pay & Google Pay supported

   Minimum of 300 EUR for free cash withdrawals (otherwise 3.95 EUR/withdrawal)

Get your Consors Finanz Mastercard!


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 the best credit card in Germany!

   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!


What credit cards can I use in Germany?

Various types of credit cards are also issued in Germany. The two most important providers are undoubtedly Visa and Mastercard, which are fighting for market leadership in this country. There are more than 20 million cards of each of the two major credit card banks in this country. The cards are not issued directly by Visa or Mastercard. Rather, they are partner banks that issue credit cards from the two companies. So you can get your card directly from your savings bank or direct bank, for example.

An alternative is credit cards from American Express. There are currently just under two million of these cards in circulation in Germany. With American Express, the credit card is issued directly by the company. Other internationally known credit card providers are Diners Club, JCB International, China UnionPay.

Which is the best Mastercard or Visa Card in Germany?

Our winners for the best credit card in Germany are…

Before you can get your credit card or girocard you have to open a basic payment account or a business bank account if you are an entrepreneur.

Where can you pay with a credit card?

Credit cards are the most flexible means of payment. You can use credit cards in these cases, among others:

While you can only make purchases “offline” with a Girocard, for example, this is also possible online with a credit card. You can therefore use it to pay in stores as well as on the Internet. You therefore only need one means of payment and do not have to rely on a different option for every transaction. Credit cards can also be used to withdraw money. This applies both at home and abroad.

A decisive advantage of the best credit card in Germany is also the flexibility when traveling. You can pay with Visa or Mastercard at almost all major travel agencies, hotels, and airlines. In some cases, you even benefit from additional insurance services. Abroad, you can not only pay everywhere with your credit card but also get cash at most ATMs. So you benefit from maximum flexibility when traveling and have the ideal means of payment at hand, so to speak.

germany best credit cards
Visa Mastercard American Express

Which is the best credit card to use for shopping in Germany?

If you want to use your credit card only in Germany, it is clear in principle which card you should go for. Your choice for the best credit card in Germany basically cannot go past Visa or Mastercard. The two card providers enjoy by far the greater acceptance in this country. Cards from Diners Club, JCB International, and China UnionPay, on the other hand, are only accepted in Germany in exceptional cases. This applies, for example to expensive boutiques or luxury hotels.

American Express is something of a lucky bag when it comes to acceptance. You can usually use this credit card for luxury purchases and at most gas stations without any problems. In stationary retail and e-commerce, however, things get more complicated. Recently, however, the acceptance of American Express credit cards has increased significantly.

What credit cards and billing models do they have in Germany?

Charge Card

The charge card is the most common in Germany (most MasterCards are charge cards). With them, the credit card provider creates an invoice once a month and debits the accrued amount from the agreed account. The time delay gives you a free credit or interest advantage for several weeks. This is convenient if you have unexpected expenses, for example, a car repair on vacation: you first pay the repair shop bill with the credit card and only need to worry about the credit card statement and the balance on your private account after your return.

Debit Card

The credit card statement looks different from the debit card. Here, similar to the bank or former EC card, the amount is immediately debited from the account. The advantage of this is that larger amounts do not accumulate and then become due all at once – a risk of running into debt that should not be underestimated. Prepaid credit cards are also debit cards, except that the amount is deducted immediately from the credit balance.

Credit Card

The third variant, the credit card (a credit card with a credit line) is what is often called a “real” credit card: It is a charge card combined with the option of paying the amount due in one go or installments. However, interest is charged on the outstanding amount, which is higher than that of the overdraft facility of a normal account. This “credit” can be paid off in fixed installments, the amount of which is freely selectable, with only a minimum amount being fixed (usually 50 euros); unscheduled repayments are possible at any time. The best-known credit cards of this type are the American Express cards, but many Visa cards also offer this credit card payment option.


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.

28 Comments. Leave new

  • What about online shopping or booking hotels and flight? Does Barclays card charges you with a fee for this, for the transaction?

    Reply
    • Dear Elona,
      no, there are no additional fees for such transactions. Even when you’re paying in a foreign currency there are no charges as Barclaycard does not charge foreign transaction fees. The only exception is, when you use your Barclaycard in casinos or for sport betting. Then a charge of 4% per transaction applies.

      Best Regards,
      Dominik

      Reply
  • Hello, what would be better in terms of banks availability and conditions as well for credit cards between Barclay’s and Hanseatic. Here in Germany

    Reply
    • Dear Felipe,
      as both cards are Visa credit cards, they are widely accepted. They are pretty much accepted everywhere when it comes to shopping, you can withdraw cash free of charge and they both support Apple Pay and Google Pay.
      Therefore the difference are only marginal. The advantage of the Barclaycard Visa is that they currently offer a bonus of 50 EUR.

      Best Regards,
      Dominik

      Reply
  • Hello,
    I started using my Visa Barclaycard for my purchases. I want to know will, the amounts of purchases I spent, be deducted directly from my main account (on which I receive salary) to Visa Barclaycard or I have to do that manually every month?
    Furthermore do you know are these money transfers (from main account to Barclaycard) free or I have to pay some charges when I do that?
    It would mean a lot if you could help me with these questions.

    Thank you

    Reply
    • Dear Daglas,
      with the Barclaycard you have both options. You can either balance out your monthly credit card bill manually by transferring money from your bank account to your credit card account. Alternatively you can opt for an automatic monthly deduction from your bank account. If you decide to pay in installments (i.e. only pay your monthly bill partially), Barclaycard will charge interest on that. Otherwise there are no fees for transfers from your bank account to your credit card. Unless your bank has charges for this.

      Best Regards,
      Dominik

      Reply
  • Hello,
    I was wondering if there are any credit cards in Germany whom have Purchase Protections?
    Insurance for purchases, for example if they are broken, stolen or failed.

    Usually, found on cards in North America.

    Reply
    • Dear Jose,
      yes, there are credit cards with an included shopping insurance. However these cards are usually not free of charge and come with an annual fee.
      The awa7 credit card presented in this article also comes with a shopping insurance that is free of charge in the first 12 months. After that you have to pay for it.

      Best Regards,
      Dominik

      Reply
  • Good afternoon,
    I’m interested in what would be the procedure for canceling, for example, a bank card if I have a GenialCard, and if I can get you professional advice, which do you think would be better to choose and would be used more for shopping in installments: GenialCard or Barclaycard?
    Thanks in advance for the possible answers, have a nice day 🙂

    Reply
    • Dear Daglas,
      well cancelling an existing card is usually pretty easy… Just send a message to your bank and let them know what account/card you would like to cancel.
      Regarding your question, which card is better for shopping in installments, my recommendation would be the Barclaycard. Why? Because you pay 0% interest for up to three months for expenses under 500 EUR.

      Best Regards,
      Dominik

      Reply
  • Which card do you think is the better choice to buy in installments and which gives a higher limit?
    Thanks for the possible answer.

    Reply
    • Dear Dag,
      both Barclaycard and the Hanseatic GenialCard offer payments in installments.
      The limit depends on various personal factors that are usually considered by the banks (e.g. your salary, your payment history etc.). Therefore I cannot answer your question which bank gives a higher limit.

      Best Regards,
      Dominik

      Reply
  • ADVANZIA says no foreign transaction fee but I tried earlier, it is there, so I stopped using it outside Euro. Can any body has experience of this zero transaction fee?
    Thanks

    Reply
    • Dear Adapa,
      according to the terms and conditions of Advanzia Bank there is indeed no foreign transaction fee for the Gebuhrenfrei Mastercard Gold.
      However there is a fee for cash withdrawals (irrelevant if in Euro or a foreign currency). Do you maybe mean that? In which currency did the charge you a foreign transaction fee?

      Best Regards,
      Dominik

      Reply
  • 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
    • Hello, I need an advice. I live in Germany and I have my salary Account and I need antoher Card especially for Onlineshopping or paying things in installments,flexible. Which card would you in this case recommend GenialCard or Barclaycard? Thanks in advance.

      Reply
      • Dear Daglas,
        both cards are great options as they are free of charge and they offer payments in installments. Also all other major features such as cash withdrawals, foreign exchange fees or Apple/Google pay are very much the same. Therefore I would say it’s up to you to make a choice 😉

        Best Regards,
        Dominik

        Reply
  • Mehedi Hasan
    August 5, 2020 04:22

    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
  • A. Sanchez
    May 22, 2020 07:35

    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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