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Best Credit Cards in Germany in 2024 – Guide for Expats

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Credit Cards in Germany

• TF Bank Mastercard Gold – Best credit card in Germany. Free worldwide with travel insurance and 5% cashback on travel & rental car bookings. Easy to get if you don’t have a long credit history in Germany (Schufa). Banking app in English.
• Awa7® Visa – Fair conditions, no annual fee, and protection of forests for the money spent. Add travel insurance for only €1.70/month in Hanseatic Bank portal to make it the best travel credit card.
• Gebührenfrei Mastercard Gold & Novum Bank Extra Karte – Also great free credit cards for beginners, with similar conditions and banking app in English.
• American Express Payback – Best for cashback points. The only free AMEX credit card that gives you points with almost every card payment. Everything in German.

Most banks will offer their websites only in German. Translate the pages using the Chrome browser’s built-in feature (Right-click → Translate to English). If a button or link is unresponsive, revert to the German version and retry.

• We are independent from the providers of the financial products that we test and evaluate.
• We are transparent regarding our research processes and evaluation methods.
• Our content undergoes careful quality check to ensure that it is well-researched, factually correct, and understandable.
• We have 18+ years of experience with financial products. Our recommendations and evaluations are based on sound specialist knowledge. In addition, we have our life experience as expats, and we know first-hand what expats in Germany want and need.

Types of Credit Cards in Germany

There are four types of credit cards in Germany: a revolving credit card, a charge credit card, a prepaid credit card, and a debit card. Each has its unique features and benefits tailored to different user needs.

Revolving Credit Card – Monthly Billing and Option for Installment Payments

In Germany, the term “Kreditkarte” describes all varieties of credit cards. However, revolving credit cards stand out as the only “real” credit cards in the classical sense. With this card, all the purchases are added together over a month, and the user gets an interest-free payment period of usually four weeks. Depending on the German credit card provider, this period might be longer. After this time, credit card users can decide if they want to pay the total amount due or in installments. If they opt for installments, they’ll be charged interest based on a percentage of the amount they owe. This interest rate can change depending on the credit card bank. This kind of loan is more adaptable than a fixed-term loan.

Due to their installment payment feature, revolving credit cards are often only provided to individuals with a clean credit history, a stable income, and no negative records. Prepaid credit cards or debit cards are often more appropriate for those with unstable earnings or students.

Charge Credit Card – Monthly Deduction of Accumulated Charges

Charge credit cards are the most popular in Germany. With this card, the credit card company sends a monthly bill and then automatically takes the amount you spent from your linked bank account. This gives you a short-term “loan” of up to four weeks, allowing you to buy things even if you don’t have sufficient funds in your account yet. But, ensuring your account can cover the costs at month’s end is crucial. Otherwise, you might face additional fees.

Unlike revolving credit cards, with charge credit cards, you can’t usually pay in installments. The total amount is taken all at once. However, sometimes arrangements can be made with the credit card provider. When getting a credit card, you can typically choose between a charge credit card and a regular revolving credit card.

Prepaid Credit Card – Requires Preloading the Card Account

A prepaid credit card isn’t like a typical credit card. It only works if you’ve added money to the credit card account beforehand. Think of it as refilling a mobile phone: you can use it as long as there’s a balance. Without funds, the card won’t work until reloaded.

For students or those with fluctuating income who can’t get a standard credit card, prepaid credit cards are a great choice. They offer control over expenses since you can only spend what you’ve loaded. There’s no risk of unexpected debt or overspending. Plus, if someone steals the card, they can only use up to the loaded amount, making prepaid cards a secure payment method.

Debit Card – Direct Deductions from the Bank Account

Using a debit card, the amount for any purchase or service is taken immediately from the associated current account. Unlike credit cards, debit cards don’t offer credit. However, you can still use them for many functions that a credit card offers: withdraw cash, make contactless payments, and make online purchases. Debit cards aren’t standalone; they’re always linked to a checking account. They’re ideal for those who want a direct overview of their spending.

The Schufa Check and its impact on Credit Card Applications

In Germany, while anyone can apply for a credit card, there are some basic requirements that need to be met, such as being a resident in Germany and being of legal age. Beyond these basic criteria, credit card providers often have additional conditions that applicants must satisfy to get a credit card. Therefore, the type of credit card you can obtain often depends on your credit history.

When applying for a German credit card with a credit limit, banks consider this a potential risk. To evaluate this risk, they conduct a credit check to access data on an applicant’s payment history. This data is sourced from Germany’s largest credit reporting agency, Schufa.

If you have a negative Schufa record due to a delay in payment or similar reasons, chances are you might not be approved for such a credit card. It’s crucial for the bank to ensure that the customer can repay any borrowed money in a timely manner.

However, debit and prepaid credit cards are usually issued without a prior Schufa check. Since these cards don’t offer actual credit, they don’t pose a significant risk to the bank. Yet, they still provide users with the essential features of a credit card, including cashless transactions and cash withdrawals from ATMs.

Fees associated with German Credit Cards

With a classic or revolving credit card in Germany, holders have to reckon with interest when they use the option of flexible repayment. Specifically, if the credit card bill is not fully paid within the interest-free period and instead, a longer repayment period or installment is chosen.

The interest rates can be very different, based on the credit card provider. There can also be additional fees when using the credit card outside Germany or when making cash withdrawals from ATMs. Beyond these fees, some credit card providers may also have an annual fee, which can vary significantly.

Not every credit card has an annual fee. Typically, cards that offer more than the basic features charge this fee. These additional features can range from discounts, bonus programs, to insurance benefits like travel or rental car insurance. The more features a credit card has, the higher the annual fee tends to be. Cards that offer many high-quality features often come with a higher fee. If these extra features are not useful to you, it’s better to choose a standard credit card. While some benefits, like insurance or discounts, can save money, they’re only beneficial if used. For instance, if someone only travels once a year, travel insurance or a frequent flyer program might not be useful. But for frequent travelers, these features can offer great value.

It’s also important to remember that even credit cards without an annual fee might have other costs. So, it’s always a good idea to check the terms or ask the credit card provider about all potential fees before getting a card. The extra services offered by the credit card are often provided because they also bring profits to the credit card provider.

Foreign Currency Fee

When using credit cards outside countries of the eurozone, credit card providers like VISA, MasterCard, American Express, and Diners Club are very useful due to their wide global acceptance. They can be used almost anywhere. When you pay or withdraw cash in a foreign country, the transaction is processed in the respective national currency. For this convenience, many credit card providers charge a foreign currency fee.

The foreign currency fee can vary a lot, typically ranging from 1.5% to 5% of the transaction amount. If you frequently travel and make payments in foreign currencies, it might be beneficial to get a credit card that doesn’t charge foreign transaction fees. Otherwise, these fees can add up quickly over time.

Cash Withdrawal Fee

Credit cards are a widely accepted payment method. They are practical, especially when you don’t have exact change at the checkout or when shopping online. Yet, there are times when cash is preferred or necessary. Fortunately, credit cards allow you to withdraw money as well.

The fees for withdrawing cash using a credit card depend on the provider. The amount they charge can vary. Some credit card providers permit a certain number of free cash withdrawals per month or year, and then charge a fee for any additional withdrawals. Others might allow free cash withdrawals only at their bank’s ATMs.

It’s also crucial to note where the free cash withdrawals apply. With some credit cards, you can withdraw cash without any fee worldwide. With others, free withdrawals might be limited to Germany or countries within the eurozone. And, there are credit cards that don’t offer free cash withdrawals at all.

Please note: Any additional fees charged directly by the ATM company are separate from the credit card provider and are not considered as part of the credit card fees.

Interest Rates

Credit cards often provide a monthly credit limit to cardholders. Traditional credit cards also offer the option to repay the borrowed amount in monthly installments. When cardholders choose this repayment method, they are required to pay interest on the borrowed amount. Typically, the interest rate for credit cards is variable and is charged only on the borrowed amount, not the entire credit limit.

When comparing different credit card offers, it’s essential to focus on the effective annual interest rate rather than just the nominal or borrowing rate. The effective annual interest rate gives a complete picture of the total interest costs, whereas the nominal rate only indicates the monthly interest charge, making it appear lower.

If you’re considering getting a credit card and intend to use the installment repayment feature, it’s crucial to research the interest rates first. This will help you understand how cost-effective the card is for your specific needs.

Best Free Credit Cards for Established Expats

These cards offer the best conditions but are generally known to require a long and clean credit history (Schufa).

Barclays Visa

A completely free credit card that offers some of the best conditions a credit card can have. However, we have recently stopped recommending it since the approval rates are very low for foreigners.

Best Free Credit Cards for Beginners

Unlike the previous ones, these cards are much easier to get. This doesn’t necessarily mean you’re automatically approved when you apply. But you have a better chance of getting approved with these credit cards than with the others.

TF Bank Mastercard Gold

TF Bank Mastercard Gold is the best credit card in Germany, ideal for both established expats and new ones without a long credit history. It comes with no annual fee, no fees for cash withdrawals, and no foreign currency fees. The card offers travel insurance and a 5% cashback on travel and rental car bookings. Just remember to cover at least 50% of the travel booking with the card to get the insurance benefit.

Gebührenfrei Mastercard Gold

Advanzia Gebührenfrei Mastercard Gold is also one of the best free credit cards for expats. It’s easily accessible to foreigners, and you don’t need a long credit history to get one. It has very similar conditions to the TF Bank card. The credit card is free, has no annual fee, and there are no fees for cash withdrawals or foreign currency fees. However, there’s a small-hidden currency conversion surcharge fee. Additionally, it also comes with travel insurance and a 5% cashback on travel and rental car bookings.

Best Cashback Credit Cards in Germany

When it comes to cashback, the credit card that offers the most points or cashback rewards will rank the highest.

American Express Payback

While this credit card falls in some parts compared to the others, it does hold one of the better cashback points in Germany. In most cases, it doesn’t matter if the store is not a partner; you will still get cashback points for your purchases. It is a charge credit card, meaning that you cannot repay the borrowed amount in monthly installments.

Best Student Credit Cards in Germany

Students coming to Germany will typically not have a long credit history or complete documents. Their financial situation will also be limited compared to most. So the best credit cards for students will be those with high approval rates while offering the benefits of financial flexibility.

Best Travel Credit Cards in Germany

The best credit cards for travel are those that offer the most perks related to traveling. This includes travel insurance, miles, travel-related points, discounts, access to the airport lounge, and more.

Best Business Credit Cards in Germany

The best business credit cards in Germany typically offer competitive rewards programs tailored to business needs, including cash back, travel rewards, or discounts on business expenses like office supplies and travel.

How to get a German Credit Card: Step-by-Step Guide

Here’s a quick step-by-step on how to apply for any German credit card.

Step 1: Check Your Eligibility

As with any product, each credit card will have its eligibility requirements. The most common eligibility requirements for German credit cards are that you must at least have a German bank account, a German phone number, a valid passport, and be at least 18 years old.

To check your eligibility with the credit card you’re interested in, simply follow the link to their application page.

Step 2: Fill-Out Online Application Form

Credit card online applications will ask for your personal details. This includes your name, address, birthdate, and contact information. If you’re asking for a certain credit limit, you must include information about your income in your application.

Most banks will offer their websites only in German. Translate the pages using the Chrome browser’s built-in feature (Right-click → Translate to English). If a button or link is unresponsive, switch back to the German version and retry.

Step 3: Pass Video Identification Process

After you submit your online application form, the next step is to wait for the bank to contact you through the contact information you provided. Once they contact you, you must verify your identity with them. How this is done would depend on the bank in question, but typically, it may involve doing a video call with their customer service agent.

After the agent verifies your data and information, you only need to wait for them to send your card and other important information about it, either to your email or with your card in a physical document.

Credit cards are a great way to expand your financial freedom when used and managed wisely. It is also one of the few financial tools available that provide you with more benefits and advantages the longer you have it and the more you use it.

The credit cards listed above all offer excellent benefits, but overall, we believe that the TF Bank Mastercard Gold is the best credit card in Germany due to its excellent terms and perks.

Frequently Asked Questions

Can foreigners get a credit card in germany.

Yes, foreigners can get a credit card in Germany. But depending on some factors, foreigners might have a harder time getting approved for a credit card in Germany than Germans.

What are free credit cards?

Free credit cards are credit cards that don’t have an annual or monthly fee, as well as other fees, such as foreign currency fees and cash withdrawal fees.

Are credit cards widely accepted in Germany?

Visa and Mastercard are widely accepted in Germany. However, many small businesses will refuse to accept credit card payments, and some places will do so unless the purchase exceeds a certain amount.

Are there different types of credit cards in Germany?

There are four types of credit cards in Germany: charge credit cards, revolving credit cards, debit cards, and prepaid credit cards.

A charge credit card compiles all purchase payments within a 30-day period, after which a credit card statement is generated, which the owner must pay.

A revolving credit card is a credit card that gives owners a line of credit for them to use and the possibility to pay back in monthly installments.

A debit card is basically a card that’s connected to the owner’s bank account. Each time the debit card is used, the amount is automatically deducted from the bank account.

With a prepaid credit card, the owner must first transfer money from their bank account to the credit card before use.

What is the most common type of credit card in Germany?

The most common type of credit card in Germany is the charge credit card. Charge credit cards require the cardholder to pay the outstanding balance in full at the end of each month, rather than carrying a balance over time.

Which credit card is the best in Germany?

The best credit card in Germany is TF Bank Mastercard Gold due to its excellent terms and perks.

What’s the easiest credit card to get approved for?

The easiest credit card to get approved for is one that is not strict with your credit history, among other requirements. Based on our research, these are TF Bank Mastercard Gold and Gebührenfrei Mastercard Gold.

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Movingto-Germany

Best German Credit Card

Best credit cards in germany.

Surprisingly, credit cards are not that widely spread in Germany as in other countries.

But believe us if we tell you that having a German credit card will make your life so much easier.

The obvious reason is that you will be able to do shopping even if your German bank account is in overdraft.

But more importantly German credit cards are great for anyone travelling a lot as you can withdraw money for free abroad and pay without extra fees in foreign currencies if you signed up with the right credit card/bank account.

If you do not have a German bank account yet that would be a very important first step.

Continue reading about the best German bank accounts, many of which already come with a free Debit Card or with a Credit Card for a small monthly fee.

But if you do not with to pay for a real credit card we have great news for you – Barclays is a completely free of charge credit card.

Before we dive into details let’s make sure that you understand the very important difference between a debit card and credit card and then compare all your options.

Difference Debit Card and Credit Card

The most important difference between a Credit Card and Debit Card is that with a Debit Card all your purchases are directly withdrawn from your bank account.

So if your bank account is in overdraft you will not be able to make any purchase with a debit card.

With a debit card your bank account will be charged every time you do a purchase.

With a credit card you can spend money regardless of if your bank account is in overdraft or not. However, at the end of the month all your purchased will be charged to your bank account.

And if you are travelling a lot you also need to remember that hotels and car rentals do not accept debit cards as a safety deposit.

So make sure that you at least have one real German credit card.

As we already pointed out we highly recommend Barclays, continue reading to find out why.

Overview & Comparison Best German Credit Cards

The only real credit card right now that we can recommend that is completely free of charge.

Barclays is a well known international company and recently started to offer their Barclays Credit Card in Germany.

This is in fact a real Visa Credit Card with all the advantages you want to find in a credit card.

You can withdraw money when travelling completely free of charge and also use it abroad and in Germany to pay in restaurants and shops and not pay any fees.

Once a month Barclays will clear the balances with the German bank account that is connected with the Barclays Visa card.

So as you can see if you sign up with Barclays for a free Visa Credit Card you need to have a German bank account first.

In case you are still on the hunt for the best German Bank Account keep on reading our article .

Of course you can also connect your Barclays Card with Apple and Google Pay.

Just sign-up for your free of charge Barclays Credit Card online.

Another great alternative for a German credit card is to sign up with DKB.

All DKB bank accounts come with a free of charge Visa debit card.

Remember, when we told you to watch out closely for the difference between a debit card and credit card?

Exactly, so while DKB is one of our favorite German bank accounts, in order to have a real credit card you will need to pay a small monthly fee of 2,49€ for your Visa credit card.

But that small fee really is a small price to pay for what this credit card has to offer.

Free unlimited cash withdrawals at any ATM worldwide, can it get better than that?

Also in Germany you can use any ATM you want free of charge – naturally avoid those dodgy ATMs that charge an extra fee (this will always be stated before greenlighting the withdrawal on the ATM scree) which of course will not be covered by the free cash withdrawal.

Postbank is another good alternative if you are looking for a German Credit Card and bank account.

However, compared to our other alternatives, Postbank is a slightly more expensive option.

The mandatory bank account will cost you a monthly fee of 4,85€.

And if you want a real credit card instead of a debit card you will need to pay 29€ a year after the first year, which is for free.

But in case you do not feel comfortable to do most of your banking online Postbank is a very good alternative with many brick and mortar locations around Germany.

You might ask yourself why we do include N26 in this overview of the best credit cards in Germany when they only offer their bank accounts with a free of charge virtual debit card.

The answer is easy, N26 is the only German bank that offers online banking via Web and App in English.

Also the whole signup process is in English, which makes life incredibly easy for all foreigners and expats.

And best of all, you can sign up with N26 from abroad without the need to have a German address.

This is the best feature of all for N26 and we feel like we needed to tell you this.

So our recommendation would be to sign up with N26 from abroad already and then once you have the N26 bank account get a free of charge Barclays Visa Credit Card *.

Comdirect was one of the first German online banks.

However, recently they have stopped issuing a real credit card with their free of charge bank account.

So the only alternative for this would be to get a free comdirect bank account and connect your Barclays Visa Credit Card with this account (similar to our N26 recommendation).

*Since I love to keep my website as up-to-date as possible for you awesome readers, my content may contain affiliate links. All the links in this post marked with ‘*’ are such affiliate links. Even though I might receive an affiliate commission at no extra cost to you, all opinions on my website remain my own.

Now that you have succesfully signed up for a German Credit Card we recommend you enjoy life in Germany.

Learn about what foods and sports Germans love:

Top 10 German sports

Continue reading about the most popular sports in Germany .

Top 10 German tourist attractions

Continue reading about the Top 10 tourist attractions in Germany .

My Life in Germany

All you need to know about studying, working, and living in Germany

Free Credit Card in Germany – Top 5 For Travel and Cashback

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Looking for a free credit card in Germany? Check out this comparison of the top 5 free credit cards in Germany, both for travel and for cashback. In this article, you will also find all information about credit card in Germany, including credit card types, different costs, how to choose the best credit card, etc.

Moving to Germany or new in Germany? Check out our Resources Page for all the help you need!

Table of Contents

Free credit card in Germany – Top 5

If you want to get a credit card in Germany, there are a lot of choices (maybe even too many so it is a bit confusing to choose from). Which one you should choose greatly depends on why you want to have a credit card. Basically, there are two big reasons: 

• To get cashback on local daily purchase
• To get a good payment condition when traveling abroad

Unfortunately, a credit card that gives you a good payment condition when traveling abroad usually does not give you many advantages for your local purchase. Because of that, we recommend having two credit cards. You can use one when you are traveling abroad, and use another one to get cashback for your local shopping.

The best free credit card in Germany – For cashback

The payback american express card .

The Payback American Express Card can be an attractive option if you are looking for cashback. This is especially true if you like to shop at payback partner shops like DM, Rewe, etc. Besides, there is no annual fee at all.

However, I wouldn’t recommend using the Payback America Express Card when you travel abroad. It is just not made for traveling. If you want to find a good credit card for using abroad, read on.

The best free credit card in Germany – For travel

All the credit cards below are free – meaning no monthly or annual fee. And they are real credit cards, with a real credit line.

The focus here is to find a credit card that is free and best to use when traveling abroad. This is because in many cases, you will get a very bad condition when you try to use your German current account (Girokonto) abroad – if that is at all possible.

Note: The below table can be moved sideways depending on your screen.

*The Mastercard exchange rate used for foreign currency payments includes a surcharge, i.e. a currency conversion fee, on top of the ECB reference rate. You can find the current daily currency conversion fees here .

**Fees apply when using cards in casinos, lottery companies and betting offices, as well as when using securities trading platforms, using them at financial institutions, executing a money transfer and purchasing cryptocurrencies.

Which credit card should you choose in Germany?

All the 4 credit cards above can be a good choice for someone who needs good conditions for traveling abroad. Which one to choose, depends purely on your personal need. For example, if you want to have a free credit card that includes travel insurance, TF Master Gold or Gebührenfrei Mastercard Gold can be great.

Withdrawing cash at a foreign ATM machine

Be aware that even when your credit card company does not charge you fees when you withdraw cash abroad, you may be subject to fees from the foreign ATM machine. Also, make sure you always choose to withdraw cash in local currency at a foreign ATM machine to avoid the high fee charged by the foreign bank.

My understanding of a credit card

In my hometown Hong Kong, getting a credit card is really easy. In fact, when I walked on the street, I often met many credit card promoters who begged me to register for one (They got a commission for every sign-up). Applying for a credit card came with all sorts of starting gifts and bonuses. One can also accumulate points by spending with his credit card which can lead to different gifts and cash coupons. 

Actually, most people in Hong Kong own a couple of credit cards (I had 5 at that time and all were free). One can choose to pay back the whole amount at the end of the month, or only the minimum amount. The credit cards in Hong Kong are always with real credit line as this is how the banks make money (by earning the interest if someone just pays the minimum amount). One can also use his credit card to finance a purchase by paying with installments.

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The credit card in Germany  

When I came to Germany, I realized that the concept of a credit card was very different. As you know, Germany is a cash country. People love to use cash here. (This may change due to Corona as more people are using card payment for hygiene reason) 

German people do not like to have loans except for big payments like buying a house or buying a car . They only use a credit card when they have to, for example, to purchase online or reserve a hotel room. 

In Germany, many credit cards (although they are called credit card) have no credit line at all. They are actually debit cards with a Visa/ Master logo. Spending with the credit card will trigger a direct debit to your current account. And your credit card will not work if there is no more money in your associated current account. Besides, many credit cards in Germany do charge an annual fee.

The color of the credit cards in Germany is also not so important. As long as you pay the annual fee, you can get a platinum or gold card as you want. This doesn’t necessarily represent a better social status and is more about your own preference.

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Credit card systems in Germany

Visa, Master, and American Express are the three major credit card systems in Germany. Visa and Master are very similar. They work with retail banks to offer credit cards to their customers. On the other hand, American Express does not work with banks. Instead, it offers its own credit cards directly to the customers.

Visa and Mastercard credit cards are the most widely accepted credit cards in Germany. American Express is also accepted in big chain stores, but not in every shop.

Many shops may not like it if you pay with credit cards. The reason is that they have to pay a fee for the credit card payments (1% to 3% for Visa and Mastercard). For American Express, it is even more expensive and this leads to a lower acceptance in stores. Therefore, it is not uncommon to see a sign in stores which states that card payment is only possible starting 10 Euros or something like that. 

Read also:  Insurance in Germany – Which one do you need?

Why should you have a credit card in Germany?

1) traveling.

Credit cards are widely accepted worldwide and can be very useful when you are traveling. For example, many hotels or rental car companies accept only credit cards as they need to block a deposit on the credit card during the renting process. 

Besides, some credit cards in Germany also let you withdraw cash both at home and abroad in foreign currency. You can also pay with your credit cards abroad without exchanging currencies.

2) Online payment

It is not always possible to use your debit card for online payment, especially if you are paying in a foreign currency. In that case, a credit card will be needed for the online payment.

3) Contactless payment

Many credit cards in Germany offer contactless payment options like ApplePay and GooglePay. It is convenient and also hygienic.

4) Insurance coverage

Many credit cards in Germany come with additional insurance coverage, e.g. travel insurance. It means that if you pay your trip with a credit card, the travel insurance will be included in case of a flight delay, lost luggage, trip cancellation, etc. Some credit cards also cover in case of lost or damaged parcels if you purchase with your credit card online.

5) Cashback

Some credit cards in Germany offer bonus programs where you can accumulate points when you purchase with the credit cards. You can use these points later to redeem bonuses like gifts or cashback. 

For me, I used to pay always with my debit card wherever I could. Now, I always pay with my credit card instead, also for grocery shopping. This eventually gave me quite some cashback. As I am anyway going to spend this money, why not earn some money back?

Read also: 

• Cost of living in Germany – Ho w to save money?
• How to Save Money During a Crisis – 8 Best Tips to Save and Earn

Different credit card types in Germany

In Germany, there are credit cards with a real credit line, and those with no credit line. If you choose one with a credit line, you can gradually increase your credit limit by paying back on time.

Credit card in Germany with no credit line

Debit credit card.

This is actually a debit card with a Visa/ Master function. When you spend, the amount will be directly charged to your current account with no credit period, similar to your normal debit card (Girokarte).

Prepaid credit card

You need to first deposit to the account before you can pay with your credit card. Again, no credit is offered in this type of credit card as you can only spend the amount you have deposited.

Credit card in Germany with a credit line

Charge credit card.

With a charge credit card, the amount you spent will be charged to you at the end of the month or after 30 days. So, you will have free credit for the amount for one month.

Revolving credit card

This is the type of credit card I was used to in Hong Kong. You can decide to pay back the amount you spend in full or by installments. It is free if you pay back the amount in full. Otherwise, the interest rate is very high if you only repay the partial amount.

This credit card type is not so common in Germany. But you can still find a couple of providers who offer that.

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Cost of having a credit card in Germany

In Germany, you can find credit cards ranging from completely free of charge, to hundreds of Euros per year. Credit card companies charge the merchants when you use the card. That’s why some credit card companies will offer you a free credit card. (They want you to use it. The more, the better.)

Many traditional banks in Germany offer credit cards with an annual fee. However, if you choose a direct bank (banks with no physical branches), it is quite common to get a free credit card offer. 

When you are comparing different credit cards in Germany, you should not only look at the annual fee. Besides the annual fee, there are different ways that a credit card company can charge you. Below are the different potential costs associated with a credit card:

Many credit card companies in Germany charge an annual fee. But the credit cards also include insurance services like travel insurance, which normally don’t come with a free credit card. 

You will have to check and see if it is better to use a credit card with an annual fee, or to use a free credit card and buy your insurance separately.

Some banks also waive the annual fee if you reach their minimum transaction amount by the end of the year. If you can use your credit card a lot, you may not need to pay the annual fee.

Tips: TF Mastercard Gold and Gebührenfrei Mastercard Gold are exceptions here as they are free and still include travel insurance. So, you basically get your travel insurance for free by using these cards.

Fees for usage abroad

Some credit cards charge you fees if you use them abroad, even if you use the same currency abroad, e.g. within the European region.

Fees for cash withdrawals (in Germany and abroad)

Before making a cash withdrawal with your credit card, you should check the cost carefully. Sometimes, it is cheaper to withdraw cash with your debit card instead as many credit card companies charge a high fee for cash withdrawals, especially abroad. 

Foreign transaction fees

Some credit card companies in Germany charge you an extra fee if you make a transaction in foreign currencies. 

Fee for a second card or replacement

Some credit card companies in Germany charge a fee if you want a second card or if you want to replace your lost credit card.

Interest rate if you don’t pay your bill on time

If you have a credit line on your credit card, make sure you know the interest rate in case you don’t repay the full amount. Credit card companies usually charge a very high interest rate if you don’t pay on time.

For example, some credit card companies start charging you interest when you withdraw cash from an ATM, while some other only start charging you once after the interest-free period.

Read also:  20 Ideas to Make Money from Home – Anyone Can Do

What to consider before choosing your credit card in Germany?

Before applying, you should think about why you want to have a credit card in Germany. Is it because you want to have a credit line? Or do you want to get cashback? Or do you want to use it for traveling? 

Knowing your needs will help you to decide on a credit card in Germany which can best suit your needs. Below are some of the factors to consider:

Do you need financial flexibility?

If your goal is to have some financial flexibility so that you can pay back your purchase later, you may want to find a credit card with a credit line and a decent interest rate.

If this is not your goal, you may want to choose a debit card instead. Then, you can be sure that you do not need to pay any interest as there is no actual credit line.

Or, you can choose a credit card that allows automatic repayment by setting up a direct debit from your current bank account. This way you don’t need to run a risk of paying interest for the overdue amount, in case you forget to pay back on time. You just need to make sure that you have enough money in your current bank account.

Do you want to perform contactless payment?

If the contactless payment features are important to you, you should choose a credit card with functions like ApplePay or GooglePay. 

How easy is it to apply for a credit card?

Some credit card companies have a very simple and easy application process. You can apply online, verify through a video chat, and know the result shortly. While some other credit card companies in Germany may require more documents and take a longer application process. 

Depending on how urgent you need your credit card in Germany, you should choose one accordingly considering the application process.

Do you travel often?

If you travel often and plan to use your credit card abroad, you should definitely check the foreign transaction fees and foreign ATM fees of the credit card. Another consideration is to choose a credit card with travel insurance included. 

Free credit card vs. credit card with an annual fee

A free credit card usually does not come with insurance or any premium services. A credit card with an annual fee, however, often include some insurance coverage like travel insurance or payment protection insurance, etc.

Some say that it is better to get a free credit card and buy the insurance you need separately, because you usually get a better service and condition by doing so. Some others say that it is cheaper to pay a credit card with an annual fee that includes many different types of insurance, than trying to get each of these insurances separately.

The best is that you do your research. Check the price and insurance coverage from the credit card versus if you would get the insurance separately. Also, think about if you really need this insurance. Sometimes, some insurance policies are just “nice to have” and it may not worth it to pay an annual fee just for those insurances. 

Do you also want a current account?

Some credit card companies only offer a credit card together with a debit card (current account). There may also be some conditions associated with a free current account, like regular salary deposits. If you have a current account already and do not want an extra one, choose an offer that you can apply for a credit card only.

Read also:  Opening a Bank Account in Germany – Compare English Banking Options

Do you want to participate in different bonus programs?

This is actually the main reason for me to apply for a credit card. I use my credit card to pay my grocery and wherever I can so that I can collect points and get cashback. If this is your goal as well, find a credit card with good bonus programs that are suitable for you. 

For example, the Payback American Express Card can be an attractive option if you like to shop at payback partner shops like DM, Rewe, etc. 

How easy is it to get a credit card in Germany?

It depends on if you want a credit card with a real credit line or not. Without a real credit line, it is pretty easy to get one as long as you have a German address. The application process will be stricter if you want a card with an actual credit line. Many credit card companies will do a credit check on you and a SCHUFA query. You will need to have a stable income to get a credit card. 

Most of the time, it will take some business days for you to receive your credit card, depending also on how fast the delivery service is.

The application process will be stricter if you want a card with an actual credit line. You will need to have a stable income to get a credit card. Many credit card companies will do a credit check on you and a SCHUFA query. For more details, check this out:  What is SCHUFA – How to get SCHUFA in Germany?

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Please be aware that this article is for information only for those who are looking for a credit card in Ge rmany. We picked the best credit cards in Germany based on our personal experience, online review, and in-depth research . We do not provide a complete market overview.

Note that the data in this article is accurate as of the date when this article is written and is subject to change any time in the future.  Our blog makes no guarantee as to the accuracy or timeliness of the information in this article. And we do not accept any form of liability resulting from reading this article. If you need any more details or the latest information, please refer to the credit card companies’ websites directly. 

Do you have a credit card in Germany? Why or why not? Do you like your credit card in Germany? Leave a comment below and share your experience!

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2 Replies to “Free Credit Card in Germany – Top 5 For Travel and Cashback”

Any banks that offer rewards for regular expenses on credit card?

Thanks for your comment. With the Payback credit card I mentioned in my article, you can get 0.5% cashback on regular purchase. And you can get 1% if you shop at payback partner shops such as Rewe, DM, etc.

Hope it helps, Sindy

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The Best Credit Cards in Germany: Top 4 Free & 5 Paid Credit Cards in 2023

Introduction.

If you’re new to Germany and are looking for a credit card, it may seem like a daunting task. Credit cards are a great way to build your credit history, and they can offer benefits like cash back, travel insurance and flexible payment plans. But with so many options available, it can be overwhelming to choose the right card for you. In this article, we’ll explain how credit cards work in Germany, where to apply for one, how much they cost and the best one to get.

What are the different types of credit cards in Germany?

When you hear credit card in Germany, it may be referring to a few things. The most common types of credits cards that would be accepted in Germany are Visa, Mastercard, and America Express. 

Sometimes, the terms credit card and debit cards are used interchangeably in Germany. Debit cards usually come free with your bank account. You are able to spend only what you have in your bank account. 

A credit card on the other hand is a payment card that allows you to borrow money (usually from a bank or other financial institution). When you spend money on your card, the amount owed is added to your account balance until it’s paid off in full.

Most people in Germany would not even need a credit card. Here is an overview.

• Debit card: Payment card that allows you to only spend what you have in your bank account. You can make online purchases and in-person payments just like with a credit card-
• Charge credit card: These credit cards charge your bank account once per month. Usually via a SEPA mandate. If you pay the in full, you will pay no interest at all. This is the most common type of credit card in Germany and relatively safer. 
• Revolving credit card: With these credit cards, you will have to take a look at your bill at the end of every month and make the payment. Failure to make payments or partial payments will result in interests on the borrowed amount. I would stay away from these cards. If you get one of these cards, be sure to keep an eye on paying it off, since credit card interest rates are very high.
• Prepaid credit card: You can get these in selected gas stations and supermarkets. They can be used for buying offline and cannot be topped up. After you have used the amount you bought.

What are the advantages of the credit cards in Germany?

• Car Rentals: Most car rental services will insist on putting a credit card on file at pickup. Unfortunately, they will not accept debit cards most of the time.
• Overdraft: With a credit card, you have access to some extra cash – more than you have in your account. It is not advisable to make a habit of this, since interest rates can quickly get out of hand.
• Improves Credit score: It is believed that paying off your credit card bills on time has a positive effect on your Schufa. Just like any credit you take on, when you pay it off, it signals your creditworthiness for the future.
• Insurances and Perks: One of the reasons why I would get a credit card is if they offer any perks. Most credit cards like the DKB, Miles More and the Payback American Express will have some coverage like travel insurance, car rental insurance or even cash backs. It can be an added value.

Best Free Credit Cards in Germany

1. barclay visa credit card (free).

The Barclaycard Visa credit card is one of the most popular free credit cards in Germany. You can pay and withdraw money anywhere in the world without charges. A good selling point is also that you can get an interest free payment plan on qualifying purchases(from 95 euros). This makes it quite attractive for students and people who just need a simple credit card that’s not going to break their wallets with charges. 

• No extra charge on international payments and withdrawals
• Apple Pay & Google Pay
• Payment plans available starting at 0% interest
• Free partner card
• Full or partial payment of bill at the end of the month via SEPA

2. Hanseatic Bank GenialCard (free)

The Hanseatic Bank GenialCard is another great option when looking for a free credit card. The card has no annual fee, no monthly fee and no foreign exchange fees.

This card also has benefits like no cash withdrawal fee, balance transfer fee and cash advance fee. It also has ATM withdrawal options without any additional costs or fees!

However, there are some downsides as well: You will receive a bill at the end of the month and you will have to transfer money to cover it

3. TF Bank Mastercard Gold (free)

The TF Bank Mastercard Gold is a free credit card that offers no fees. It can be used all over the world, but you should know that this credit card doesn’t have any annual fees.

This free credit card is one of the best options in Germany because it has no annual fee, no foreign transaction fees and has great customer service. They offer some perks such as:

• Free travel insurance
• 5% cashback on travel bookings
• 5% cashback on car rentals
• No foreign currency fees
• No Interest for 51 days

4. Payback American Express (free)

The Payback American Express is one of my daily drivers. If you collect payback points, it comes in Handy. Payback is a bonus program in Germany when you get extra points when you shop at selected stores. 

You can spend the points accrued in a shop or buy something from the payback store. What most people do not know is that you can also get your points paid out to you. You can also convert them to miles.  The payback American Express card is not only free, you also get a point for every euro spent. At the end of the year, the average person could get about 100 euros paid back.

They book your outstanding balance directly from your bank account and also handy for vacation rentals.

Best Paid Credit Cards in Germany

1. dkb-cash visa card (€2.49 per month).

• €2.49 per month
• No foreign transaction fees
• Optional Insurance packages
• Free emergency cover

DKB-Cash Visa Card is a serviceable card with lots of optional insurance packages, making it perfect for people who are just getting started with credit cards and want to take the slow approach. It’s one of the cheapest and most reliable German credit cards on the market today.

2. Miles & More Mastercard Gold (€9.16 per month)

This card has a €9.16 monthly fee, but it comes with great benefits that can easily make up for the expense. You get two points for every euro you spend on everyday purchases and one point per 2 euro spent on all other purchases. You also get extra points with selected offers and partners. The miles can be redeemed for free flights and upgrades. With the Miles and More Mastercard Gold, your points never expire. 

• 4000 miles welcome bonus
• 1 bonus mile per €2 spend
• Acts as Miles and more service card
• Travel Cancellation & Interruptions
• Car rental comprehensive cover
• Travel health insurance
• Quarantine cost

3. Commerzbank Credit Card (from €39.90 per year)

Commerzbank has a suite of credit card offering in addition to their prepaid and Mastercard debit cards. There are the 

• This is the cheapest of the two Commerzbank credit cards – €39.90 per year
• 29.90 for every additional card
• This is the premium offering that costs €99.90 per year and 79,90 for every extra card
• Travel Cancellation & Interruption
• Travel Health Insurance
• Travel Accident Insurance
• Travel Service and Emergency Insurance
• Access to over 1300 Airport lounges across the world

4. Deutsche Bank VISA Card (from €39 per year)

The Deutsche Bank has 4 credit cards

• MasterCard Standard – €39 per year
• MasterCard Gold – €82 per year
• MasterCard Travel – €94 per year
• MasterCard Platin – €200 per year

All credit cards come with mobile payments and free international payments.  Here is an overview of the perks.

5. American Express Gold (€12 per month)

The American Express Gold is one of the most prestigious credit cards out there. They will even start you out with a 144 balance, which means you enjoy a whole year without any fees. Included are the following Insurance packages.

• Travel cancellation insurance (due to illness)
• Travel comfort insurance (flight and luggage delays)
• Vehicle protection in Europe(in case of a breakdown)
• Transport accident insurance
• Travel Health insurance abroad

How to apply for a Credit Card in Germany?

You can apply for a credit card in Germany by filling out the application form online. After that, if you do not already have an account with that bank, you will have to go through the legitimation process . In a week or two you will most likely receive your PIN in the mail followed by the card a few days after. For foreigners, it is not uncommon that the bank will reach out for a copy of your residency card.

Tips for Getting a Credit Card in Germany

Getting a credit card in Germany can be a bit tricky, if you don’t know what to expect. Before applying for your first German credit card, here are some tips:

• Make sure you are eligible. Some banks will only grant their products to German citizens or residents; others might consider foreigners who have been living and working in Germany for some time.
• Check your credit history. Every time you apply for a credit card, the institution checks your credit worthiness with Schufa. It’s not good to be constantly getting denied for credit cards. You can order a free copy of your schufa report every year . Take the time out to order it and check for any irregularities occasionally.

I hope this article helped you find the best credit card in Germany. If you have any questions or comments, please leave them below, and I will get back to you as soon as possible.

Frequently Asked Questions

No, for everyday use, most Germans use debit cards. These are cards with which you can spend what you have in your bank account. However, for rentals and booking holidays you usually need to show a credit card, so it is not uncommon to have a credit card just in case.

It does not really matter. Both Mastercard and Visa cards are widely accepted in Germany.

You can get prepaid credit cards at some gas stations and supermarkets in Germany. Some banks like the Sparkasse also provide this for customers.

Yes you can. For any card for which you have not done legitimation/identification in Germany, you cannot load more credit onto the card.

Yes. Students can get credit cards as well as long as you have a good Schufa score. The credit line might be a bit lower than people with full time jobs, but it will increase over time.

Yes, you can. Mostly, you can only use prepaid credit cards only for internet purchases in Germany.

Here are our favorites are DKB, American Express and Barclay

It is fine to have more than one credit cards if you are not planning to live on them. Interest rates on credit cards in Germany as quite high. Make a habit of using your debit cards if you can.

No. N26 offers a Mastercard debit card.

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Best Credit Cards & Banks with Airport Lounge Access (Germany)

Ease your travel stress by finding a tranquil place to relax before your flight. Airport lounges offer comfort and amenities such as Wi-Fi, complimentary food and drinks, and even showers. Many credit card companies and banks in Germany provide airport lounge access as a customer benefit, making it an accessible option for both business and leisure travelers.

In this article, we will explore the best credit cards and banks in Germany offering airport lounge access, outlining the advantages and various lounge programs available. With this information, choose the right card or bank to fit your needs and enjoy airport lounge access on your next trip.

1. American Express Platinum

Why We Like It The American Express Platinum card is a great choice for frequent travelers as it offers exclusive travel benefits such as access to airport lounges, complimentary hotel upgrades and concierge services. Cardholders also receive a welcome bonus of Membership Rewards points upon sign-up.

• Intro Offer: Cardholders can receive up to 30,000 bonus Membership Rewards points upon sign-up if they spend €3,000 in the first 3 months.

• Annual Fee: €660 per year

• Lounge Access Details: Cardholders get access to over 1,200 airport lounges worldwide, including Centurion Lounges, Priority Pass, Plaza Premium, and Delta Sky Clubs.

Get American Express Platinum Now!

2. spardamastercard platinum.

Why We Like It SpardaMastercard Platinum offers its users access to airport lounges at more than 900 airports around the world. The card also comes with travel insurance, purchase protection, and extended warranty for added peace of mind.

• Intro Offer: Currently, the card does not have an introductory offer.

• Annual Fee: The annual fee for SpardaMastercard Platinum is €150.

• Lounge Access Details: Cardholders can enjoy unlimited access to over 900 lounges worldwide with the Priority Pass program.

Get SpardaMastercard Platinum Now!

3. volksbanken raiffeisenbanken visa platinum plus.

Why We Like It The Volksbanken Raiffeisenbanken Visa Platinum Plus card offers an extensive range of exclusive travel benefits to its cardholders. The card also provides comprehensive insurance coverage for travel accidents and medical emergencies, as well as lost or delayed luggage.

• Intro Offer: The card offers an introductory interest rate of 0% for the first three months on balance transfers.

• Annual Fee: The annual fee for the card is €120.

• Lounge Access Details: The card provides complimentary access to more than 1,000 airport lounges worldwide through the LoungeKey program.

Get Volksbanken Raiffeisenbanken Visa Platinum Plus Now!

4. deutsche bank mastercard platin.

Why We Like It Deutsche Bank MasterCard Platin is an excellent option for those who frequently travel and want to enjoy exclusive benefits. This card offers a comprehensive travel insurance package, free use of lounges, and exclusive discounts at airports.

• Intro Offer: The card does not have an intro offer.

• Annual Fee: The annual fee for the Deutsche Bank MasterCard Platin is €250.

• Lounge Access Details: The card offers free access to over 1,000 lounges worldwide, including Priority Pass, LoungeKey, and Deutsche Bank lounges.

Get Deutsche Bank MasterCard Platin Now!

5. diners club vintage card.

Why We Like It The Diners Club Vintage Card offers exclusive access to airport lounges worldwide, making it an ideal choice for frequent travelers. The card also offers a comprehensive travel insurance package and flexible reward redemption options, making it a well-rounded choice for travelers.

• Intro Offer: The card does not currently have an introductory offer.

• Annual Fee: The annual fee for the Diners Club Vintage Card is €195.

• Lounge Access Details: The Diners Club Vintage Card provides access to over 1,000 airport lounges worldwide, including major airports in Germany and other countries. Cardholders can also access a range of other exclusive privileges and services.

Get Diners Club Vintage Card Now!

Types of lounge programs in germany.

Priority Pass Priority Pass is a global lounge access program that provides members with access to over 1,300 airport lounges worldwide, including over 30 lounges in Germany. Members can choose from a range of membership options, with different annual fees and benefits. Priority Pass membership can be obtained directly or through a participating credit card.

Lufthansa Lounge Lufthansa Lounge is the airport lounge program for Lufthansa and its partners. The lounges are available to passengers travelling on Lufthansa Group flights and to certain elite members of partner airlines. The lounges offer a range of amenities, including food and beverage options, comfortable seating, and workspaces.

LoungeKey LoungeKey is a global airport lounge access program that provides members with access to over 1,000 lounges worldwide, including over 10 lounges in Germany. Members can use their LoungeKey membership to gain access to participating lounges, regardless of their airline or travel class. LoungeKey membership can be obtained directly or through a participating credit card.

Germany Airport Lounge FAQ

Can I access other European lounges with a German credit card? It depends on the lounge program associated with your German credit card. Some lounge programs like Priority Pass and LoungeKey offer access to lounges worldwide, including in other European countries. However, it’s important to check the terms and conditions of your credit card and the specific lounge program to see if there are any restrictions or fees for accessing lounges in other countries.

Can I access North American lounges with a German credit card? Yes, some German credit cards offer access to North American lounges. The specific lounges that you can access with your German credit card will depend on the lounge program associated with the card. For example, the American Express Platinum Card offers access to Centurion Lounges, Delta Sky Club lounges, and Priority Pass lounges in North America. However, it’s important to check with your credit card issuer to confirm the specific lounge access benefits that come with your card.

Which German credit cards offer free airport lounges? (i.e., no annual fee) Unfortunately, there are no credit cards in Germany that offer free airport lounge access without an annual fee. Most credit cards with airport lounge access benefits require an annual fee. However, some cards may offer discounted or limited access to airport lounges as a benefit. It’s essential to read the terms and conditions of each credit card to understand the lounge access benefits that come with it.

Which German banks offer airport lounge access? Many German banks offer airport lounge access as a benefit for their premium credit cards, such as Deutsche Bank, Commerzbank, DKB, and Sparkasse. However, the lounge access privileges may vary depending on the specific credit card and the bank’s partnership with lounge programs. It’s recommended to check with the bank or credit card issuer for the exact details of lounge access benefits.

Conclusion In conclusion, there are several German credit cards that offer airport lounge accessas a benefit, including the American Express Platinum, SpardaMastercard Platinum, Volksbanken Raiffeisenbanken Visa Platinum Plus, Deutsche Bank MasterCard Platin, and Diners Club Vintage Card. The most common lounge programs in Germany include Priority Pass, Lufthansa Lounge, and LoungeKey. While access to other European and North American lounges with German credit cards may be limited, it is possible with certain cards and lounge programs. It is important to carefully review the terms and conditions of each credit card to understand the lounge access benefits and any associated fees.

Overall, credit cards with airport lounge access provide a great value proposition for frequent travelers, offering an enhanced travel experience and added benefits such as travel insurance, rewards points, and other perks. It is worth considering these credit cards if you are a frequent traveler and want to make the most out of your airport experience.

Credit Cards In Germany For Expats (2024 Guide)

Even though cash payments are still the most popular form of payment in Germany, having a credit card can be advantageous and even necessary in some circumstances. As an expat, to avoid getting tricked into an expensive credit card from your German bank or ending up with unnecessary foreign exchange fees, we are here to guide you to the best credit cards in Germany.

Need for Credit Card In Germany

• Deposits and Large Payments:  Car rental companies will request a deposit to cover potential damages whether you are renting a vehicle in Germany or overseas. Car rental companies do not always accept debit cards. Unexpectedly high medical bills following an accident, particularly when they occur overseas, frequently necessitate a credit card with a higher credit limit. In New York City, I tore a ligament in my ankle while studying. I had to pay roughly US$2,000 for the x-ray, ultrasound, and doctor’s visit. I was glad I carried a credit card to pay for those expenses.
• International Payments:  Whether travelling for work or vacation, using your German girocard to make purchases overseas will cost you a lot of money or possibly not be accepted at all. Internationally, credit cards are widely accepted. 
• Money Withdrawal Abroad:  When travelling abroad, it is always convenient to have at least some cash on hand. You can make cash withdrawals from any ATM in the world using a credit card.

Quick Comparison of The Best Free Credit Cards In Germany

Benefits of payback american express card.

• The advantages of the PAYBACK American Express card :Get PAYBACK extra points at the start 1
• Permanently free of contributions
• Receive 1 point for every 2 euros spent with every card payment, even outside of PAYBACK Partner 2
• Additionally receive regular points from all PAYBACK partners
• 1 additional card free of charge
• No expiration of points 3
• Extended return policy for your purchases – even online
• Personal telephone service 24/7

Requirements For A Payback American Express Card and Advanzia Mastercard Gold:

• you are 18 years or older
• you are registered in Germany
• you receive a regular monthly income
• you have a German mobile phone number
• you have a German bank account
• you have a valid passport
• for non-EU nationals: valid residence permit
• you have a good  SCHUFA score (credit history)

Credit Card Comparison Table for Expats:

After reading this complete guide, you will have a better understanding of why getting one or even two credit cards is crucial and you will be able to pick the right free credit card in Germany as per your needs.

Now, you can easily compare the credit cards. Click here to calculate and compare the credit cards. COMPARISON CALCULATOR

The American Express Card

The classic from  American Express  – worry-free travel with travel comfort insurance

• Only 5 euros per month including 1 additional card
• permanently free of charge if you use the card regularly
• 90-day return policy, online and offline
• Bonus program Membership Rewards® points (1 euro = 1 point)
• personal 24 hour telephone service

The Gold Card

The right card for frequent travellers – Bring  gold  into your life.

• 72 euros starting credit
• Alternatively, 20,000 Membership Rewards points can be redeemed as a welcome gift with card sales of 3,000 euros or more within the first 6 months, e.g. in Amazon.de vouchers worth 75 euros
• Travel comfort package including travel cancellation costs, international health insurance, luggage and travel accident insurance
• Selected special conditions at Sixt, for the Golf Fee Card and the Priority Pass for more than 850 Airport VIP Lounges
• Membership Rewards® bonus program included (1 euro = 1 point)

The Platinum Card

The card for the highest demands

• Personal  Platinum Card  travel & lifestyle service
• 100 euros starting credit or 30,000 Membership Rewards points as a welcome gift, with card sales of at least 6,000 euros within the first 6 months
• Comprehensive travel insurance package for the whole family
• Access to over 850 Airport VIP Lounges worldwide with the Priority PassTM for the cardholder and the Platinum additional cardholder
• Exclusive tickets and events from the areas of gourmet, entertainment & culture, sports and fashion
• 1  Platinum Card  additional card, e.g. B. for partners

Types of Credit Cards in Germany

When purchasing in Germany, it is common to hear someone inquire, “Kann ich mit Karte zahlen?” This usually refers to using a debit or Girocard instead of a credit card. In Germany, the word “credit card” (Kreditkarte) is frequently used to refer to a variety of services. These four types of credit cards are available in Germany.

• Charge Credit Card:  In Germany, charge credit cards are the most popular kind of credit card. It collects all your payments in 30 days. You will receive a credit card statement at the end of those 30 days, and your linked bank account will be debited for the full amount. If there are insufficient funds in your bank account , you will experience an overdraft on your balance. Overdraft interest rates are lower than those of revolving credit cards. The process may appear strange to you because it does not give you credit. Charge credit cards are typically issued by conventional banks like Deutsche Bank or Commerzbank .
• Revolving Credit Card:  Most likely, the revolving credit card better suits your definition of a credit card, as it allows you actual credit, let us say of 2.500 euros. Every purchase you make is reduced from that allowance. At the end of the month, you will receive your credit card bill which will include all amounts of purchases. You will not be charged interest if you choose to wire transfer the entire amount from your bank account at that point. Despite this, most revolving credit card issuers allow you to pay in instalments in return for high interest rates on the outstanding balance.
• Debit Card:  Even though we are aware that a debit card is not the same as a credit card, we still want to bring it up because, in Germany, debit cards are the most widely used kind of banking card. Mobile banks such as N26 only provide debit cards; they do not offer credit cards. Every purchase made with a debit card will automatically come out of your bank account . This can happen instantly or over a day, depending on your bank. As a result, you do not have a “true” credit.
• Prepaid Credit Card:  A prepaid credit card is only valid if you transfer money from your checking account before use. This is great for controlling your spending or setting yourself a budget; however, you do not have a ‘true’ credit. A prepaid credit card is also a great option in case you do not have a SCHUFA score yet or your score is bad. For more information, read our guide below.

Here are a few good reasons to have a prepaid credit card in Germany: The reasons to have a prepaid credit card are not any different from why it is good to have a regular credit card. 

International Payments

You can make purchases outside of the Eurozone with a credit card. If you have a regular German bank account, the old-fashioned German giro card you receive will either not be accepted or cost you a lot of money.

Money Withdrawal Abroad

Depending on what country you are travelling to, you should carry some cash with you. With a credit card, you can withdraw cash at any ATM worldwide.

Online Payments

You may need to use a debit or credit card when shopping online, depending on the product and online retailer you choose.

Consumer Protection

If a payment was made with a false or fraudulent amount, you have up to eight weeks to request that your credit card company reverse it. There are fewer opportunities for you to remember to make the payment when you pay by direct debit.

Theft Protection

While it feels bad, when you get robbed or lose your credit card, a prepaid credit card has the benefit that the balance and possible fraudulent use are capped to the balance on the card. Depending on the credit limit on your card, potential misuse of a regular credit card could result in more significant financial harm.

Deposits and Large Payments

Suppose you would like to rent a car in Germany or overseas. Only in cases where you can provide a credit card for the deposit is it feasible. You must first wire sufficient funds onto your prepaid credit card to use it for these kinds of transactions. When there was enough money on the card, I was able to use it to rent a car. However, you should check with the rental company beforehand because sometimes the cards are rejected.

How to Increase Your Credit Card Limit?

When you get a credit card, you get a set limit. This limit is usually based on an algorithm that takes all your personal information, income, Schufa score, and other factors into notice. Sometimes this limit can be relatively low.

Frequent use of the card is the best way to raise your limit. After a few months, if your salary exceeds your limit, you can contact customer service and submit your last three payslips as proof that you can manage a higher limit. In our experience, using this method allowed for a limit increase.

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Best Credit Cards in Germany: A Mega List (11+)

» Last updated on January 21st, 2024 at 07:55 pm

Whether you’re visiting Germany for a very short trip or moving here permanently, it is wise to have an account with a credit card. That’s why you might want to have a free credit card in Germany. If you really want to know which are the Best Credit Cards in Germany then this post will certainly help you.

What is the Best Credit Card in Germany?

When traveling to Germany or you already live in Germany then it’s really very important to have a credit card that can handle all of your expenses. Not only will this help you avoid overspending, but it will also make your travel experience smoother and easier. Here are five of the best credit cards in Germany :

Top Free Credit Cards in Germany (11+)

The different credit cards that are available in Germany offer awards and benefits to their members. In this section, we’ll break down the top credit cards for Germans and where you can find them for free. Below you will find the list of Top Free Credit Cards in Germany .

1 . Gebuhrenfrei MasterCard Gold

If you’re looking for a way to save money on your expenses, consider applying for a Gebuhrenfrei MasterCard Gold. This card is perfect for people who want to save money on their groceries or travel expenses.

Gebuhrenfrei MasterCard Gold comes with a variety of benefits, including no annual fees, no foreign transaction fees, and an emergency cash withdrawal feature located at most banks. With this card, you’ll be able to enjoy discounts on your shopping and dining experiences.

Plus, you can use the card to pay for transportation and other common bills. Apply now and start reaping the benefits of savings today!

Gebuhrenfrei MasterCard Gold Special Offer (€60 joining bonus)

• €60 Joining Bonus (only through this link )
• Lifetime free!
• No hidden charges
• Up to 7 Weeks (49 Days) Interest-free period
• Zero foreign transaction charges
• Free Travel Insurance and all other benefits of Mastercard Gold
• Highly recommended by other users

2 . GenialCard by Hanseatic Bank

Hanseatic Bank has created a new generation of debit cards. The GenialCard is a contactless card that can be used to make payments in stores, online, and at ATMs. It features global acceptance and low fees.

The card can be used in more than 100 countries, making it the perfect choice for international travelers. The card also offers theft protection and fraud monitoring.

3 . Barclay Visa Card

The Barclay Visa Card is a great way to get the most out of your finances. With a variety of benefits and features, this card can help you save money on groceries, travel, and more. There are also no annual fees or hidden charges, so you know that your money will be safe.

Plus, the card offers 24/7 customer support. If you have any questions or concerns about your account, contact Barclay Visa Card today.

4 . TF Bank MasterCard

TF Bank is a great option for those who want a quality credit card that offers great rewards. The TF Bank MasterCard offers a number of benefits including: no annual fees, 2% cash back on all purchases, and access to TF Bank’s exceptional customer service.

Additionally, the card has a low-interest rate and a wide range of options. So whether you’re looking for a budget-friendly option or something with more perks, the TF Bank MasterCard is an excellent choice.

5 . Amazon Prime Visa Card

If you’re an Amazon Prime member, you may be interested in the Amazon Prime Visa Credit Card. This card is perfect for people who shop a lot on Amazon. It has low-interest rates and no annual fees.

Moreover, you get 3% cash back on all your purchases, which really helps out when you’re trying to save money. You can also use the card to pay for items at Amazon and other stores.

6 . PayPal Business MasterCard

If you are in business and need a way to make online payments, the PayPal Business Debit Mastercard might be the perfect option for you. This card allows businesses to accept debit and credit cards online.

It is backed by PayPal, so you know that your customers’ data is safe and encrypted. Plus, the card has no annual fees, so you can save money on your expenses each year.

7 . Sparkasse Credit Card (MasterCard/Visa Card)

Sparkasse offers both MasterCard and Visa Card. Their Credit Cards are a great way to build your credit history and get approved for loans in the future. With a Sparkasse Credit Card, you’ll have access to many different benefits, including low-interest rates, rewards programs, and reduced withdrawal fees.

N26 is a new credit card that offers a lot of benefits for consumers. One of the most important features is the no-fee overseas transactions. This means that you can spend money abroad without having to pay any fees. Additionally, N26 offers great security features.

The card has an embedded digital fingerprint scanner and a chip that stores your personal information. This makes it very difficult for someone else to access your information.

9 . ComDirect Credit Card

If you are looking for a good credit card, the ComDirect Credit Card is a great option. This card has low-interest rates and excellent customer service. Plus, it offers a rewards program that can provide you with some extra cash when you use it.

The ComDirect Credit Card also offers international travel protections, which can help you avoid expensive repairs or lost luggage if something goes wrong while you’re traveling.

10 . DKB Visa Card

DKB Visa Card is a great way to save money on your shopping. You can use it at millions of places all over the world. Plus, it has some great safety features, like chip and pin security and fraud protection. So you can be sure that your data is safe when you are using the DKB Visa Card.

11 . Deutschland-Kreditkarte

If you’re looking for a way to finance your purchases, a Deutschland-Kreditkarte may be the best option for you. This card is specifically designed for residents of Germany and allows you to use it to purchase items in most countries around the world.

The card also has favorable terms, so you’ll be able to enjoy low-interest rates and minimum payments.

12 . Santander 1 Plus

Santander 1 Plus is a great credit card that offers a lot of benefits for its users. First and foremost, it offers great rewards for both spending and saving. You can earn up to 3x points on all your purchases, and you can redeem those points for a variety of rewards like cash back, travel credits, or products from sponsored brands.

Additionally, Santander 1 Plus offers protection against card theft, which is especially important if you use your card regularly for expenses like groceries or gas. If you have any questions about the Santander 1 Plus or any of its features, don’t hesitate to reach out to our team. We’re here to help!

Most Popular Credit Cards Brands in Germany

• American Express : American Express is one of the most well-known and reputable credit card brands in the world, and their cards are widely accepted in Germany. They offer a variety of benefits, including airport lounge access and discounts on hotels and restaurants.
• Visa : Visa is another popular credit card brand in Germany, and their cards are widely accepted throughout the country. They offer a variety of benefits, including discounts on hotels and restaurants as well as travel insurance.
• MasterCard : Mastercard is another popular credit card brand in Germany, and its cards are widely accepted throughout the country. They offer a variety of benefits, including discounts on hotels and restaurants as well as travel insurance.
• Diners Club International : Diners Club International is a specialty credit card that is only available to members of certain clubs. However, even if you don’t have a Diners Club.

What is a credit card?

A credit card is a type of card that allows you to borrow money from a lender. When you use your credit card, the lender agrees to give you a set amount of money as soon as you pay back your debt. This means that your credit score will be improved because you are making regular payments on your debt.

There are many different types of credit cards, but the three most common are plastic, cash-back, and rewards cards. Plastic cards are the most common type and offer the best rates and terms.

Cash-back cards usually offer consumers a percentage of their purchase back in rewards, which can be used at any time. Rewards cards usually offer higher rates than plastic or cash-back cards and usually have more benefits, such as free travel rewards or discounts on specific products.

So which is the best credit card for you? That depends on what you want from your card. If you just want a reliable way to borrow money, a plastic card is probably the best option. If you’re looking for high rates and rewards, a cash-back card might be better for you.

And finally, if you’re looking for additional benefits, like free travel rewards or discounts on specific products, a rewards card may

What Benefits a German Credit Card can Offer?

If you’re looking for a credit card that offers great benefits, you’ll want to consider a German credit card. These cards offer different perks, such as travel insurance and free travel delays and cancellation. Here are some of the best benefits of having a German credit card:

👉 Free travel delays and cancellations : If something goes wrong with your trip, a German credit card can help get you back on track quickly. This includes things like missed flights, missed connections, or accidents while traveling.

👉 Earn rewards : Many German credit cards offer rewards for everyday actions like shopping and dining out. You can even earn points for using your card at high-value merchants like airline companies and hotels.

👉 Low-interest rates : Many German credit cards offer low interest rates, which can help you save money on your monthly bills. Compare rates and find the best card for you before applying.

A German credit card can offer a lot of benefits that are not available on American credit cards. For example, a German credit card may have lower interest rates and more generous rewards programs.

Additionally, many German banks offer debit cards that can be used in addition to or instead of a traditional bank account.

This can be a great way to get access to your money without having to carry around lots of cash. Debit cards also often have lower fees than traditional bank accounts.

There are a number of different German credit cards available, so it is important to do some research before choosing the one that is best for you. The best way to find out about all the different German credit cards is to visit a website like CreditCardForum.net.

How do you get a German Visa or Mastercard?

If you are looking for a German Visa or Mastercard, the process is not as difficult as one might think. In fact, most credit card providers have offices in Germany, and the application process is usually quite straightforward. Here are some tips to help you get started:

First , determine what type of credit card you want. There are several types of cards available in Germany, including regular Visa cards and Diners Club cards. Make sure to find out which type of card is best for your needs.

Next , gather your documentation. You will need to provide your driver’s license, passport, and other required documents. Most providers also require proof of income, such as a bank statement or recent pay stubs.

Finally , apply for your card. Most visa and MasterCard applications can be completed online, although some providers may require that you visit a physical office.

Once you have completed the application process, bring your documents to the bank where you plan to use the card and show them the approval letter or card number that you received in the mail.

What Credit Cards can be used in Germany?

Most credit cards can be used in Germany, including American Express, Visa, Mastercard and Diners Club. However, there are a few restrictions that you should be aware of. For example, some credit cards are not accepted at certain stores or at certain times of the day.

Additionally, some credit cards have higher interest rates than others. It is important to research which credit card is best for you before you travel to Germany.

Buying Things with a German Credit Card

If you’re looking to get a German credit card, there are a few things to keep in mind. First, the interest rates are generally lower than in the U.S., and the minimum payment threshold is typically much lower as well.

Second, foreign transactions are often exempt from fees, so if you’re regularly spending money abroad, this could be a good option for you. Finally, be sure to read the terms and conditions carefully – some cards have limits on how much you can spend each month, for example.

If you’re looking for a credit card that will help you save money on your purchases in Germany, you’ll want to consider getting a German credit card. There are a number of excellent options available, and all of them offer great benefits for shoppers in Germany.

One of the best German credit cards is the Kreditkarte des Deutschen Reiches (KDK). This card offers an excellent rate of 1.99 percent on all purchases, plus a number of other benefits. Plus, it comes with 24/7 customer support, so you can always get help if you need it.

Another great option is the American Express Centurion Card. This card offers an excellent rate of 2.95 percent on all purchases, plus a number of other benefits. It also comes with 24/7 customer support, so you can always get help if you need it.

If you’re looking for a German credit card that offers the best rate possible, either of these cards would be a great choice. Either one would save you lots of money when shopping in Germany.

The Best Credit Card to Use in Germany

There are a few great credit cards to use in Germany. Here are the top three:

• Diners Club International : This card is perfect for people who want a good balance transfer rate and a wide range of benefits. It offers a 0% introductory APR for 6 months, so you can save on your interest payments too.
• American Express : American Express is another great option for people who want good rewards and a wide range of benefits. It offers a 2% cashback rate on all purchases, so you can earn a little extra money on every purchase.
• Visa : If you only need a basic credit card with no frills, Visa is a perfect choice. It has no annual fees and offers a decent rewards rate (1%) on all purchases.

Best of the Best Credit Card in Germany: Gebuhrenfrei MasterCard Gold

If you’re looking to cut down on your expenses while traveling, a Gebuhrenfrei MasterCard could be the perfect solution. This card offers numerous benefits including no foreign transaction fees, no annual fees, and no discounts for using it at international locations.

How to Apply for a German Credit Card

If you want to purchase items in Germany, you’ll need a German credit card. There are many different types of German credit cards, and it can be difficult to decide which one is the best for you.

Here are some tips on how to apply for a German credit card:

• First, decide what type of German credit card you want. There are three main types of German credit cards: plastic, unlimited, and prepaid
• Next, research the different types of German credit cards. Make sure to read the terms and conditions of each card carefully
• Finally, apply for a German credit card that meets your needs. You can apply online or in-person at a financial institution

Using Your Credit Card in Germany

• Credit cards are a popular way to spend money in Germany
• There are a number of different credit card companies that offer cards in Germany
• The best credit card for spending in Germany is usually the one that offers the best rates and rewards
• Before you choose a credit card, it is important to research which one offers the best rates and rewards for your needs. There are a number of websites that can help you do this
• Once you have chosen a credit card, be sure to read the terms and conditions carefully. These will contain information about how to use the card, as well as important information about fees and interest rates

Pros and Cons of a German Credit Card

When it comes to credit cards, Germans have a variety of options available to them. However, not all of these cards are ideal for all Germans. In this article, we will discuss the pros and cons of the best German credit card.

The benefits of having a German credit card are that it offers a high degree of security. This is because the card is linked to your bank account, which means that you can always access your funds if you need to. Furthermore, German credit cards tend to have low-interest rates, which is great news for those who are struggling to pay off their debts.

However, there are some drawbacks to using a German credit card. For example, most German credit cards do not offer rewards programs. This means that you will not receive any bonuses or discounts for using your card.

Additionally, some Germans find that the card forms part of their identity and feel uncomfortable using other cards in public.

Ultimately, it is important to choose the right German credit card for you. By reviewing all of the available options, you can find the perfect card for your needs.

If you are a student and trying to come to Germany then not only a credit card is important but also need to know about the Blocked Account in Germany. Please have a look at this post Blocked Account in Germany .

Fake Credit Card Germany

If you’re ever worried that your credit card may have been compromised, you should check your statement closely. A lot of people don’t realize that fake credit cards are being used all over Germany.

In fact, there have been cases where people have had their cards canceled because they unknowingly used a fraudulent card. It’s important to keep an eye out for any suspicious charges and report them to your bank as soon as possible.

But sometimes you may wanna make a Fake Credit Card Number for many purposes then you can use this free fake credit card generator service.

FAQs about applying for a German credit card

There are a lot of things to consider when applying for a German credit card, and it can be confusing. To make things easier, we’ve compiled a list of the most common FAQs about credit cards in Germany.

Do I need a German credit score to apply for a German credit card?

No, you don’t need a German credit score to apply for a German credit card. However, you will likely need a good credit history in order to get approved for a card with decent terms.

How long does it take to get approved for a German credit card?

It typically takes around two weeks to process an application, but this can vary depending on the bank. Keep in mind that there are also some restrictions on certain cards that may take longer to approve.

Can I use my existing American or British credit card in Germany?

Yes, most American and British credit cards are accepted in Germany. However, some banks have stricter rules about which cards are accepted, so it’s important to check with your bank before traveling to Germany.

What’s the best credit card for traveling in Germany?

There are many different credit cards that are accepted in Germany, so it’s hard to recommend just one. However, if you want the best overall experience and the most flexibility, we recommend the Gebuhrenfrei MasterCard Gold .

In contrast to most countries, German credit cards allow people to make purchases in high street stores from their wallets. The card, therefore, acts as a key for shopping, even outside of Germany.

How to Choose a Credit Card

When it comes to choosing the best credit card in Germany, there are a few things to keep in mind. First, you need to decide what type of credit you have. If you have good credit, you might want to consider a card with lower interest rates.

Second, find out what kind of rewards you can earn with the card. Some cards offer bonus points for every dollar spent, while others give you free travel or discounts on your next purchase.

Finally, make sure that the card is accepted by merchants in your area. Many card companies have agreements with major chains like Amazon and Starbucks. This means that you can use your card at those stores without having to pay extra fees.

Once you have narrowed down the choices, it’s time to compare rates and rewards. The best credit card in Germany is one that meets all of your needs and interests.

Is it possible to get a credit card while visiting Germany?

Yes, it is possible to get a credit card while visiting Germany. You can find a number of banks that offer credit cards to foreigners. There are also several online lenders that offer credit cards to foreigners.

Before you apply for a credit card in Germany, make sure you have the following information: your passport, your visa, your residency permit, and your bank account number. If you don’t have any of these documents, you will not be able to open a German bank account and apply for a credit card.

After you have all of the necessary documents, it is time to apply for a credit card. You will need to fill out an application form and provide proof of income and financial stability. You will also need to provide proof of identity and social security numbers.

After you have completed the application form, you will need to send it along with supporting documents to the bank or lending institution that you want to apply with.

If you are approved for a credit card in Germany, be sure to pay it off every month. This will help you avoid high interest rates and negative accounts balances.

Should you have a credit card while traveling in Europe?

Yes, you should have a credit card while traveling in Europe. Credit cards are a great way to get emergency cash and avoid high fees when making purchases.

• What’s the best credit card for traveling in Germany? There are many different credit cards that are accepted in Germany, so it’s hard to recommend just one. However, if you want the best overall experience and the most flexibility, we recommend the American Express credit card. It offers good rewards rates and a variety of beneficial features, such as travel insurance and roadside assistance.

Prepaid credit cards in Germany

One of the best things about living in Germany is that there are so many great credit cards to choose from. In this article, we’re going to describe the five best credit cards in Germany.

• Pre paid Credit Cards: Prepaid credit cards are a great way to build up your credit score and avoid high interest rates. They are also a great way to accumulate savings over time. There are several prepaid credit card companies in Germany, and each one offers a different type of card.
• Low APR Credit Cards: If you want a low-interest credit card, you should consider applying for a low APR card. These cards offer introductory rates for a limited time period, and then typically have an APR of around 24%.
• Cash Back Credit Cards: If you’re looking for a card that gives you cash back on your purchases, you should consider applying for a cash back credit card. These cards typically offer 1% back on all your purchases, which can add up over time.
• Balance Transfer Credit Cards: If you have good credit and want to move your existing debt from one card to another, you should consider applying for a balance

When it comes to choosing the best credit card in Germany, there are a few things you need to take into account. First and foremost, you’ll want to make sure that the credit card has good customer service if something goes wrong.

Additionally, be sure to consider your spending habits and whether the credit card offers great rewards programs. And last but not least, make sure that the credit card is accepted by merchants in your area. With these tips in mind, you’re guaranteed to find the perfect credit card for your needs!

The credit card is an essential part of our lives. And when it’s not convenient to move from your home or even find a friend with the cash you need, you can always rely on the ATM to take care of that for you. There’s still one more way to get the money you need – applying for a credit card!

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Best Free Credit Card In Germany For Expats

Researched & written

by Yvonne Koppen

July 10, 2024

Credit cards from traditional banks in Germany often come with hefty fees. There are better and free options, also for foreigners living in Germany. In this guide, we will review and compare the best free credit cards in Germany for foreigners; here is a quick summary:

• TF Bank Mastercard Gold – easy to get even with bad credit score. Worldwide fee-free usage, however with some hidden interest rates on cash withdrawals.
• Advanzia Gebührenfrei Mastercard  – easy to qualify for and worldwide fee-free usage, however with some hidden interest rates on cash withdrawals.
• PAYBACK American Express Card – the only free Amex card with great possibilities to collect PAYBACK points; however, with fees for cash withdrawals and foreign payments.

After reading this guide, you will have a better understanding of why getting one or even two credit cards is important and you will be able to pick the right free credit card in Germany for your needs.

Good to know

Don’t apply within your first weeks in Germany to increase your chances of being accepted as a customer. Give it at least 3 months’ time to create a Schufa record and settle so that your perceived risk level as a credit card customer gets lowered.

🖌️ Table of Contents

3 reasons why you need a credit card in Germany

1. deposits and large payments.

When renting a car in Germany or abroad, rental car companies will ask you to leave a deposit to cover potential damages. A debit card is not always accepted by car rental companies.

Unexpected large payments, especially abroad, for medical care after an accident often require a credit card with a larger credit limit. While I was studying in New York City, I tore a ligament in my ankle. It cost me about 2.000 US dollars to see the doctor and to get an x-ray and ultrasound. I was very happy that I had a credit card with me to cover those charges.

2. International payments

Whether you are on a business trip or on vacation, your German girocard will be extremely expensive to pay for things abroad or not even accepted. Credit cards are widely accepted overseas. We always travel with at least two different credit cards , as one can easily be lost, stolen, or eaten by an ATM for no reason (yup, we speak from experience 🙈).

3. Money withdrawal abroad

It is always handy to carry at least some cash with you when traveling abroad. With a credit card, you can withdraw money at any ATM worldwide.

What are the different credit card types in Germany?

In Germany, you will often hear people ask whether they can pay a purchase by card ( Kann ich mit Karte zahlen? ). Most of the time, this does not mean with a credit card, but with a debit or girocard. The term credit card ( Kreditkarte ) is widely used in Germany to describe different services. These are the 4 different kinds of credit cards that exist in Germany.

1. Charge credit card

The most common type of credit card in Germany is a so-called charge credit card. It gathers all of your payments within 30 days. After those 30 days, you will receive a credit card statement, and the total amount is deducted from your linked bank account. Should your bank account not have enough funds, your balance will go into overdraft. The interest on overdraft is usually less than the interest fee of revolving credit cards.

Depending on where you are from, this system will be unusual for you, as it doesn’t really give you real credit. Traditional banks such as Commerzbank or Deutsche Bank will usually issue charge credit cards.

2. Revolving credit card

Most likely, the revolving credit card fits your understanding of a credit card better, as it allows you actual credit, let’s say of 2.500 euros. Every purchase you make deducts from that allowance. At the end of the month, you will receive your credit card bill with the accumulated amount of all purchases. Should you then pay the full amount via wire transfer from your bank account, you will not pay interest. However, most revolving credit card providers offer you to pay in installments in exchange for costly interest fees on the unpaid credit.

3. Debit card

We know that a debit card is not an actual credit card; however, we don’t want to leave it unmentioned, as it is the most common type of banking card in Germany. Mobile banks like N26 do not offer a credit card, but instead only a debit card. With a debit card, each purchase will automatically be deducted from your bank account. Depending on your bank, this happens instantly or within 24 hours. Therefore, you do not have a ‘true’ credit available. 

4. Prepaid credit card

A prepaid credit card only works if you transfer money from your checking account before use. This is great for controlling your spending or setting yourself a budget; however, you do not have a ‘true’ credit. A prepaid credit card is also a great option in case you do not have a SCHUFA score yet or your score is bad. For more information, check out our guide below.

Read Our Related Guide

Best Prepaid Credit Cards in Germany

Throughout this guide, we will only focus on charge and revolving credit cards , as these are the only ‘true’ credit cards that actually give you credit.

Simple Germany’s Hot Tip

All credit card providers only offer their services in German, so we suggest you use Chrome as a browser. With a right-click, you can translate the page to English.

What is the best credit card type to use in Germany?

The best credit card type to use in Germany is a Visa credit card or a Mastercard. The credit card provider American Express is not so commonly accepted, as shops and restaurants would have to pay much higher fees to offer it.

Additionally, American Express cards are quite expensive for owners as well. The PAYBACK American Express card is the only Amex credit card without an annual fee. We review it further down in this guide. To learn more about the PAYBACK program, Germany’s largest loyalty and rewards program, please refer to our related guide below.

PAYBACK Card In Germany [What Is It And Should You Get One?]

What are the best free credit cards in Germany?

Here are our top picks for the best free credit card in Germany for foreigners this year.

❗️❗  Very Important Note

After successfully applying to any of these credit cards, you need to follow these two steps; otherwise, you will not receive the credit card: 1. Verify your ID via IDnow, a video call, or a local postal office 2. Sign an activation letter that you receive via email or postal mail and send it back So be sure to check your email and postal mailbox frequently within the next two weeks after your application .

1. TF Bank Mastercard Gold

The TF Bank Mastercard Gold is one 100% free of charge with no annual fee, and you can link it to any checking account of your choice. Take a look at our guide on  Best German Bank for English Speakers  to find the best checking account.

Two unique things that make this card so popular. The ease of applying for the card, especially if you have just moved to Germany. It also seems to be the most accessible card to get, and where you do not need a long credit history. We can confirm that our readers get accepted most by this credit card.

You do not pay foreign currency fees; however, there is one caveat. Based on our research, the card and marketing on the homepage are very consumer-friendly with basically no fees. However, there are some major hidden fees, when it comes to cash withdrawals. TF Bank will charge you an immediate interest fee from the day you make the withdrawal until you wire the amount you withdrew back onto the Mastercard, even though the withdrawal itself has no fees. 

So either you don’t use this card to withdraw cash or balance out the amount you took out on the same day, to limit these fees.

The TF Bank Mastercard Gold also includes travel insurance, if you pay at least 50% of the travel booking with this card. Be sure to check the fine print though on what is actually covered and whether you need another add-on travel insurance. You also get a 5% cashback if you use the card to pay for travel bookings or rental cars.

The TF Bank mobile app is available in English, making handling the card easy. However, the sign-up process is only available in German. We have written an in-depth, step-by-step guide on how to get a TF Bank Mastercard Gold credit card online to help you out.

How To Order & Activate Your FREE TF Bank Mastercard Gold

Requirements For A TF Bank Mastercard Gold:

• you are 18 years or older
• you have a German mobile phone number
• you receive a regular monthly income
• you have a German bank account
• you have a valid passport
• for Non-EU nationals: you need to have a residence permit with a validity of 24 months after application
• your Meldebescheinigung (in some cases)

TF Bank Mastercard Gold Benefits:

✅  no annual fee – permanently free ✅  no foreign currency fees ✅  no cash withdrawal fee worldwide (❗but 24,79% annual interest rate) ✅  no checking account obligation  ✅  convenient contactless Apple & Google Pay ✅  user-friendly app to control the card (also available in English) ✅  quick and easy online application with high acceptance

TF Bank Mastercard Gold Drawbacks:

❗  24,79% annual interest rate on cash withdrawals and partial debit payments ⛔️  no refund of foreign ATM fees ⛔️  only German website & customer service ⛔️  no 100% SEPA direct debit possible ⛔️  no ability to transfer money for a positive balance ⛔️  activation process seems to be slow

Repayment And Settlement Of Balances

The TF Bank Mastercard Gold is a revolving credit card and only has the option of manually balancing out your acquired debt. You have  no option for 100% direct debit to settle your balance. Instead, you will be invoiced monthly and must pay that invoice on time or otherwise pay high-interest rates from the day of purchase.

To help you with the application process, we have written an in-depth, step-by-step guide on how to get and activate your TF Bank Mastercard Gold online .

2. Advanzia Mastercard Gold (aka Gebührenfrei)

The Advanzia Mastercard Gold , also known as Gebührenfrei Mastercard, has been a big player on the market for some time, and some say it is the best credit card for expats in Germany.  

Similar to the TF Bank Mastercard Gold, the card and marketing on the homepage are very consumer-friendly; however, this card has the same hidden fees on cash withdrawals. Advanzia Bank will charge you an immediate 24,69% interest fee from the day you make the withdrawal until you wire the amount you withdrew back onto the Mastercard, even though the withdrawal itself has no fees. 

So you also either don’t use this card to withdraw cash or balance out the amount you took out on the same day, to limit these fees.

Other than that, the card is also free of charge and has no additional foreign currency fees; however, the exchange rate used by Mastercard for foreign currency payments includes a surcharge, i.e., a currency conversion fee, on the European Central Bank reference rate. You can find the current daily currency conversion fees online.

Similar to the TF Bank Mastercard Gold, this seems to be the most accessible card to get for foreigners and where you do not need a long credit history. The Gebührenfrei Mastercard also includes travel insurance, if you pay at least 50% of the travel booking with this card. Be sure to check the fine print though on what is actually covered and whether you need another add-on travel insurance.

Requirements For An Advanzia Mastercard Gold:

• you are registered in Germany or Luxembourg
• for Non-EU nationals: valid residence permit
• you have a good SCHUFA score (credit history)

Advanzia Mastercard Gold Benefits:

✅  no annual fee – permanently free ✅  no cash withdrawal fee worldwide (❗but 24,69% annual interest rate) ✅  no checking account obligation  ✅  convenient contactless Apple & Google Pay ✅  quick and easy online application with high acceptance

Advanzia Mastercard Gold Drawbacks:

❗  24,69% annual interest rate on cash withdrawal and in case of partial debit payment ⛔️  no refund of foreign ATM fees ⛔️  no additional foreign currency fees, however, the exchange rate includes a fee ⛔️  banking app only available in German after the sign-up screen ⛔️  only German website & customer service ⛔️  no 100% SEPA direct debit possible ⛔️  no ability to transfer money for a positive balance

The Gebührenfrei Mastercard is also a revolving credit card and only has the option of manually balancing out your acquired debt. You have  no option for 100% direct debit  to settle your balance. Instead, you will be invoiced monthly and must pay that invoice on time or otherwise pay high-interest rates from the day of purchase.  

3. American Express Payback Credit Card

There is one more free credit card in Germany we don’t want to ignore: the American Express Payback credit card . If you are a fan of American Express or loyalty programs where you collect points for rewards or cashback, this is definitely an option you should look into. We have written a detailed guide where we explain PAYBACK, the largest loyalty rewards program in Germany, and its relationship with the Amex credit card.

Other than that it is a great credit card for mainly online purchases, where acceptance of Amex is a lot higher than in shops and restaurants in Germany. It is not ideal for travel, as there is a 2% foreign currency fee and a 4% cash withdrawal fee.

Requirements For A PAYBACK American Express Card:

• you are registered in Germany
• you have a  German bank account
• you have a good  SCHUFA score  (credit history)

PAYBACK American Express Card Benefits:

✅ no annual fee ✅ no checking account obligation  ✅ double PAYBACK points when you use it with partner stores ✅ no annual interest rate (debts must be paid monthly) ✅ 100% SEPA direct debit possible and mandatory ✅ convenient contactless Apple & Google Pay

PAYBACK American Express Card Drawbacks:

❗2% fee for paying in currencies other than the euro ❗4% for withdrawing money from any ATM ⛔️ not all shops in Germany accept American Express credit cards. ⛔️ no refund of foreign ATM fees ⛔️ only German website & customer service ⛔️ user-friendly app to control the card only in German

The PAYBACK American Express card is a charge credit card, so you do not need to worry about paying your debt on time. The acquired credit will be deducted from your linked checking account once a month. Thus, there are no annual interest rates, as long as your checking account has enough money in it.   

How can you increase your credit card limit?

After your successful application to one of these credit cards, you get a set limit. This limit is usually based on an algorithm that takes all your personal data, income, Schufa, and other factors into account. Sometimes, this limit can be relatively low.

The best way to increase your limit is to use the card frequently. After a few months, you can reach out to customer service and provide your last three payslips to showcase that you can handle a higher limit (provided your salary is higher than your limit). In our experience, this approach made a limit increase possible.

If you are looking for a credit card for traveling, the  TF Bank Mastercard Gold is a good option. If you are looking for a credit card with a rewards program, the PAYBACK American Express card is a great option.

Especially while traveling, we can recommend carrying two different credit cards in case one gets stolen, lost or simply doesn’t work.  Just make sure not to apply to two cards at the same time, but let some time pass to not affect your credit score . 

If you were unsuccessful in applying for a credit card due to no or a bad credit score, look at our guide for the 5 Best Prepaid Credit Cards in Germany without a SCHUFA credit check to find a great alternative.

Happy credit card hunting!

This article contains affiliate links . When you click on the links to the products we mention in this article and purchase them, we will receive a small commission. It will not make any difference to you in price; however, it allows us to keep Simple Germany alive and striving.

About the Author

Yvonne Koppen is a researcher and writer at Simple Germany, focusing on demystifying German bureaucracy for international skilled workers.

She has lived and worked abroad, which helps her understand how difficult a move to a new country can be. Beyond her professional pursuits, Yvonne loves to plan and go on road trips, puzzle, and do a triathlon here and there.

She is committed to creating accessible, empowering content through her writing and YouTube videos. Yvonne's passion for continuous learning and her ability to simplify complex topics make her an invaluable resource for expats seeking to navigate their new life in Germany.

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Best Credit Card Germany

Find the best credit card in germany – best credit card germany comparison.

Last update: 3 October 2023

Navigating the diverse landscape of credit cards in Germany is no easy feat. The market offers a multitude of options, each tailored to different financial needs and preferences. In this in-depth comparison article, we’ll delve into the realm of credit cards in Germany, focusing on the core features and benefits that matter most to consumers. Whether you’re looking for a card with low annual fees, competitive interest rates, or flexible payment options, our guide will provide you with the essential insights you need to make an informed decision about the best credit card for your needs. Join us as we explore the world of “Credit Card Germany” to help you select the card that aligns perfectly with your financial goals and lifestyle.

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

• No monthly or annual fees
• No foreign currency fee
• Cash withdrawals free of charge
• Flexible repayment options
• Apple Pay & Google Pay
• No foreign transaction fee
• Mastercard Gold

Looking for a bank account in Germany?

Check out our comparison of the best German bank accounts

Best Credit Card Germany – Detailed Overview

   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

• Bank Norwegian Visa

[SPECIAL OFFER] Currently you get a 30 EUR welcome bonus from Bank Norwegian

   Completely free of charge – no monthly or annual fees     No foreign transaction fees – pay in any currency without paying fees    Comprehensive travel insurance package included     Apple Pay & Google Pay supported    No automatic deduction of monthly bill from bank account

Get your Bank Norwegian Visa!

• Gebührenfrei Mastercard Gold

   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 (1.86% per month)    No automatic deduction of monthly bill from bank account

Get your Gebührenfrei Mastercard Gold!

• TF Bank Mastercard Gold

   Completely free of charge – no monthly or annual fees     No foreign transaction fees – pay in any currency without paying fees     Easy online application process     Apple Pay & Google Pay supported    Interest rate of 22.96% per year for cash withdrawals    No automatic deduction of monthly bill from bank account

Get your TF Bank Mastercard Gold!

• Consors Finanz Mastercard

   Completely free of charge – no monthly or annual fees     No foreign transaction fees – pay in any currency without paying fees     Apple Pay & Google Pay supported    High interest rates for partial payments    Fee of 3.95 EUR for cash withdrawals under 300 EUR

Get your Consors Finanz Mastercard!

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 you have to open either a bank account or a basic payment account or if you are an entrepreneur a business bank account .

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.

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.

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.

40 Comments . Leave new

I am new in Germany. If you can let me know which credit card have free access to lounges across the globe.

Dear Jayant, the American Express Platinum card offers unlimited lounge access for up to four people. And there are many more benefits such as status upgrades with hotel and rental car companies. However it costs 60 EUR/month.

Best Regards, Dominik

Hello, I’m new in Germany and I’m waiting for my residence card. is it possible to apply for Barclays credit card now or I have to wait for the residence card. now, I have my ”Anmeldung” that improve that I’m living in Germany. is it enough.

thanks in advance for your reponse.

Dear Omar, the required documents for the completion of the ID verification process depend on your nationality. In most cases your ID or passport in combination with your “Anmeldung” are sufficient. If not Barclays will let you know.

Dear Dominik, Thank you for all your useful information. I wish to apply for a Barclays visa credit card and I want to pay the full outstanding on the due date. Can I set up a 100% auto debit from my bank account ( SEPA No) with the Barclays card or do I have to settle that manually on a monthly basis? I don’t wish to go with the partial instalment but The Full 100% settlement on the due date. Thank you so very much Best, Alii

Dear Ali, yes, that’s possible with the Barclays Visa Card. You can set up 100% settlement on the due date in the online banking portal of your Barclays Visa Card.

Hi Ijust want to ask, regarding Advanzia. 1. Ist advanzia still active? I mean, I cant access anymore the advanzia App. 2. Can I still use it even though i cant access the Advanzia App? 3. Since my advanzia credit card was activated i didnt use it till now., My question here, can i still use it or its already deactivated? 4. Can I take another credit card, even if i already had one?(which is im not sure if it is still active) I hope someone will notice this and enlighten me. Thanks in advance for the answer.

Dear Jenny, regarding your Advanzia Bank questions (1. – 3.) I would recommend to get in touch with their customer service. I’m sure they will be able to answer all your questions. If you have already an active credit card from Advanzia Bank you won’t be able to request another one.

Hi, Does the Barclaycard have Airport lounge access in Germany? Or does any other card offer this facility?

Dear Saha, no, the Barclays Visa does not include airport lounge access. There are a few credit cards in Germany that offer lounge access such as the American Express Platinum or the Sparda Bank Hessen Mastercard Platinum. However these cards are usually not free of charge or you need a minimum turnover per year.

1. Is there any credit card which offers travel miles on making payments? If yes, are they worth it?

2. I see none of the cards mentioned have any sort of a cash back type feature, is that not a common thing in Germany?

3. Which credit cards have an English support or app?

Dear Arush,

• Yes there are a few and the most popular one is probably the Lufthansa Miles & More card . In the lowest tier (blue card) you get 1 mile for each 2 EUR spent. However compared to mile programs in the US, the German programs are definitely not as attractive.
• Credit card cashback programs are also not that common in Germany. A promising program that has been started recently is Vivid Money . There you can get up to 25% cahsback and earn up to 150 EUR per month by using the Vivid card.
• The Hanseatic Bank app is also available in English. Their GenialCard is completely free of charge

Hope this helps!

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

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.

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

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 .

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.

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.

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.

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.

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 🙂

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.

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

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.

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

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?

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?

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.

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.

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).

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?

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.

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.

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 😉

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

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.

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?

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).

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

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

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Highly Recommended Credit Cards in Germany

Germany is an excellent place to live and work, with a high standard of living and many job possibilities. If you are a student or working professionally in Germany, you may be looking for the top credit cards to help you manage your finances.

This blog post will discuss the top credit cards in Germany for students and working professionals and the requirements to apply for each card. We will also talk about cards with low-interest rates so you can save money on your monthly payments.

When finding a credit card in Germany,  you should keep a few things in mind. 

• First, what is your credit score? You can qualify for a lower interest rate and more favorable terms if you have a good credit score.
• Second, what is your income? If you have a high income, you may be able to qualify for a card with a higher credit limit.
• Finally, what are your spending habits? If you are a responsible spender and pay off your balance in full each month, you will be able to save money on interest charges.

There are many different credit cards available in Germany, so it is important to compare your options before applying.

There are many advantages to having a credit card, including:

-It can help you improve your credit score, which is essential if you want to borrow money in the future.

-It can help you manage your finances by allowing you to spread your payments over time.

-It can be a valuable tool in an emergency, as you can use it to pay for unexpected expenses.

-It can help you save money by allowing you to take advantage of discounts and rewards programs.

There are a few things you need to be careful about when using a credit card, such as:

-It is essential to make your payments on time, as late payments can damage your credit score.

-If you carry a balance on your card, you will be charged interest.

-Most cards have annual fees, so you must factor this into your budget.

-If you do not manage your finances responsibly, you may have a high-interest rate and a large debt.

-If you are not careful, you may also end up paying annual fees, late payment fees, and other charges.

-You may also be tempted to spend more money than you can afford if you have a high credit limit.

Now that we have discussed the things to remember when using a card, let's look at the types of credit cards available.

Different types of credit cards are available in Germany, designed for different needs.

- Cash back cards : These credit cards offer cash back on purchases, typically between 0.25% and 0.50%.

- Rewards cards : These credit cards offer rewards points for your purchases, which can be redeemed for travel, merchandise, or cash back.

- Balance transfer cards : These credit cards offer a 0% introductory APR on balance transfers, which can help you save money on interest charges.

- Business cards : These credit cards are designed for business expenses and typically offer rewards points or cash back on your purchases.

- Student cards : These credit cards are designed for students and often offer special discounts and rewards programs.

- Credit cards with bank account : Credit cards with a bank account offer many advantages, such as credit protection, online banking, and more.

- Prepaid cards : Prepaid credit cards are a good option if you do not have a credit history, as they allow you to load money onto the card and use it like a debit card.

Now that we have looked at the different types of credit cards available in Germany, let's look at the requirements to apply for each type of card.

To apply for a credit card in Germany, you will need the following:

-A valid passport or ID

-Proof of income (such as a pay stub or tax return)

-Proof of address (such as a utility bill)

-A credit score of 650 or higher

If you have a credit score of 650 or higher, you should have no problem qualifying for a credit card. However, if your credit score is below 650, you may still be able to qualify for a card, but you may have to pay a higher interest rate.

Now that we have looked at the requirements to apply for a credit card in Germany, let's look at some of the highly-recommended credit card options in Germany.

-The  DKB Visa Card  offers free cash withdrawal worldwide, an emergency package, and zero foreign transaction fees. You can also earn interest of about 0.20% on deposits. You can get an allowance of up to €25,000.

-The  Comdirect Visa Card  is another excellent choice, with no annual fee and a 0% debit interest. You can split your payments into three installments and shop worldwide or online with zero foreign transaction fees. If you own a checking account with Comdirect, you can add the visa card for just €1.90 per month.

-The  Deutsche Bank Visa Card  is a fantastic choice for customers with excellent credit who want to take advantage of various credit card options available. An individual credit limit is set for all the different card types, and an annual fee starts from €39. The bank also offers its customers a security guarantee and free SMS service.

-The student credit card from  Barclaycard  allows you to take advantage of the free credit card and up to eight weeks' worth of free payment. Like the other credit cards, it also offers zero annual fees and a reasonable credit limit. If used properly, a line of credit of more than €1000 will be provided.

-The  Gebuhnfrei Mastercard  is another excellent choice, as it has zero annual fees and up to seven weeks of interest-free payments. It also offers 24-hour customer service and a replacement card free of charge.  

- TF Mastercard Gold : This credit card offers zero annual fees, zero invoice delivery, zero worldwide payment fees, and zero opening fees. With this credit card, you can get up to 51 days of interest-free purchases.

There are a few things you can do to improve your credit score in Germany, including:

- Making on-time payments:  One of the most important things you can do to improve your credit score is to make on-time payments. Late payments can hurt your credit score.

- Avoid maxing out your credit card:  Another thing you can do to improve your credit score is to avoid maxing out your credit card. When you max out your credit card, it can harm your credit score.

- Keep your credit balances low : Another way to improve your credit score is to keep your credit balances low. If you have a lot of debt, it can harm your credit score.

- Pay off your debt:  One of the things you can do to improve your credit score is to pay off your debt. If you have a lot of debt, it can harm your credit score.

- Don't close unused credit cards : Another thing you can do to improve your credit score is to keep your credit card accounts open, even if you don't use them. If you close unused credit cards, it can harm your credit score.

- Have a mix of different types of credit : One final tip for improving your credit score is to have a mix of different types of credit. A mix of different types of credit can help improve your credit score.

These are just some of the top credit cards in Germany for students and working professionals. So, if you're looking for the top credit cards in Germany, the ones we've listed above should be a great choice. They offer many features and benefits, including low-interest rates, no annual fees, and more. Be sure to read the terms and conditions carefully before applying, so you can find the right card.

The best credit card for you will depend on your circumstances and credit score. Compare your options and choose the credit card that best suits your needs.

Thanks for reading!

Do you want to know what the top health apps in Germany are?

Please take a look at our best health apps guide!

Tips on how to get through your first week in Germany | expatrio.com

10 Tips for Saving Money in Germany | expatrio.com

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Using a credit card in Germany

Use our guide to get the best out of your plastic, and your cash, on holiday in germany..

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Using your card abroad

Germany is well known for being the largest national economy in Europe and one of the biggest in the world. With a complex and rich history, Germany is popular for its colourful architecture, castles and landscapes…not to mention the beer!

Germany remains one of the top destinations in the world for travellers, and whilst being predominantly a cash society, credit cards are accepted, so you’ll have no problems if you run out of cash.

Visa and Mastercard credit cards are widely accepted and you’ll be able to use your American Express card in a few places, too, but not many.

ATMs are known in German as Bankomat, and they’re normally located inside or outside bank branches. You’ll also find them at major airports, but they are less common in shopping centres and petrol stations. German ATMs accept foreign bank cards, so using your Visa or Mastercard will be easy.

More than 80% of payments in Germany are made using cash, meaning it’s crucial to carry some cash with you on your travels. It is important to know that smaller shops, like bakeries, butchers, news agents only accept cash or the German EC card. It is highly recommended before you buy an item or sit down to eat, you check the accepted payment type.

Find a great deal on your travel money for Germany

This type of card is the most secure and most common in Germany. You will be required to input your PIN number associated with it every time you purchase an item, or withdraw cash from an ATM.

If you use a chip-and-signature card, you may have issues when trying to make a purchase at an unattended point of sale, like a petrol station. For visitors travelling to Germany with only chip-and-signature cards, it is wise to rely on cash instead.

Germany has moved from magnetic-stripe cards to chip cards, and all banks in Germany now issue the latter. You’ll still be able to use your magnetic-stripe card in Germany, although you can expect some confusion. In the switching of technology, some retailers falsely believe that they can no longer accept magnetic-stripe cards while some others will not let you use them, to do their bit in reducing credit card fraud. All they basically need you to do is swipe your card instead of inserting it into the machine, and then get you to sign for the purchase.

By exercising some caution when using your credit card in Germany, you’ll have a relatively trouble-free experience.

• Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
• Select ATMs with care. Try and stick to ATMs in banks and avoid using ones in the street.
• Watch out for “skimmers”. When installed in an ATM, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there’s a problem with the keypad, cancel your transaction and look for another ATM.

Keeping your credit card (physically) safe

Remain alert to street crime, especially where two or more people work in distracting victims before decamping with their valuables. Instances of theft at airports are not uncommon, so stay vigilant while arriving and departing. There have been numerous instances of thefts from hired cars so don’t leave your wallet or purse in a parked car. In some cases, thieves pose as police and ask to see wallets for identification purposes. In such a scenario, make sure you’re speaking with genuine police officers. It is very unlikely that a real officer will want to sift through your wallet.

Credit card fees can leave a noticeable dent in your pocket when you’re travelling overseas, so know what you’re up against well in advance and choose a card with no or low fees.

Foreign transaction fees

British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.

Learn more about cards designed for overseas spending

Currency conversion fees

If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you’re presented with an option, choose to pay in euros.

Cash advance fees

Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is typically higher than your purchase APR, and you’ll typically get no grace period on interest — instead, you start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.

The table below serves as an example of how much extra you may pay to use your credit card for in Germany.

Additionally you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa .

What is a cash advance fee?

A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It’s usually the greater of a flat fee or a percentage of the transaction. For example, “2.5% of the transaction, minimum £3.00”.

• Go with Visa or Mastercard. Carry at least two cards on your trip to Germany, preferably connected with Visa or Mastercard. If you just take an American Express card, you won’t get to use it in many places.
• Think no foreign transaction fees. When there are cards that come with no foreign transaction fees , using ones that charge 2% or 3% of each overseas transaction does not make sense. Some of these cards don’t charge an annual fee, either.
• Keep your bank posted. Banks, in their efforts to thwart fraudulent transactions, block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
• Keep the emergency number handy. Know which numbers you’ll need to call if you end up losing your card or if you need an emergency replacement.
• Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in Germany is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.

Ask yourself these simple questions before you leave so your spending in Germany does not hit any roadblocks.

• Which cards will I take? Visa and Mastercard are the favourites. If you’re planning a trip, check out cards which give you complimentary airport lounge access . If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card .
• Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
• What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in Sterling outside of the UK might come with currency conversion fees.
• How will I get cash? Using your debit card at an ATM is the simplest way to access your own money. You can carry cash and traveler’s cheques with you. Exchanging Sterling to Euros is easy and you’ll get several options.

When you’re in Germany, you don’t have to worry about where and when you can use your credit card. Just keep some cash handy to pay for small purchases.

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What is the sterling to euro exchange rate?

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2 Responses

Is it better to use cash or credit card in travel to Europe?

Hi Catherine,

Thanks for getting in touch with finder. I hope all is well with you. :)

That would depend on your needs and preference Catherine as well as where in Europe you would particularly travel. Both options come with their advantages and disadvantages. You would need to weigh the pros and cons. However, if you want to get the best of both worlds, you might as well bring both a credit card and cash in case a store does not accept cards.

It is worth noting though that card payments are pretty standard throughout Europe. However, if you are going to places that are remote or not yet fully developed, it would be a good idea to bring cash with you.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

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Product Overview

American Express – Platinum Card

€ 720,00

The American Express Platinum Card is one of the most exclusive credit cards American Express has to offer. The special benefits include:

• Free access to more than 1.200 airport lounges worldwide ( American Express Global Lounge Collection® ). Additionally, free entry for one guest of the Amex Platinum Card holder and for one guest of the free additional Platinum Card holder (“PP+1”). You will get a free extra lounge pass (+ free guest) for an additional card holder.
• Valet parking at discounted rates at 8 major German airports
• Yearly  €200 credit to spend on online travel offers (e.g. flights, hotels, rental cars)
• Chauffeur service: Yearly  €200 credit for SIXT ride chauffeur service
• €120 credit for entertainment services such as Netflix or Amazon Prime
• €150 restaurant credit at selected restaurants around the world
• €90 shopping credit at selected merchants
• Free late checkout until 4pm guaranteed at more than 1.000 hotels worldwide
• 8 different travel insurances included
• Free personal 24 hour phone support
• Free additional Platinum card and 4 American Express cards (e.g. Gold cards) for your family and friends
• Only €60 credit card fee per month
• Supports Apple Pay

This exclusive credit card collects American Express loyalty points (Membership Rewards) with every purchase.

The 10 minute registration process can be done online, you will only need to identify yourself either via an online service or via PostIdent, which is a check of your passport at a local post office.

The American Express Platinum Card comes in a sleek metal version and supports contactless payments and Apple Pay .

• Earn 1  Membership Rewards point  for every 1 Euro spent anywhere. Membership Rewards points can be redeemed for great products, travel, gift cards, or you can even pay with the points.

Additional advantages of the American Express card include these services (provided by the partner insurances):

• extended return policy (90 days) for your purchases online or offline (min. value of purchase 30€, max. value 400€ per purchase, 1.500€ per year), certain exclusions apply.
• free global travel information and support service (visa regulation information, required vaccinations information, referral of English-speaking hospitals or doctors)
• Global Dining Collection:  Benefits in the best restaurant of the world, also in Germany! For example: exclusive reservations and complementary aperitif.
• shipping  of forgotten prescriptions, urgent medicine, glasses or contact lenses (if broken during your travels) from your home address to your current address abroad
• Easy access to your balance overview via the exclusive Platinum Mobile App

Other terms:

• max. cash withdrawal: 1.500€/7 days
• in case of a card abuse through no fault of one’s own, the max. liability amount is 50€
• if your billing amount cannot be paid in time, American Express charges a fee (base rate plus 5%) after the first admonition and 8€ for every following admonition

This credit card is a good choice, if you plan to use it for payments in Germany or a country that has the Euro, because the foreign currency fee is quite high (2% of your purchase amount). It is also not advisable to withdraw cash with the American Express card, because it will cost you a fee of 4% of the withdrawal amount (minimum 5 Euro).

Generally, this cards bring many benefits that will make the €660 yearly fee worthwhile: €200 yearly travel credit + €200 yearly chauffeur credit + €100 welcome bonus. Additionally, free airport lounge access for you, your partner and your two guests as well as free travel insurances are very valuable benefits.

Please refer to the original American Express contract terms for the complete list of services and fees.

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Banking & Finances » Picking the right German bank account for your needs » Credit cards in Germany – why you probably don’t need one

Credit cards in Germany – why you probably don’t need one

Credit cards in Germany are not as common as what you might expect. Depending on your money culture & education in your home country, this could come as a shock. Credit cards are otherwise regarded as essential financial tool in many countries.

At the end of this post, you will be able to decide if you actually need one and which provider you should consider if you do.

Do I need a credit card in Germany?

Let’s be upfront about it – you probably don’t need a credit card for your day-to-day life in Germany. If you need to make online purchases, withdraw cash at an ATM in town, or book a hotel, a debit card from N26 or a Girocard from your local Sparkasse should be more than sufficient. 

However, there are a number of scenarios when using them makes sense:

• Travel insurance : if you’re flying often, then using a credit card to pay for your flights will save you from having to pay for insurance.
• Frequent flyer benefits: they offer frequent flyer miles, access to lounges, luggage insurance, and trip cancellation refunds in the event that anything goes wrong with your flight.
• Consumer/fraud protection : In the event that you paid the wrong amount on a transaction, or you discover a fraudulent charge on your credit card, you can ask your credit card company to reverse the payment.
• Rental insurance : whenever you are renting a car or scooter, your credit card policy can cover the accident insurance for the duration of your rental.
• Convenience abroad: local German debit cards might not be accepted at all ATMs abroad, or against a fee. It might not also be possible to deposit large amounts too (e.g for a rental).

These are perfectly valid cases in which the costs & risks associated with a credit card can be justified. As you can tell, this mostly relevant for frequent travelers & big shoppers .

Credit cards are mostly relevant for frequent travelers & big online shoppers in Germany

If you just need to pay your bills and you don’t travel frequently, you can certainly get by with just a debit card . 

Alternatives to credit cards

If you recognized yourself in the bullet points above, you might be only interested in the benefits and less about the payment method itself. Instead of getting the card, you could also simply do the following:

• Sign-up for a German travel insurance : for only a few euros a year, you can get fairly good coverage from any insurance company. Different policies cover different risks but you will find the usual: trip cancellation insurance, rental, winter sports, medication & treatments abroad. It’s cheaper & more flexible than using the credit card because it covers everything, not just trips where you used your card. You can cover your family as well.
• N26 You & Metal
• Revolut Metal
• Sign-up for a frequent flyers club: if you are after miles, frequent flyers club are cheap/free ways to get started.

What are the different types of credit cards in Germany?

There are four common types of credit cards and billing models used in Germany.

For comparison’s sake: the debit card is the most common type of card throughout Germany (most cards issued by Visa and Mastercard in Germany are debit cards). Their operation is pretty straightforward. Whenever you make a purchase, your bank account is charged and funds are removed from it.

It functions in the same way as a Girokarte or EC-karte , except that it allows you to make online purchases and pay abroad like the best German credit cards. All of these purchases happen in real-time, and you generally receive notifications as they occur. Most German bank accounts have some sort of cobranded debit card (Visa or MC).

Charge credit card

The charge credit card is the most common type of credit card that you will find in Germany. Charge credit cards record your spending throughout the month and then charge you after 30 days, essentially giving you a month’s worth of interest-free credit. Once this period is over (usually at the end of the month), the credit card provider will issue you with an invoice detailing all of your purchases and how much money you owe.

On a specific agreed-upon date, the amount owed will be debited from your account in order to pay the bill.

Revolving credit card

A revolving credit card in Germany allows you to make a purchase now and pay it back later either as a lump sum or in installments . The credit card provider will then collect the amount over several months. While this offers a level of convenience, it’s not exactly cheap. Installment payments are usually accompanied by high-interest rates which you have to pay on top of what you owe. 

These cards are frequently touted as “no fee”, but because of the often exorbitant interest rates that accompany any purchases made on a revolving credit card, they can quickly become expensive. If you have extra money, you can also make unscheduled repayments and knock down the debt more quickly. The best-known revolving credit cards in Germany are American Express although many Visa cards also offer this option. 

Prepaid credit card

Prepaid credit cards to deposit money beforehand and only spend as much as you have in your account . They offer the same functionality as a normal credit card, allowing you to make online purchases and foreign ATM withdrawals, but limit your spending to the amount of money that you have deposited. Prepaid credit cards don’t offer any overdraft possibilities. 

Credit card from a bank or from a credit card provider?

There are pros and cons to getting your credit card from a bank as well as from a dedicated credit card company. 

Pros & cons of credit cards with a bank

Credit cards from banks are usually offered after you open a current account. This is beneficial both for you and the bank.

• The bank knows your creditworthiness and can issue you a corresponding line of credit.
• When making repayments, the credit card transactions are settled automatically with the money in your current account; this is essentially an interest-free loan and lets you avoid high-interest rates.
• if you do go too deeply into overdraft, the bank will stop your credit card and prevent you from spiraling into uncontrollable debt. 
• For many people this safety handbrake is worth the extra cost with a bank.

The only way in which you’ll end up paying interest is if you don’t have enough money in your current account and you have to go into overdraft to repay the credit card bills.

Pros & cons of credit card providers

While you might pay a bit more in fees than with an independent credit card provider, many people also appreciate having one company controlling all of their financial instruments – i.e. their bank account and their credit card.

On the flip side, some people dislike the fact that a single financial corporation has control over all of their personal finances.

• Separate expenses from income and current accounts.
• It’s quite easy to obtain one of these credit cards by simply submitting an online application.
• These cards tend to be cheaper than obtaining one from a bank, but the problem is that the card issuer won’t limit your spending. This means that you can quickly accumulate both debt and interest if you’re not careful.
• It’s a greater financial risk than a traditional bank which will cut you off should you exceed a certain limit.

These credit card companies don’t need you to pay back the entire debt at the end of the month. Often they just require a minimum payment – it could be as low as 20 euros – while your debt, and the accompanying interest, gets bigger every month.

Impact on your SCHUFA score

As everyone who moves to Germany knows, having a good SCHUFA score is significant, especially when it comes to getting a loan and appearing creditworthy. There are a number of credit-card-related scenarios in which SCHUFA will downgrade your credit score . 

• Having more than two credit cards, for example, will negatively affect your credit score as SCHUFA will assume that you have financial problems.
• If you fail to pay back any money that you owe on any of your credit cards in a timely manner, you’ll also be penalized. While you won’t notice these penalties immediately, you’ll discover them down the road when trying to take out a phone contract or get a mortgage .
• If you are going to use your credit card often, always make sure that you pay it back on time so that your SCHUFA score doesn’t suffe r.

This is so crucial to your life in Germany that we really don’t advise owning a credit card in Germany, unless it’s very needed to you. There are alternatives (quoted above).

What are the best credit card providers in Germany?

Dkb credit card.

The DKB card is a charge credit card available to DKB customers who have a DKB cash account. It’s a true credit without any monthly fees and allows you free withdrawals at any ATMs worldwide with a 1000€ daily limit. Unlike other credit cards, you have to link your credit card to your DKB cash account ; it’s not possible to link to another bank account. DKB will bill the amount due on the 22nd of every month and take it directly from your account. Since it’s a full-fledged bank, you get all of the digital infrastructures that go with it, including a handy app where you can monitor your transactions, and Google Pay and Apple Pay integration. Full DKB review here .

• Low 2,49€/month fee
• No foreign currency fees
• Free ATM withdrawals worldwide
• Works seamlessly with Apple Pay and Google Pay
• Easy online application 
• SEPA direct debit possible
• Comes with an integrated app
• Support is only available in German
• Website and app are only available in German
• You can only link your credit card to the DKB cash account

If you’re looking for one of the easiest credit cards to get your hands on, then the Mastercard Gold by TF Bank should definitely be on your list. If you’ve just moved to Germany and don’t have a credit history yet, or have a less than favorable SCHUFA score, you can still apply for this credit card, and likely have one issued to you. On top of being the most accessible card out there, this credit card has no annual fees, no foreign currency fees, and offers free ATM withdrawals worldwide. However, while TF Bank state that their card has no withdrawal charges, there are some hidden fees related to ATM withdrawals that should be highlighted . When withdrawing money from an ATM, TF bank will charge you an immediate 22,96% annual interest fee from the day you make the withdrawal until the moment you transfer the amount back onto the Mastercard.

So if you’re someone who is going to be withdrawing cash frequently, this might not be the best option for you . And if you do withdraw cash, it’s best to balance your account as soon as possible to limit the amount you will pay in fees.

• Very accessible and easy to apply for
• Online application
• Completely free – no annual fees
• 22.96% annual interest rate in case of cash withdrawals
• 19.39% annual interest rate in case of partial debit payment
• Customer service and website only available in German
• No SEPA direct debit possible
• Activating your account can be slow

Barclaycard Visa

The Barclaycard Visa is a revolving credit card in Germany issued by Barclays bank that has no annual fees and no foreign currency fees. You can also withdraw cash from any ATM worldwide without worrying about any fees (unless the ATM in question charges external fees), making the Barclaycard Visa ideal for frequent travelers. 

This card also offers four interesting repayment options. Like other credit cards, you have the option of partial payment but with high-interest fees . You also have the option of installment payments with an individual interest rate, a manual one-time balance settlement from the account associated with the card, or changing the repayment method to direct debit in the app.

The Barclaycard is one of the best credit cards in Germany if you’re looking for something that covers all of the basics.

• You don’t have to open a bank account to get the credit card
• Interest rates on installment payments are 18.38%
• No English customer support
• Website is only in German
• Mobile app is only in German

Hanseatic GenialCard

The Hanseatic Bank GenialCard is a revolving credit card in Germany with a good reputation. It’s consistently regarded as one of the best free credit cards in the country (it even received a fancy Finance Award in 2020 ) by publications such as Focus Money. 

The Visa card is completely free and has no annual fees, and you can link it to whatever checking account you want. With it, you can make free global payments, pay absolutely no exchange fees on currency, and make free ATM withdrawals anywhere in the world. While you can pay off your debt in installments, you also have the option of converting the GenialCard into a charge credit card by enabling an automatic direct debit. This will settle the balance of your account and ensure that you don’t have to worry about paying high-interest rates on any unpaid debt.

• Immediate line of credit up to 2.500 euros
• Interest rates on installment payments are 13.6%
• You need to have been a German resident for at least 2 years.

The sign-up process:

This is how the sign-up process looks like:

• Pick the best German credit card provider for your needs.
• Send in your personal details.
• Verify your identity via a video call.
• Receive an activation letter at home, which you need to sign and send back.
• Activate your card.

As you gathered from this post, there is actually only a very specific niche need for credit cards in Germany . Unless you are a frequent traveler, you should probably not use them since it can damage your financial health and your credit record . If you do need one however, pick one of the providers above and treat it like a financial product: with care.

I hope this overview of credit card providers in Germany was helpful to get around this topic. Feel free to leave a comment if you have any questions. Bastien

Free credit cards in Germany – FAQ

Short answer is: probably not. In cultural terms & in practical terms, credits card find little use in Germany. Standard debit cards are enough for your day to day life. If you are a frequent traveller however, there can be a us for it.

Having a bank account in Germany doesn’t automatically grant you a credit card. All banks will charge you a fee for this.

Owning a credit card can be very detrimental to your credit score, especially since high interest rates can lead to unpaid bills. This is why it has be used with cautious, only if it’s relevant in your case.

Most providers offer charge credit card. The amount you pay with the credit card will be charged to you 30 days after the purchase.

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Active since 2011, I help any newcomer tackle all practical aspects of moving to Germany. Everyday, up to 2500 visitors come find answers on registration, tax returns, unemployment, insurance, visa applications and more. Over the years, the value of this work has been recognized and featured on Expat.com, Vice, Berliner Zeitung, Financial Times & more.  

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Hallo Bastien,

I currently have a Payback AmEx and a Miles&More MyFlex Mastercard (thru DKB). Both would auto-debit from my N26 account (although in the case of MyFlex, I can specify to only auto-debit between 10%-50% – and then I always manually pay the remainder, so that I don’t owe them any debt at the end of the month and i don’t pay them any interest).

The problem I have is the credit limit on my MyFlex card is very low, so I am interested in applying for another Mastercard (Gebuhrenfrei from Advancia). You said that having more than 2 credit cards would impact my Schufa score – but are Payback Amex and MyFlex both considered ‘true’ credit cards? I also have an N26 Debit Mastercard (that I almost never use). Do you think I should just stop here and preserve my 96.xx Schufa score, or risk applying for the Gebuhrenfrei card?

Vielen Dank!

Hi Jakob. I’m always reluctant to give direct financial advice. I try to bring context instead. What are you looking to achieve with 3 credit cards? It seems like a lot. Are you after specific benefits or are you trying to finance a difficult situation?

Hallo Bastien, so sorry for the direct question yesterday.

Ideally I would have been happy with 2 credit cards, a Visa and a Mastercard (or two of each).

However when I landed in Frankfurt a few years ago, I was somehow only qualified for a Payback Amex, which was not very difficult. While the card has been terrific for online payments (PayPal, etc), as you know the problem is not many physical stores/places accept Amex.

So after a few years building up my Schufa score, I was accepted for a Miles & More MyFlex Mastercard, but the credit limit is embarassingly low. I travel extensively around the EU and the Mastercard is just enough to pay for food & personal items, but not for lodging. I often stay in smaller/local hotels (not large international hotels that accept Amex) where even though they say they accept Amex, they are usually reluctant to accept it (due to its high fees).

So in my mind, I have two choices: a. Ask for a higher credit limit with MyFlex, which they are making it very very hard to accomplish, or b. Apply for a new (Visa/Mastercard), and even with an equally low credit limit, it will help me a lot.

That’s my reason. :) Getting LH miles (like I already do with the MyFlex) is nice to have, but my need is just another Visa or Mastercard to cover for travel expenses. I am definitely NOT in any kind of financial difficulties, just hate to see money leaving my account so quickly (and credit cards actually help with my monthly budgeting).

Thanks for reading! Jakob

That’s great to read because your use falls under what I think is a clever use of credit cards. Back to your question: too many credit cards can have a negative impact on your SCHUFA score, as SCHUFA themselves state here . You’d need to be 100% sure to be able to honor all your bills. I’d definitely go for option a. first. Does that answer your question?

FYI — Hanseatic Bank currently only accepting credit card applications from people who’ve lived in Germany at least two years. :/

Hey Lee. Great input. I will edit this in the post right away. It’s an important detail.

Hey, Do you have a recommendation for a prepaid credit card? I think DKB used to offer one but doesn’t seem to anymore.

Hey SG, I would look into PayBack Visa or Vivid Money Visa . Both are good options.

Best Free Credit Card in Germany 2024: 15 Options Compared

Last Update: 15 August 2024

1. What Is the Best Free Credit Card in Germany?

We compare  free credit cards in Germany to give the information required for choosing the best free credit card . You can directly dive into each credit card’s essential features, benefits, and limitations. Moreover, this article will provide you with some basics on credit cards in Germany .

You can be an expat, student, or long-time resident in Germany: A credit card often means convenience, flexibility, and even rewards. However, it needs to suit your needs adequately. And there are lots of options to choose from to find best credit card in Germany for you.

Commercial partners

Best Free Credit Cards in Germany: 4 Ideas for Every Purpose

#1 – Eurowings Gold is premium: Lufthansa miles, travel insurance, airport and flight priority service, no fees for use or cash withdrawals abroad, *1st year without base fee.

#2 – TF Bank Mastercard Gold   is expat-friendly: E asy opening for new residents, English app, insurance package, long payback duration, no  fees for payments abroad.

#3 – BMW Card and PAYBACK American Express  are rewards pure: cashback, shopping discounts, insurance, start bonus, free partner cards.

#4 – Santander BestCard Basic is the all-in-one solution: online  bank account with full-fledged credit card, free cash withdrawals, English mobile application.

2. T he Entire List: Find a Free Credit Card in Germany

To find the best free German credit card, we identified cards that do not come with any monthly or annual fees. However, be mindful of any potential charges that may arise during usage, such as:

• Usage fees for transactions in other countries or foreign currencies
• Charges for cash withdrawals, both within and outside of Germany: Please note that beyond the fees listed in our overview below, some ATM providers may charge additional fees independently of your card. These will be shown to you on the screen before confirming the withrawal. In this case, we recommend to search for another ATM that does not charge fees.
• Fees for obtaining a second card or replacing a lost card
• Interest rates applied to delayed or unpaid bills

All credit cards require a residence in Germany. The different banks will also perform a credit check (Schufa) before accepting you as a customer. This record is only created with time. Some banks like TF Bank or Advanzia are known to be very welcoming towards recently arrived residents of Germany. However, in case you get rejected, we advise you to wait a couple of weeks after registering a residence, setting up a local bank account and obtaining frequent income. As an alternative, you can also check our list of free debit cards here .

This overview reflects the best of our knowledge. It is in alphabetic order, with our commercial partners on top. Even though we’ve tried to make the overview as holistic as possible, let us know in the comments if we need to include any exciting offers or corrections. If you want to know more about or sign up for a specific credit card, follow the link to the issuer’s website. After online assignment, you will have to follow an  identification process that is similar to the one for opening a bank account in Germany .

American Express Blue Card

Commercial partner

No annual fee

25 Euros start bonus

Who is American Express?

American Express  or  “ Amex ” is globally recognized for its wide range of credit cards, traveler’s cheques, and corporate banking solutions.  Thanks to its premium offer, owning an Amex is often considered a status symbol. American Express puts a particular focus on customer service and rewards programs. The latter include travel benefits and cashback on purchases. In Germany, American Express has grown in popularity thanks to increasing acceptance as a mode of payment. Nowadays, even everyday convenience stores such as Lidl, Rewe, or Rossmann welcome payments with Amex. Although, you should not count on this when renting a car from a smaller provider or traveling abroad. Therefore, it can make sense to get an Amex because of its perks and to have a Visa or MasterCard (debit/credit) as a backup.

What languages does American Express Germany support?

As a customer in Germany,  the  entire service, web interface, and mobile application are only available in German.

Can I withdraw cash for free with the  American Express Bl ue Card?

The American Express BlueCard does not include any complimentary cash withdrawals. Withdrawing money comes costly: The fee is 4% or at least 5 Euros per withdrawal.

Can I use the American Express Blue Card abroad?

Yes, you can.  Usage  within the Eurozone is free. Elsewhere, a 1.99% foreign currency transaction  is applicable .

Can I use my mobile phone to pay with my American Express?

American Express allows mobile payments on both Apple Pay and Google Pay.

When and how do I pay back my outstanding credit balance with American Express?

American Express is a charge credit card. You will receive a statement of your transactions each month. The entire amount is then automatically deducted from your bank account. Hence, interest or penalties can only appear if your account is insufficiently covered. In cooperation with the external provider “ Splitpay ” Amex also offers repayments in installments against interest.

What other perks does the American Express Blue Card include?

American Express is renowned for its perks, rewards, and cashback programs. The Blue Card includes the following features:

• Membership Rewards:  Against an optional fee of 30 Euros per year, you can decide to take part in the Membership Rewards program. You collect 1 point with each 1 Euro spent. You can redeem these points for various perks, such as hotel stays or flights. At the beginning, you receive 5.000 points as a gift.
• Travel:  Access the Amex portal to book flights, hotels, and rental cars. However, comparing prices with other providers is advisable to ensure that you are getting the best deal.
• Amex offers:  This is the Amex benefit program for all American Express cardholders, featuring discounts and cashback.
• American Express Experiences:  This portal features a special contingent of reserved event tickets
• Transport accident insurance:  Provides compensation in the event of damage with a means of public transport (e.g., train, bus, cab, ship, aircraft)
• Partner cards:   On demand , there is a free partner card

Advanzia Bank Gebührenfrei Mastercard Gold

Who is advanzia bank.

Advanzia Bank is a Luxembourg-based online bank. Established in 2005, Advanzia Bank has become particularly popular in the credit card sector. They are known for offering free credit cards with attractive cashback rewards, travel benefits, and competitive interest rates.

What languages does Advanzia Bank support?

For German customers, the service and web interface are available in German. Advanzia Bank’s mobile application offers a multi-language login screen in German, English, French, Italian, and Spanish. However, the main part of the rest is exclusively available in German.

Can I withdraw cash for free with the Advanzia Bank Gebührenfrei Mastercard GOLD?

Advanzia Bank does not charge dedicated withdrawal fees. Neverthelss, interest on cash withdrawals is due immediately. To reduce these costs, you need to settle your balance on the same day by manual transfer. Nevertless, at least some fees usually occur as bank transfers can take up to 3 working days.

Can I use the  Advanzia Bank Gebührenfrei Mastercard GOLD  abroad?

Yes. Advanzia Bank does not charge additional fees for usage abroad. This applies for transactions in Euros as well as other currencies.

Can I use my mobile phone to pay with my  Advanzia Bank Gebührenfrei Mastercard GOLD ?

Advanzia allows mobile payments with Apple Pay and Google Pay.

When and how do I pay back my outstanding credit balance with Advanzia Bank?

American Express is a revolving credit card. The invoice deadline is always the third day of the month. You will then always receive your invoice and have until the 20th of the month to pay. If you pay the entire amount on time, there is no interest on purchases. However, interest is due as of the first day for cash withdrawals (APR 24,69%). You have to settle at least 3% of the invoice amount but not less than 30 Euros. You can only settle your balance through a manual transfer. Advanzia Bank does not perform automatic repayments by direct debit.

What other perks does the Advanzia Bank Gebührenfrei Mastercard GOLD include?

• High acceptance rate and easy application process:  Advanzia Bank has a high acceptance rate, making it a good option for students or expats without extensive credit history. The identification process is simple. After online application process, Advanzia Bank could ask you to submit a digital copy of your ID.
• Travel and rental car:  5% Cashback when booking a rental car or travel through Advanzia’s partners.
• Travel health insurance
• Travel accident insurance
• Travel cancellation insurance
• Luggage insurance
• Liability insurance

awa7 Visa Kreditkarte

Who is awa7.

awa7 is a brand of the publishing company DZ-Media. The credit card is issued jointly with Hanseatic Bank. Read more about them here .

What languages does awa7 support?

Hanseatic Bank’s customer service and interfaces are in German, and the mobile application also has a German version. 

**Can I withdraw cash for free with the awa7 Visa Kreditkarte card?

Yes, awa7 does not charge fees for cash withdrawals abroad. In some countries, the individual ATM provider may charge a fee. The minimum withdrawal amount is 50 Euros. In Germany, each ATM withdrawal costs 3.95 Euros. You can get cash without fees at participating German retailers with the “Visa Bargeldservice.”

*Can I use the awa7 Visa Kreditkarte abroad?

Yes, you can. For transactions in Euros and any other currencies, no further fees occur.

Fees are due when using the card in casinos, lotteries, betting or brokering, financial institutions, money transfers, or purchasing cryptocurrencies. Further information is available on the website.

Can I use my mobile phone to pay with my awa7 Visa Kreditkarte?

Yes, awa7 supports Apple Pay and Google Pay.

When and how do I pay back my outstanding credit balance of the awa7 Visa Kreditkarte?

With awa7, you can easily buy and pay later. At the end of each month, you receive a statement of your transactions of the last 30 days. You can preset to repay between 3% and 100% (at least 20 Euros) for repayment. Your repayment rate is flexibly adjustable in the app. The amount is automatically deducted from your connected bank account by the end of the month. The current interest rate after 30 days is APR 22,08%.

What other perks does the awa7 Visa Kreditkarte include?

• Flexible repayments in small installments:  You can comfortably manage your repayments through the mobile application. The minimum repayment amount is only 3%.
• 3-month interest-free at the start:  New customers do not have to pay interest for all transactions performed with the awa7 credit card during the initial three months after receiving the card.
• Forest protection:  After sending the card to you, one new tree will be planted to open the bank account. Afterward, one square meter of the existing forest will be actively protected for every 100 Euros spent (excluding cancellations and withdrawals). Please see further details on the awa7 website.

Barclays Eurowings Kreditkarte Gold

*No annual fee (1st year)

3.000 Lufthansa miles start bonus

Who is Eurowings?

Eurowings is the low-cost subsidiary of Lufthansa Airlines. It operates flights to over 210 destinations in more than 60 countries worldwide, with a focus on European destinations. Eurowings is a popular choice for travelers as it operates from every major German airport. They are also part of Lufthansa’s frequent traveler program “Miles and More.” Together with the global player Barclays Bank, they issue travel credit cards that grant cardholders access to several amenities during flights and everyday life. Read more about Barclays in our review of the Barclays Visa Card .

When is the Barclays Eurowings Kreditkarte Gold free?

The card has no annual base fee during the first year. At the beginning of the second year, you have three options:

• Keep a free credit card:  Get the Barclays Visa Card with a simple e-mail or call at the contact center.
• Get the Eurowings Classic Card:  Contact Barclays customer service to switch to the “Kreditkarte Classic” for 29 Euros a year to keep collecting miles but enjoy fewer perks in priority services and insurance.
• Keep the Eurowings Gold Credit Card  for an annual fee of 99 Euros.

What languages does the Barclays Eurowings Kreditkarte Gold support?

They only offer German customer support and application interfaces for their credit cards.

Can I withdraw cash for free with the Barclays Eurowings Kreditkarte Gold?

Yes, you can withdraw cash for free outside Germany. There are no additional fees outside Germany.

Can I use my Barclays Eurowings Kreditkarte Gold?

Yes, you can. It is also free outside of the Eurozone, as there are no conversion fees for foreign currencies.

Can I use my mobile phone to pay with my Barclays Eurowings Kreditkarte Gold?

You can combine your Barclays Visa credit card with Apple Pay and Google Pay.

When and how do I pay back my outstanding balance with the Barclays Eurowings Kreditkarte Gold?

Barclays Eurowings Kreditkarte Gold is a revolving credit card. You receive a statement once a month with the transactions of the last 28 days. The due date is another 28 days later. Hence, you do not have to pay interest for up to 56 days.

You can then return an amount between 3% and 100% (at least 30 Euros) of the outstanding balance. There is interest due (APR 23,74%) if you do not repay in full. To automate the repayment process, it is possible to set up an automated monthly direct debit from your bank account for the total amount. With Barclays Eurowings Kreditkarte Gold, this option is free of charge.

What other perks does the Barclays Eurowings Kreditkarte Gold offer?

• Flight miles:  You collect one Lufthansa mile (Miles & More) for each euro spent with the credit card.
• Priority check-in  on Eurowings flights
• Extra luggage:  Check in an additional piece of luggage when flying with a child younger than 12 years, and take sports luggage (bike, golf, surfing, etc.) for free when flying with Eurowings.
• Free seat reservation:  Book a free seat in your preferred zone with more legroom.
• Airport Fastlane:  Use the priority fast lane at German and European airports (Berlin, Cologne/Bonn, Hamburg, Munich (Terminal 1), Stuttgart, Amsterdam, Bergamo, Birmingham, Bremen, Düsseldorf, Geneva, Leipzig, London Heathrow, Milan, Manchester, Nuremberg, Palma de Mallorca, Paris, Prague, Vienna) when flying Eurowings.
• Travel insurance:  Rental car insurance, travel health insurance, and travel cancellation insurance
• Travel discounts:  Bookings using the Reiseservice Plus portal feature 5% cashback. We advise you to, however, check if there are no better deals on other sites.
• Partner cards:  You can receive up to 3 additional cards without additional cost during the first year.
• 5.000 Lufthansa Miles & More start bonus:  After receiving the card, you must use it at least once within six weeks to qualify for the bonus.

BMW Card by American Express

*No annual fee (conditions apply)

Who is BMW?

BMW is a German multinational company that produces luxury vehicles and motorcycles. It was founded in 1916 as a manufacturer of aircraft engines. BMW is known for its high-quality engineering and innovative design. Its vehicles are popular among car enthusiasts and those who appreciate luxury and performance. The cooperation with American Express brings the BMW brand and lifestyle into the world of finance. Read more about American Express and its general acceptance in  our review of the Amex Blue Card here .

When is the BMW Card by American Express free?

The card has no annual base fee if you register a yearly card turnover of 4,000 Euros or more. Otherwise, the annual fee is 20 Euros.

What languages does the BMW Card by American Express support?

As with other German American Express cards, the entire service, web interface, and mobile application are exclusively German.

Can I withdraw cash for free with the BWW Card by American Express?

PAYBACK American Express cardholders are not entitled to free cash withdrawals. A fee of 3% or at least 5 Euros per withdrawal is charged.

Can I use the BMW Card by American Express abroad?

Yes, you can use it without further fees within the Eurozone. Elsewhere, a 2% foreign currency transaction is applicable.

Can I use my mobile phone to pay with my BMW Card by American Express?

Mobile payments with Apple Pay and Google Pay are supported.

When and how do I repay my outstanding credit balance with a BMW Card by American Express?

BMW Card American Express is a charge credit card. You receive a monthly statement with the recent transactions. The sum is automatically debited from your bank account. Interest or penalties only occur if the account is insufficiently covered. Amex offers installment repayments with interest in partnership with a third-party provider, Splitpay.

What other perks does the BMW Card by American Express include?

American Express is famous for its perks, rewards, and cashback programs. The BMW Card by American Express card is one of Germany’s best free credit cards for perks. Only the gold and platinum editions offer more ( see comparison here ):

• Membership Rewards:  The popular Amex loyalty program allows members to collect and redeem points for travel or shopping. BMW Card holders receive 1 Membership point for each 1 Euro spent.
• Travel:  The Amex portal allows you to book hotels, rental cars, and flights. However, you should check if their deal is the best one.
• Amex offers:  Amex Offers is the Amex benefit program for all American Express cardholders, featuring discounts and cashback.
• American Express Experiences:  You gain access to a special contingent of reserved event tickets
• Travel health insurance:  Trips abroad of up to 62 days are covered. The trip does not have to be paid for by credit card. Cardholders and additional cardholders are covered. Furthermore, spouses, partners, and children up to 18 years old living in the same households are insured.
• Partner cards:  All partner or additional cards are free of charge.
• Fuel discount:  1% cashback on revenues at gas stations

Consors Finanz Mastercard

Who is consors finanz.

Consors Finanz is a subsidiary of BNP Paribas. BNP Paribas, is France’s largest bank and one of the largest banks in the world. They operate globally, offering a comprehensive range of banking, investment, and financial services to individuals, corporations, and institutions. BNP Paribas’ German subsidiary Consors Finanz specializes in consumer finance. They provide especially credits and credit cards to individualy. Consors Finanz does not operate branches in Germany but distributes its services remotely and through partners.

What languages does Consors Finanz support?

The overall language at Consors Finanz is German. The Consors Finanz Mobile Banking app is in English, too.

Can I withdraw cash for free with the Consors Finanz Mastercard?

Consors Finanz Mastercard includes free cash withdrawals worldwide if the amount is 300 Euros or above. The amount is significant, especially if you only stay a short time in a country with a foreign currency. Each withdrawal below this limit is 3.95 Euros.

Moreover, cash withdrawals are subject to immediate interest payments. In order to avoid high interest, you need to transfer to repay the withdrawal amount on the same day. Even then, a transfer can take up to 3 working days so that at least some fees should occur.

Can I use the Consors Finanz Mastercard abroad?

Yes, you can. There are no further fees within and outside the Eurozone.

Can I use my mobile phone to pay with my Consors Finanz Mastercard?

Santander supports mobile payments with Apple Pay on iPhone and Google Pay on Android.

When and how do I pay back my outstanding credit balance with  Consors Finanz ?

There are three different options to choose from in your settings:

• Payment in installments:  When you preselect this option, you can choose to repay between 2.5% and 10% (at least 9 Euros) of the outstanding balance every 30 days. You can also conduct a manual transfer to repay more or the total amount. Interest is due for this option (APR: 18.9 %). This is the only available option for cash withdrawals.
• Full quarterly repayment:  Once a quarter, you receive an invoice with all purchases of the last 90 days. This amount is then automatically deducted from your bank account. Interest is only due if you are not able to pay the total amount. Furthermore, open amounts from cash witdrawals are exempt from the interest-free period and neither automatically deducted.
• Full daily repayment:  This option follows the same rules as the full quarterly repayment. However, transactions are deducted from your bank account already on the next work day.

Extra Karte Mastercard by Novum Bank

Who is novum bank.

Novum Bank, founded in 2009, is an online bank headquartered in Malta. It provides different financial products, including prepaid debit cards and savings accounts. Novum Bank has also a entered the German market some years ago. They operate as a digital bank to provide credits and savings accounts to individual. Novum Bank offers free credit cards for consumers under its brand “Extra Karte”.

What languages does Novum Bank Germany support?

There is an English mobile application. All other touchpoints exclusively supoort German.

Can I withdraw cash for free with the  Novum Bank  Extra Karte?

No, every cash withdrawal costs 3% of the witdrawal amount but at least 3 Euros.

Can I use the Novum Bank  Extra Karte  abroad?

Yes, but there are fees of 2.99% for non-Euro transactions. 

Can I use my mobile phone to pay with my Novum Bank  Extra Karte ?

No, neiter Google Pay nor Apple Pay are available.

When and how do I pay back my outstanding credit balance of the  Novum Bank  Extra Karte?

You receive your bill on the same date each month and then have 25 days to pay it back. It is only possible by manual transfer. The minimum amount to pay back is 10% or 15 Euros. If you do not repay in full, interest is due (APR 24,60%).

What other perks does the Extra Karte include?

• Discounts and cashback:  Extra Club is a portal with exclusive vouchers and promotions.

PAYBACK American Express Card

30 Euros start bonus in PAYBACK points

Who is PAYBACK?

PAYBACK is the most-established multi-partner loyalty program in Germany. Customers earn points on purchases and redeem them for discounts, rewards, or cash. Many major retailers (e.g. dm or Rewe) and online stores (e.g. Amazon, ebay) participate in this program. It is part of the American Express express group. This collaboration allows cardholders to earn Payback points on all purchases made with the PAYBACK American Express card. Read more about American Express and its general acceptance in our review of the Amex Blue Card here .

What languages does PAYBACK American Express support?

Similar to all other American Express cards in Germany, the entire service, web interface, and mobile application are exclusively in German.

Can I withdraw cash for free with the PAYBACK American Express?

PAYBACK American Express cardholders are not entitled to free cash withdrawals. There is a fee of 4% or at least 5 Euros per withdrawal.

Can I use the PAYBACK American Express abroad?

Yes, you can. Usage within the Eurozone is free. Elsewhere, a 2% foreign currency transaction is applicable.

Can I use my mobile phone to pay with my PAYBACK American Express?

When and how do i pay back my outstanding credit balance with payback american express.

PAYBACK American Express is a charge credit card. Cardholders receive a monthly statement with their transactions. This amount is automatically deducted from the bank account. Only in case the account is insufficiently covered, interest or penalties occur. In partnership with third-party provider Splitpay, Amex offers installment repayments with interest.

What other perks does the PAYBACK American Express include?

American Express is renowned for its perks, rewards, and cashback programs. The PAYBACK American Express card is probably one of the best credit cards in Germany for reward collection. Only the paid American Express alternatives offer more ( see comparison here ):

• PAYBACK points:  Customers collect 1 PAYBACK point for every 3 Euros spent with their credit card. 1 point equals 1 cent. As at the same time, you collect points when shopping at their wide range of partners ( see list of partners here ) and redeeming coupons, the balance fills quite quickly. The collected points can then be redeemed for cash, gift cards, goods or even Lufthansa Miles&More.
• Travel:  Use the Amex portal to book hotels, rental cars and flights. However, you should check if their deal is really the best one.
• 90 day refund insurance:  Even after the return period granted by the retailer, you can use the extended right of return for new products. These must have been paid for with your American Express credit card within the last 90 days.
• Partner cards:  On demand, there is a free partner card
• 40 Euros start bonus: Clients receive the bonus in form of PAYBACK points. They can convert these points into 40 Euros cash, shopping discounts, gift cards, or goods. You will receive 2,000 PAYBACK points for successfully issuing the card. You will receive an additional 2,000 PAYBACK points for active use. It means that you make a turnover of at least 500 Euros within the first two months (excluding cash withdrawal or deductions), manage the card account correctly (e.g., no late payments), and you do not cancel the card contract within the first 12 months.

Santander Visa BestCard Basic

Who is santander.

Santander is Spain’s largest retail bank. It has a fully independent German branch, operating under German law and the German deposit insurance scheme. Hence, customers must have a German residence. The bank not only offers direct banking but also maintains branches.

This Visa credit card by Santander might be an attractive option if you also require a bank account. You can find more information on Santander’s free bank account here .

What languages does Santander Germany support?

The web interface and remote customer service are available exclusively in German. Hence, the entire opening process is in German. Foreign language skills may depend on the individual clerk when visiting a branch. The smartphone application features English, too.

Can I withdraw cash for free with the Santander BestCard Basic?

Santander BestCard Basic allows four cash withdrawals worldwide at any cash machine when using the Visa card. If you exceed this limit, there is a fee of more than 5 Euros for further cash withdrawals. The exact cost depends on the amount and location.

Can I use the Santander BestCard Basic abroad?

Yes, you can. Usage within the Eurozone does not involve any further fees for payments and cash withdrawals (given you stay within the monthly limit of complementary withdrawals). A 1.5% foreign currency transaction fee exists for countries not belonging to the Eurozone.

Can I use my mobile phone to pay with my Santander credit card?

Santander supports mobile payments on iPhone with Apple Pay. Google Pay on Android is not available.

When and how do I pay back my outstanding credit balance with Santander?

Santander BestCredit Basic is a revolving credit card. You will receive an accounts statement of your transactions from the last 30 days each month. You can then return an amount between 5% and 100% (at least 25 Euros) of the outstanding balance. However, an interest rate (APR 19,16%) is applicable if you do not repay in full. After a successful application, you can also contact Santander customer support to set up an automated monthly direct debit from your bank account for the total amount.

What other perks does the Santander BestCard Basic include?

• Travel: When using their dedicated portal, you can receive a 5% bonus on travel. However, we advise you to check whether the price offered there is the best deal.
• Merchandise purchase insurance: Goods paid by credit card are protected against robbery, burglary, or destruction within 60 days after purchase
• Fuel discount: 1% cashback on revenues at gas stations
• Partner cards: On demand, you can receive a free partner card

TARGOBANK Classic-Karte

Who is targobank.

TARGOBANK is the German branch of the french international bank “Crédit Mutuel”.

What does the TARGOBANK Classic-Karte feature?

The TARGOBANK Visa credit card is only available with a bank account from TARGOBANK. Their account is free. You can find further details here on our review of the TARGOBANK bank account here .

TF Bank Mastercard Gold

Who is tf bank.

TF Bank is a Swedish online financial institution for consumer banking and financial services. The bank was founded in 1987. It offers savings accounts, personal loans, and credit cards in seven European countries. In 2017, TF Bank entered the German market. Here, they offer a free credit card and savings account.

What languages does TF Bank support?

The overall language is German. The mobile application for TF Bank in Germany is also available in English.

Can I withdraw cash for free with the TF Bank Mastercard Gold?

There are no withdrawal fees. Neverthelss, interest on cash withdrawals is due immediately. In order to prevent these costs, you need to settle your balance on the same day through a manual transfer. However, transfers can take up to 3 working days so that at least some fees usually occur.

Can I use my TF Bank Mastercard Gold abroad?

Yes, you can. There are no conversion fees for when using the card outside the Eurozone.

Can I use my mobile phone to pay with my TF Bank Mastercard Gold?

TF Bank supports Apple Pay and Google Pay.

When and how do I pay back my outstanding balance with TF Bank?

TF Bank Mastercard Gold is a revolving credit card. On the first working day of the month, you receive an account statement for the previous month. You then have 20 working days to settle your balance and avoid interest payments. Be aware that for cash withdrawals, interest is due as of day one (APR 24,79%) . The minimum payback amount is 3% or 30 Euros. As TF Bank does not support direct debits, you need to perform a manual transfer from your bank account. Consider 2-3 working days for this manual transfer to arrive. 

What other perks does the TF Bank Mastercard Gold offer?

• High acceptance rate and easy application process: Generally, TF Bank has a high acceptance rate. Therefore, it is a great choice for expats that have only stayed in Germany for a short time. In contrast to other credit cards, there is no video identification either. You only need to upload an ID copy and sign digitally.
• Cashback and discounts:  The TF Bank Vorteilsclub offers discounts and cashback for travel as well as online shopping.
• Trip an interruption insurance
• Flight and baggage delay insurance
• Personal liability insurance abroad
• Accident insurance

More details: Read our detailed TF Bank Credit Card review

Barclays Visa

Who is barclays bank.

Barclays Bank, based in London, is one of the most popular UK banks. They offer all banking services including personal banking, corporate and investment banking. Barclays has a long-standing history dating back to 1690 and has grown into a global presence with operations across 40 countries. In Germany, Barclays offers not only corporate banking and investment solutions but also private banking solutions. The latter are especially premium as well as free credit cards, credits, and savings accounts.

Tip: Choose the Barclays Eurowings Premium Credit Card and enjoy many free perks during the first year. Then, you can easily switch to the Barclays Visa from the second year to keep the card free.

What languages does Barclays Germany support?

For their credit cards, they only offer German customer support and application interfaces.

Can I withdraw cash for free with the Barclays Visa?

Principally, yes. There are no withdrawal fees. However, there is interest on cash withdrawals as of the first day. Hence, you would have to top up your credit card balance by transferring money beforehand. There is a dedicated credit card account connected to your card for this.

Can I use my Barclays Visa abroad?

Yes, you can. Also, use outside of the Eurozone is free as there are no conversion fees for foreign currencies.

Can I use my mobile phone to pay with my Barclays Visa?

When and how do i pay back my outstanding balance with barclays.

Barclays Visa is a revolving credit card. Once a month, you receive a statement with the transactions of the last 28 days. The due date is another 28 days later. Hence, you do not have to pay interest for up to 56 days. Be aware that certain expenses (e.g. cash withdrawals, lotteries, casinos, investment platforms) are exempt from this interest-free period. You can then return an amount between 3% and 100% (at least 30 Euros) of the outstanding balance. There is interest due (APR 23,74%) if you do not repay in full. To automate the repayment process, it is possible to set up an automated monthly direct debit from your bank account for the total amount. Unfortunately, this option costs 2 Euros per month.

What other perks does the Barclays Visa offer?

• Travel:  Bookings using the Reiseservice Plus portal feature 5% cashback. We advise you to however check if there are no better deals on other sites.
• Delivery insurance for online shopping:  Goods purchased online are protected against loss or damage until they are delivered. There are maximums of 1,000 Euros per item and 2,000 Euros per year.
• Partner cards:  You can receive up to 3 free additional cards
• 25 Euros start bonus: After receiving the card, you must register transactions of 100 Euros or more within the first four weeks. Then you qualify for the bonus.

Hanseatic Bank Genial Card

Who is hanseatic bank.

Hanseatic Bank has its headquarters in Hamburg. It was established in 1969 and specializes in financial solutions for consumers. These include savings accounts, installment loans, and credit cards. Hanseatic Bank sells its products predominately online or through partners. Since 2005, the majority stake in Hanseatic Bank belongs to Société Générale, one of France’s top banks. Otto Group, a leading corporation in Germany’s retail and services sector, owns the remaining shares. They are especially famous for their free Visa credit card in Germany.

What languages does Hanseatic Bank support?

The customer service and interfaces are in German. Nevertheless, there is also a German version of the mobile application.

‘Can I withdraw cash for free with the Hanseatic Bank Genial Card?

Yes, Hanseatic Bank does not charge fees for cash withdrawals abroad. In some countries, the individual ATM provider may charge a fee. The minimum withdrawal amount is 50 Euros. In Germany, each ATM withdrawal costs 3.95 Euros. You can get cash without fees at participating German retailers.

‘*Can I use the Hanseatic Bank Genial Card abroad?

Yes, you can. For transactions with your Hanseatic Bank Genial Card in Euros and any other currencies, no further fees occur.

Can I use my mobile phone to pay with my Hanseatic credit card?

Yes, Hanseatic Bank supports Apple Pay and Google Pay.

When and how do I pay back my outstanding credit balance of the Hanseatic Bank Genial Card?

On the 25th of the month, you receive a statement of your transactions of the last 30 days. You can preset to repay between 3% and 100% (at least 20 Euros) for repayment. The amount is automatically deducted from your connected bank account by the end of the month. Interest (APR 20,03%) is only due if you do not decide to repay the total amount.

What other perks does the Hanseatic Bank Genial Card include?

• Travel:  You receive a 5% travel discount on Hanseatic’s portal. We advise to check in advance if they really offer the best deal.
• Discounts:  Hanseatic bank has a portal with exclusive vouchers and promotions.

norisbank Mastercard

Who is norisbank.

norisbank is the online banking branch of Germany’s largest private bank “Deutsche Bank”.

What does the norisbank MasterCard feature?

The norisbank credit card is only available with a bank account from norisbank. Their account is free. You can find further details here on our review of the norisbank bank account here .

ICS Visa World Card

Paused: No new cards issued

Please note that ICS has paused issuing new credit cards since January 2024.

Who is ICS?

International Card Services (ICS) is a major credit card provider in the Netherlands. ICS is a subsidiary of ABN AMRO Bank, the third-largest Dutch bank. They provide various credit card options for private individuals and businesses: standard credit cards, premium cards with additional benefits, and co-branded cards. ICS issues the Visa World Card, which is a free credit card in Germany without annual fees. There is also a premium option with further benefits.

What languages does ICS support?

Mobile banking is in German, English and Dutch. The remaining touchpoints are in German.

What languages does ICS Germany support?

The web interface, remote customer service and opening process are only in German. The smartphone application features Dutch and English, too.

Can I withdraw cash for free with the ICS Visa World Card?

ICS Visa World Cards allows unlimited cash withdrawals worldwide at any cash machine. Please not that there are additional fees for card usage outside the Eurozone. If you use the card to withdraw cash in Germany the fee is 4% or at least 5 Euros.

Can I use the ICS Visa World Card abroad?

Yes, you can. However, a 2% foreign currency transaction fee applies when using the card outside the Eurozone. Transactions in Euros are free of charge.

Can I use my mobile phone to pay with my ICS Visa World Card credit card?

ICS Visa World Card is neiter compatible with Apple Pay nor Google Pay.

When and how do I pay back my outstanding credit balance with ICS World Card?

ICS World Card is a revolving Visa credit card. Once a month, you receive an account statement for the last period. You then have 21 working days to settle your balance and avoid interest payments. The minimum payback amount is 2.5% or 20 Euros. If you do not pay back the total amount, you pay interest (APR: 15.9%). To avoid cost and facilitate repayments, you can set up an automated monthly direct debit from your bank account for 100% of the amount due.

What other perks does the ICS World Card include?

• Travel:  You can receive a 5% bonus on their travel portal. Please check whether the price offered there is the best deal. Moreover, you can collect 4% travel credit for booking.com reservations through ICS.
• Internet insurance:  You receive your money back in case of online fraud.

3. Major Brands in Germany: Visa Credit Card, Mastercard, and American Express

Only some years ago, German stores rarely accepted credit card payments. But things have changed. Nowadays, almost every store that takes electronic payments also accepts credit cards. Three names usually stand out for credit card issuers: Visa, Mastercard, and American Express.

• Visa  credit card is widely accepted across Germany. Recently, it has become the most popular brand. Currently, Germany has about  18 million  basic credit cards for everyday purchases and premium cards (e.g., travel insurance or rewards) issued by Visa .
• Mastercard  is just behind Visa, equally serving around about  18 million  users. Mastercard offers a similar range of card types, some of which include price protection and identity theft protection.
• American Express , often called Amex, is known for its premium service and rewards program. About  3 million  Germen credit cards are currently in circulation. However, retailers often have to pay higher fees when accepting Amex payments. Hence, the acceptance rate in Germany is significantly lower. Cardholders appreciate the benefits that come with the brand: Extensive travel insurance, exclusive event access, and a superior rewards program.

4. C redit Card, Debit Card, and Prepaid Card: Understanding the Differences

Often, people only talk about requiring a “Visa,” “Mastercard,” or “credit card.” However, there are four different types with distinct differences in how they function:

• Charge credit cards : This is probably the most common type of credit card in Germany when you get it together with a bank account. The total balance is deducted from your bank account once a month. This way, you cannot run into high-interest payments because of missed payments. Nevertheless, penalties are charged if the transaction fails because you have insufficient funds in your current account.
• Revolving credit cards : You do not have to pay interest until the due date (usually 30-60 days in the future). Afterward, you can decide on the amount you want to pay back. Although, there is interest accruing on any unpaid amount. It is preferable to choose a German credit card provider that allows you to set up an automated direct debit for the total amount from your bank account once it is due. This way, it is not possible to run into debt by accident.
• Debit cards : The focus is on efficient payment, as the money is immediately deducted from your account. Accruing debt is impossible, but debit cards also offer fewer perks. They are primarily available in combination with any standard current account. Check here for our review on bank accounts and debit cards in Germany .
• Prepaid cards : You must load money onto the card before using it. Prepaid cards function much like debit cards, with the difference being that they are not linked to a bank account. These cards are often dedicated to people with a short or adverse credit history.

Our review for the best credit card in Germany focuses on charge and revolving credit card features and benefits. Only these cards offer you perks and the option of delayed payments, e.g., to cover the duration between travel expenses and a refund from your employer. They are also necessary for hotel or rental car bookings as they allow a company to “block” a certain amount.

However, please refer to our  dedicated review of the best German bank accounts  if you want a debit card.

5. Factors to Consider in Choosing The Best Credit Card

Everyone has different needs. Hence, deciding on a premium or free credit card depends on your spending behavior and needs. Here are some essential aspects to keep in mind:

• Fees:  Some credit cards come with annual fees. Our reviews focus on cards without monthly fees. Still, some issuers may charge fees for foreign currency transactions, cash withdrawals, or interest.
• Sign-up Bonuses:  Many credit cards attract new users with enticing incentives: Cash, cashback rewards, or bonus points are just some options.
• Rewards Programs:  Some credit card companies reward usage with cashback, airline miles, or loyalty points.
• Benefits: Some of the best credit cards in Germany also come with complementary insurance packages or partner cards.

6. Conclusion

Choosing the best credit card in Germany is a personal decision. First, reflect on your lifestyle, and then consider the fees, sign-up bonuses, rewards programs, or other features such as insurance packages. We advise you to have a detailed look at the entire list to select the best option for you. Although, there are lots of premium options with a variety of perks, you can choose from a variety of free credit cards in Germany. Some highlights for every purpose are:

• Eurowings Gold is one of the best credit cards in Germany for you in case you look for a holistic package and premium perks. They offer an insurance package and Lufthansa miles. You get free cash withdrawals, no foreign transaction fees, automatic repayment of debt, and an English mobile app.
• TF Bank Mastercard Gold is very expat-friendly with liberal credit checks and no foreign-transaction fees. The interest free period of up to 51 days and the English mobile app are highlights.
• PAYBACK American Express and BMW Card by American Express are free Amex credit cards. It includes a generous cashback program, shopping discounts, a start bonus and a free partner cards. The outstanding balance is automatically deducted from your bank account.
• Santander BestCard Basic comes with a full-fledged bank account and free cash withdrawals.

7. Frequently Asked Questions

What is the best credit card for students in germany.

For students it is often hard to obtain a credit card in Germany. Banks perform checks on credibility and fixed income. These criteria are often hard to fulfill as a student. Generally, it is easier to obtain a debit card. You can visit our list of bank accounts with debit cards to find a suitable option. If you require a “real” credit card, you can apply at TF Bank or Advanzia Gebührenfrei . They distribute free credit cards in Germany and are usually open to issue cards to students.

What is the best credit card for expats in Germany?

You can principally apply for any German credit card. This goes especially, if you have been registered in Germany for a longer time and maintained a local bank account. However, if you have just arrived, it is harder to get accepted. In this case, TF Bank or Advanzia Gebührenfrei are popular choices.

If a debit card is sufficient for your needs, take a look at our overview here.

What is my credit card limit? How can I increase my credit card limit?

When applying, the credit card provider calculates your credit card limit based on your personal data, income, credit score (SCHUFA), and other factors. In the beginning, this limit can be low. You have different options to increase it:

• Top-up:  Some banks (e.g., Barclays) set up a dedicated account and connect it to your credit card. Hence, you can use it like a prepaid card and transfer money there. Your credit limit automatically increases according to the transfered amount .
• Early repayment:  To reset your credit limit, you can repay your debt via a manual transfer ahead of time.
• Request for extension:  You can contact customer service and request an extension. It works best after some months of frequent use and reliable repayments.

Does N26 offer a credit card?

N26 offers a Mastercard debit. You can use it at ATMs, retailers and online stores that welcome payments by Mastercard. Every transaction is immediately deducted from the N26 bank account. You cannot spend more than your account balance unless overdraft is available. However, interest is due immediately then. Rental car providers or hotels usually do not accept debit cards. It is not possible to block amounts as a booking guarantee on them. You can check our review of N26 here .

A comparison of “real” free credit cards is available here . 

Disclaimer:

The information in this post is non-binding and for informational purposes only. It is not a complete market overview. We do not take responsibility for the accuracy and up-to-dateness of the data. Please re-check the final conditions and prices on the providers’ websites (§18 ZKG).

We do not intend to provide financial advice. All investments involve risks of loss.

Some of the links in this article are promotional links. We gain a commission if you purchase an item or open an account following this link. It helps us keep this site running and does not come at any cost to you.

Table of Contents

Advanzia bank mobile app has multi-language “get started” screen, used for initial registration. The app itself is in German only.

Thanks for this very helpful comment. We have corrected our description in order to share this information with other users.

I live in wv u s a I am a German citizen with German passport I have lived here for 50 years and want to travel back home. Can you tell me how to get a German credit card without having a German mobile telephone. I have tried on line but can’t get pass the phone part.

Hi Wolfgang, Thanks for the question. For a credit card, you definitely need a German phone number, address, residence, and local bank account. This is because a credit check will be performed. We recommend you to get the credit card once you have arrived in Germany, registered, and opened a local bank account.

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Banks Germany

Airline credit cards in germany for frequent flyer miles.

Table of Contents

Travelling home once a year or regularly flying for business, it always helps to collect flyer miles for that free trip, upgrade or status for that lounge access. One of the ways to collect those miles are by using an Airline credit card which also allows you to earn miles when you spend. Co-branded airline credit card with perks like priority boarding, waived bag fees, and so on also allows you to higher earning potential and greater flexibility.

Unlike the US, airline credit card choices are limited in Germany, but there are still plenty of frequent flyer programs and credit cards to choose from.  This page lists the frequent flyer programs and the best airline credit cards in Germany.

Which Airline Loyalty Program?

There are many airline loyalty programs out there, and it can be difficult to determine which is the best for you. Here are a few things to consider when choosing an airline loyalty program:

• The airline or airlines you fly most often.
• The destinations you travel to most often.
• The redemption options.
• The earning and redemption rates.
• Elite status benefits.

Ultimately, the best loyalty program for you will depend on your personal travel patterns and preferences. It may be helpful to join a few loyalty programs and see which works best for you.

Airline Alliances

Airlines within an alliance allow you to collect miles in one airline of the alliance and use them on another airline. So you can choose a credit card which gives you miles for the alliance in which the airline you frequently fly is a member.

• Star Alliance – Lufthansa, United and others
• One Wold – American Airlines, British Airways, Quantas, and others
• Skyteam – KLM, AirFrance, Delta and others
• Other Programs: Asia Miles (Cathay Pacific, and others); Etihad; Emirates.

Which card should I get – Miles and More or American Express?

Here is a quick overview of the different Points Credit Card offerings in Germany, the Loyalty Program, and Partner Airlines to which you can redeem or transfer the points.

Comparison of Points credit card in Germany

Here is a comparison of credit cards from Lufthansa Miles & More, and American Express:

American Express Membership Rewards

American Express Membership Rewards is a loyalty program offered by American Express that allows cardholders to earn points for making purchases with their American Express credit card. These points can then be redeemed for a variety of rewards, including travel, merchandise, gift cards, and experiences.

Transfer Membership Reward points

One of the ways that you can use your American Express Membership Rewards points is by transferring them to a number of airline and hotel loyalty programs. This can allow you to redeem your points for flights, hotel stays, and other travel-related rewards.

Each partner has its own transfer ratio, which is the number of Membership Rewards points you need to transfer in order to receive a certain number of partner points. For example, you might need to transfer 1,000 Membership Rewards points to receive 800 partner points.

Check the latest transfer ratio here: https://www.americanexpress.com/de-de/rewards/membership-rewards/travel/airlines?currenttravelproducttype=Travel

It’s important to note that transfer ratios can vary, and some partners may have more favourable ratios than others. Additionally, transfer times may vary depending on the partner, so it’s a good idea to check the transfer times before making a transfer.

It’s also worth noting that some partners may have restrictions or blackout dates for award travel, so it’s a good idea to check the terms and conditions of the partner program before making a transfer.

American Express Point transfer ratio:

Recommendation:, do you often fly with lufthansa.

Miles and More Gold Credit Card. It provides better miles earning possibility, and also very helpful travel insurance.

Miles and More Gold Card

Earn Miles and More points

Free Travel Insurance when booking with the card

Do you fly on other airlines or are not sure which loyalty program to select?

American Express Gold Card. It provides excellent travel insurance, 90-day purchase return insurance, as well as an additional card for free,

American Express Gold Card

Earn Membership Reward Points

Comprehensive Travel Insurance

90-day purchase return insurance

Do you want to use the points for other purchases?

American Express Payback card . With the Payback Loyalty program, you can earn points by shopping at many select supermarkets in Germany. It also provides many options to redeem the Payback points for shopping in Germany.

Earn Payback Points

Redeem Payback points with Miles and More or with any Loyalty program partner like Supermarkets

Miles and More Blue

Miles and More Gold

American Express Payback

American Express Blue

American Express Card

American Express Gold

American Express Platinum

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14 Best Travel Credit Cards of August 2024

Best travel cards main takeaways.

• Money has evaluated hundreds of credit cards, comparing their fees, benefits, welcome offers, travel insurance policies and more.
• The top credit cards for travel offer high rewards on travel purchases, which can be redeemed for airfare, hotel nights, cash back, statement credits or more.
• Our picks feature the best travel cards for every budget and include no-annual-fee, low-annual-fee, premium and business cards.

Why Trust Us?

Our editorial team has spent well over a thousand hours analyzing, evaluating and comparing the top credit card offers in the market. We carefully vet each card’s fine print in order to understand their features, limitations and potential benefits for consumers. We review cards independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

• 46 travel credit cards evaluated
• 10+ data points used, including ongoing fees, reward programs and welcome offers
• 100+ sources reviewed

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. This site does not include all card companies or all available card offers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities. Our top picks are listed strictly in alphabetical order.

Our Top Picks for Best Travel Credit Cards

Best no-annual-fee travel credit cards.

• Bank of America® Travel Rewards Credit Card – Best no-annual-fee travel card for flat rate rewards
• Bilt Mastercard® – Best no-annual-fee travel card for paying rent
• Capital One VentureOne Rewards Credit Card – Best no-annual-fee card for travel partners
• Chase Freedom Unlimited® – Best no-annual-fee travel card for domestic travel
• Discover it® Miles Credit Card – Best no-annual-fee travel card for simple rewards
• Wells Fargo Autograph℠ Card – Best no-annual-fee travel card for everyday spending

Best low-fee-annual-fee travel credit cards

• Capital One Venture Rewards Credit Card – Best travel card for flat-rate rewards
• Chase Sapphire Preferred® Card – Best travel card for flexible rewards

Best premium travel credit cards

• American Express® Gold Card – Best travel card for dining
• Capital One Venture X Rewards Credit Card – Best low-cost premium travel card
• Chase Sapphire Reserve® – Best premium travel credit card
• The Platinum Card® from American Express – Best travel card for lounge access

Best business travel credit cards

• The Business Platinum Card® from American Express – Best business travel card

Best airline travel credit cards

• United℠ Explorer Card: Best airline credit card

Best Travel Credit Cards Reviews

Best no-annual-fee travel credit cards.

• No annual fee
• No foreign transaction fees
• Earns 1.5x points on all purchases
• No bonus category for travel
• Few benefits compared to other cards
• Limited redemption options

Why we chose it: The Bank of America® Travel Rewards Credit Card is an easy-to-use card best suited for travel reward beginners or those who are already Bank of America customers.

Some cardholders can earn up to 75% more points if they are Bank of America Preferred Rewards members — that’s up to 2.62 points for every dollar spent.

However, the card doesn’t offer hotel and airline point transfer partners, travel insurance or extended warranty and purchase protection. Additionally, you can only redeem your points as statement credit to cover travel and dining purchases.

All information about Bank of America® Travel Rewards Credit Card has been collected independently by Money.com

• No annual or foreign currency conversion fee (Click herehttps://www.wellsfargo.com/credit-cards/bilt/terms/">here; for rates and fees)
• Use it to pay your rent and earn rewards without incurring any processing fees
• You can earn double points on all purchase categories (except rent payments) on the first of every month (up to 10,000 points)
• Earn 2x points on travel (when booked directly through an airline, hotels, car rental agencies and cruise lines)
• No welcome bonus or introductory APR period
• Points redeemed for statement credits are worth 0.55 cents each
• You must make at least five transactions in a statement period to earn points
• Rent payments can only be made to one rental property per month

Why we chose it: The Bilt Mastercard® lets you earn travel rewards on rent payments without incurring any processing fees — unlike most credit cards that typically charge around 2.5% to 2.9% per rent payment.

You can use the card to pay rent without worrying about surcharges. Once you get approved for the card, all you have to do is set up an account through the Bilt app or website and use your assigned routing and account number to pay rent through your usual payment portal. You can also use your card even if your landlord only accepts checks, and Bilt will send a check on your behalf.

Additionally, Bilt doubles the card’s rewards rates on the first of every month, which means you can earn 6x points on dining, 4x points on travel and 2x points on other purchases (up to 10,000 points per month). However, this bonus doesn’t apply to rent rewards.

On the downside, the Bilt Mastercard® doesn’t offer a welcome bonus, and points redeemed for statement credits are only worth 0.55 cents each.

• Can transfer your miles to 16 travel partners
• Earns 5x miles per dollar on hotels and rental cars booked through Capital One Travel
• Doesn't earn bonus points on airfare
• No domestic travel partners

Why we chose it: The Capital One VentureOne Rewards Credit Card is a great option if you’re looking for a no-annual fee travel credit card with a simple rewards structure.

You can use your miles to book travel through the Capital One Travel portal or as a statement credit to cover travel purchases made from airlines, hotels, rail lines, car rental agencies and more.

You can also transfer your points to one of Capital One’s 16 travel partners, which include international airlines such as Avianca and British Airways. This option is notable since travel credit cards with no annual fee don’t typically offer the option to transfer your reward to airline and hotel partners.

However, the card’s list of bonus categories is limited compared to some other no-annual-fee credit cards, and Capital One doesn’t offer bonus points on airfare booked through Capital One Travel.

• Includes trip cancellation/interruption and car rental insurance
• Features a high flat cash back rate combined and popular bonus categories
• 3% foreign transaction fee

Why we chose it: The Chase Freedom Unlimited® is the best credit card for traveling domestically. It offers a 1.5% flat cash back rate on most purchases plus it has several appealing bonus categories, including travel and dining.

This card charges a 3% foreign transaction fee, that is, on any transactions made in currency other than US dollars. However, if you mostly travel within the U.S., this card is an excellent option.

For one, you’ll earn an additional 1.5% on each of the card’s bonus categories during the first year of card membership (or up to the first $20,000 spent).

Also, although using this card abroad is not recommended, you can still use it to book international trips while you’re home, and you’ll earn 5% cash back if you book it through Chase Travel℠.

You can redeem your rewards for cash back, travel, gift cards and even transfer them to other cards that earn Chase Ultimate Rewards® points. It’s also worth noting that this card is one of the few no-annual-fee credit cards with rental car coverage and trip cancellation and interruption insurance.

• No annual or foreign transaction fees
• Discover matches the total miles you earned at the end of the first year
• Earns 1.5x miles on all purchases
• See your FICO score on the Discover mobile app, online and on statements
• Few benefits compared to other travel cards
• Doesn't include extended warranty or purchase protection

Why we chose it: The Discover it® Miles Credit Card is a no-frills card ideal for travelers who don’t want to keep track of bonus categories, earning caps or redemption values.

The card earns a flat 1.5x miles on all eligible purchases without any annual caps. You can redeem your miles for statement credits and account deposits at a rate of 1 cent per mile. You can also use your rewards through Amazon and PayPal checkout with the same value.

Also, the card’s welcome bonus is easily one of the best in the market: Discover matches every mile you’ve earned at the end of your first membership year — without any spending requirements.

However, while the Discover it® Miles Credit Card is a great starter travel card, its lack of bonus categories could hinder your reward-earning potential in the long run. Additionally, Discover cards aren’t as widely accepted internationally as Visa Signature and World Mastercard, for example.

All information about the Discover it® Miles Credit Card has been collected independently by Money.com.

• Earn 3x points on restaurants, travel, gas stations, select streaming services and cell phone plans
• Includes cell phone protection plan
• No airline or hotel transfer partners
• Doesn't include travel insurance
• Netflix and HBO are not eligible for streaming bonus

Why we chose it: The Wells Fargo Autograph℠ Card is the best travel reward card for everyday spending, offering high rewards on several popular spending categories, including travel, dining, gas, streaming services and cell phone plans.

Its travel bonus category is particularly noteworthy because you can earn points regardless of where you make your reservations, whether it’s directly with an airline or through a third-party travel site like Booking.com. (Most travel credit cards limit travel rewards to bookings made exclusively through the card issuer’s travel portal.)

The card also includes rental car insurance and a cell phone protection plan when you use it to pay your monthly bill.

All information about the Wells Fargo Autograph℠ Card has been collected independently by Money.com.

Best Low-Annual-Fee Travel Credit Cards

• Earn 2x miles per dollar on most purchases
• Up to $100 credit for Global Entry or TSA PreCheck(R)
• Includes travel accident and car rental insurance
• Fewer bonus categories than other cards with a similar annual fee ($95)
• Doesn't offer travel rewards for flights
• Car rental insurance is secondary

Why we chose it: The Capital One Venture Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture Rewards is ideal for those who want to get the most out of their spending without worrying about tracking bonus categories and spending caps.

You can redeem your miles on the Capital One travel portal and as statement credits to cover travel purchases at a value of one cent per mile. Additionally, you may transfer your miles to more than 15 airline and hotel partners.

However, keep in mind that Capital One doesn’t have domestic travel partners, which can be a drawback if you mainly travel within the U.S.

• Points are worth 25% more when redeemed for travel purchases through Chase TravelSM
• Receive a point bonus each account anniversary
• Includes primary rental car insurance
• Earn 3x per $1 on dining, including eligible delivery and takeout meals, select streaming services and grocery purchases
• $95 annual fee
• Doesn't offer a Global Entry/TSA PreCheck(R) application fee credit

Why we chose this card: The Chase Sapphire Preferred® Card is the best travel credit card for frequent travelers who want to earn valuable rewards while paying a low annual fee.

The card features six reward categories that offer outstanding rewards on flights, hotels, restaurants and more. You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through the Chase Travel℠ portal, which increases your point’s usual one-cent value by 25%.

You can redeem your points for statement credits, account deposits, gift cards and more. But you can get the most bang for your buck by redeeming them for travel purchases through Chase Travel℠, which increases your point’s usual one-cent value by 25%.

You can also transfer your points to one of Chase’s 14 travel partners at a 1:1 ratio (one Chase point equals one hotel point or airline mile). These include popular airlines and hotels like JetBlue, Southwest, United, Marriott and Hyatt.

Best Premium Travel Credit Cards

• High rewards at restaurants and supermarkets
• 3x points on flights booked directly with airlines or Amextravel.com
• Annual statements credits for select restaurants (enrollment required)
• High annual fee ($325)
• Includes few travel perks and insurance policies compared to similarly priced cards

Terms apply. Please click here for applicable rates and fees.

Why we chose it: The American Express® Gold Card is ideal for foodies, offering a high reward rate at restaurants worldwide and U.S. supermarkets, takeout and food delivery. (Terms apply.)

The American Express® Gold Card also offers statement credits worth up to $240 combined — almost enough to offset the card’s $325 annual fee. These include:

• Up to $120 every year in dining credits ($10 per month) for select restaurants and food delivery services. The list includes Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys (Enrollment required)
• Automatically get $10 monthly in Uber Cash to use on Uber Eats or Uber rides in the U.S. (after you add the American Express® Gold Card to your account)
• $100 credit for dining, spa services and other activities when you book a two-night minimum stay at a hotel from The Hotel Collection through American Express Travel
• Terms apply

However, note that the American Express® Gold Card offers fewer travel perks than some other premium cards — for instance, it doesn’t offer trip cancellation and interruption insurance or TSA PreCheck® or CLEAR® Plus fee credits.

• 10,000 bonus miles every year
• Statement credit of up to $300 for bookings made through Capital One Travel
• Up to a $100 credit on Global Entry or TSA PreCheck(R)
• Skip the line and get car upgrades when renting a car with Hertz
• High annual fee ($395)
• Fewer bonus categories than other premium cards
• No domestic airline transfer partners

Why we chose it: The Capital One Venture X Rewards Credit Card is the best credit card for travel miles if you want to earn a high reward rate and not worry about bonus categories.

The Capital One Venture X also includes noteworthy perks such as:

• 10,000 bonus miles every year (starting on your first anniversary)
• $300 annual credit for bookings through Capital One Travel
• Up to a $100 credit for Global Entry or TSA PreCheck®
• Access for you and two guests to 1,300+ lounges worldwide with Priority Pass™ Select and Plaza Premium Group
• Authorized users at no extra cost (many cards have an annual fee of $75 or more for each additional user)

All in all, the Venture X is a solid option that can easily compete with other premium travel cards, especially considering its more affordable annual fee.

• Up to $300 in statement credits each anniversary year to cover travel purchases
• Transfer your points to 14 travel partners (including United, Southwest, JetBlue and Marriott)
• Points worth 50% more when redeemed for travel expenses through Chase TravelSM
• Comprehensive travel insurance coverage, including emergency dental insurance
• High annual fee ($550)
• Doesn't include a cell phone protection plan

Why we chose it: The Chase Sapphire Reserve® is the best credit card for travelers looking for a high reward rate on travel and additional benefits like comprehensive travel insurance and airport lounge access worldwide.

Your points are worth 50% more when you redeem them for travel through the Chase Travel℠ portal. This means each point is worth 1.5 cents per point instead of one cent, like most travel cards. Also, the Chase Sapphire Reserve® provides several high-end benefits such as:

• $300 annual travel credit to cover travel-related purchases like airfare, hotels, car rentals, rideshares, buses, trains, tolls and/or parking
• Access for you and two guests to 1,300+ airport lounges worldwide (after a one-time enrollment in Priority Pass™ Select)
• Statement credit of up to $100 every four years for Global Entry, TSA PreCheck® or Nexus

The Sapphire Reserve does have a $550 annual fee. But if you take advantage of the $300 annual credit and other perks, the benefits can definitely outweigh its cost.

• Access to the widest network of airport lounges of any card
• Complimentary elite status in the Marriott and Hilton hotel loyalty programs
• Hundreds of dollars in annual statement credits for travel, dining and more
• High annual fee ($695)
• Doesn't include baggage delay, travel accident and primary rental car insurance
• Limited bonus categories

Terms apply. Click here for rates and fees.

Why we chose this card: The Platinum Card® from American Express offers a list of premium benefits that no other travel card offers, including the widest network of airport lounges and room upgrades at Hilton and Marriott hotels. (Terms apply.)

The Platinum Card® from American Express features an impressive list of high-end travel benefits, including:

• Complimentary access to over 1,400 airport lounges, including Priority Pass, Delta SkyClub and Amex’s own Centurion lounges (enrollment required)
• Gold status in the Marriott and Hilton loyalty programs, which makes you eligible for room upgrades, free breakfast and late checkouts (enrollment required)
• $200 back each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card® (Hotel Collection bookings require a minimum two-night stay)
• Up to $200 per year when incidental fees, such as checked bags, are charged by the airline to your Platinum Card® (with one selected qualifying airline)
• Complimentary premium status in Avis Preferred®, Hertz Gold Plus Rewards®, and/or National Car Rental® Emerald Club (must enroll through your Amex online account using your card)

The Platinum Card® from American Express does have a hefty $695 annual fee. However, for people who travel often and will take advantage of its annual credits and travel perks, it might almost pay for itself.

Best Business Travel Credit Cards

• 5X points on flights and prepaid hotels booked through AmexTravel.com
• Around $1,000 in yearly statement credits for select business purchases
• Access to a wide network of airport lounges (terms apply)
• Around $600 in perks in Fine Hotels + Resorts(R) locations booked through American Express Travel (for stays of two nights)
• Secondary rental car coverage**

Why we chose it: The Business Platinum Card® from American Express features an extensive list of benefits that make it an ideal travel and business credit card.

With this card, you can access over 1,400 airport lounges worldwide, comprehensive travel insurance and extra amenities at hundreds of hotels, like daily breakfast and free internet access. Additionally, you get a $200 credit to cover baggage fees, in-flight refreshments and more and up to $100 for Global Entry or $85 for TSA PreCheck® every four or 4.5 years respectively. (Terms apply.) (Enrollment required.)

The card also offers several yearly statement credits for business-related purchases that include up to $400 per year — $200 between January and June and $200 between July and December — for U.S. purchases with Dell (enrollment required).

The Business Platinum Card® from American Express does have one of the steepest annual fees ($695) among travel credit cards, but its extensive list of benefits makes it a no-brainer for business owners who travel frequently.

Best Airline Travel Credit Cards

• Free first checked bag for you and a companion
• Up to $100 as a statement credit for Global Entry, TSA PreCheck(R) or NEXUS every 4 year
• 25% back as a statement credit on food, beverages and Wi-Fi on board United-operated flights
• Complimentary priority boarding for you and companions traveling on the same reservation
• $95 annual fee (after the first year)
• No intro APR period
• Rewards are only valuable when used with United

Why we chose it: The card_name has a low annual fee and gives you valuable benefits that make up for it, such as priority boarding for everyone on the reservation and a free checked bag for you and one companion.

Other perks the card includes are:

• Two one-time passes for United Club℠ airport lounges each account anniversary year
• 25% back as a statement credit on in-flight purchases like food, beverages and Wi-Fi
• Up to $100 every four years to cover the cost of TSA PreCheck®, Global Entry or NEXUS
• Comprehensive travel insurance (auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance and trip delay reimbursement)

The United℠ Explorer Card earns miles on United purchases, including tickets, inflight food, beverages, Wi-Fi and more. You also earn rewards at restaurants and select hotel stays.

You can use your miles to book flights on United Airlines or its partners, including Avianca, Lufthansa and Air Canada. You can also redeem them for seat upgrades, inflight Wi-Fi passes and more — although United miles are usually more valuable when used for airfare.

Travel Credit Cards Guide

The best credit cards for travel do more than offer high reward rates on flights and hotel stays. They also provide rewards for everyday spending and perks such as travel insurance , airport lounge access and annual statement credits.

Here’s a rundown of how these cards work:

What is a travel credit card?

Travel credit cards are tailored for frequent travelers, providing high rewards on travel-related expenses like flights, hotels, rental cars and dining. These rewards, earned as points or miles, can be used to book travel reservations. Additionally, rewards can sometimes be transferred to hotel and airline partners or be redeemed for statement credits, cash back, gift cards and more.

These cards also feature valuable perks such as no foreign transaction fees, hotel discounts, travel insurance, free checked bags and airport lounge access.

How do travel credit cards work?

Travel credit cards give you a certain number of points or miles per dollar on eligible purchases. They often offer around 5x points or more for airfare, hotel rooms, rental cars and more. Some cards may also count parking, bus fares, taxis, tolls and ferries as travel purchases.

Besides travel, you typically get additional bonus categories, such as 3x points per dollar on dining, groceries, drugstores or streaming services. All other eligible purchases usually get at least one point (1x) per dollar.

You can then redeem your points for flights, hotels, car rentals, cruises and more. Card issuers also usually let you redeem your points for non-travel options like statement credits, cash back or gift cards.

Pros and cons of travel credit cards

• Some cards offer up to 10x points per dollar on travel purchases.
• Many have additional bonus categories for dining, grocery shopping and more.
• They may include travel benefits like priority boarding, airport lounge access and late hotel checkouts.
• Points or miles can also be redeemed for cash back, statement credits, gift cards and more.
• Highest reward rates are usually limited to purchases made through the card issuer's travel portal.
• They might not offer high rewards on spending outside of the travel category.
• Some of the best ones can have steep annual fees and require good to excellent credit
• Redeeming points or miles for anything other than travel can reduce their value to less than one cent per dollar.

Types of travel credit cards

Here’s a rundown of the differences between the three main types of travel rewards credit cards:

Airline credit cards

Airline credit cards are ideal for people who regularly fly with the same airline. These cards earn miles you can redeem for flights, seat upgrades, inflight dining, airport lounge access and other travel-related purchases but typically only with the issuing airline.

Some of the best airline travel credit cards include benefits like free checked bags, priority boarding and discounts on in-flight purchases.

Hotel credit cards

With hotel credit cards, you can only redeem your points for stays, discounts and other benefits with one particular hotel chain.

For example, the Hilton Honors American Express Surpass® Card earns points for Hilton’s loyalty program, which you can redeem for free nights in the company’s properties, including Hilton Garden Inn and Waldorf Astoria hotels.

Hotel credit cards may also offer complimentary breakfast, room upgrades, late checkouts and bonus points for purchases made during your stay.

General travel credit card

General travel credit cards are more flexible than airline or hotel cards. They aren’t affiliated with a single airline or hotel chain, so their points can be used to book flights, hotel stays, rental cars and more from different companies.

These cards may also offer useful perks for frequent travelers, like airport lounge access. They can also cover the cost of a Global Entry or TSA PreCheck® membership, which allows you to skip the long lines at airport security or customs.

How to choose a travel credit card

Picking the best travel rewards credit card boils down to how often you travel, which cardmember perks you’d benefit the most from and the categories you spend the most on.

Here are some factors to keep in mind when choosing the best card for you:

• Travel vs cash back credit cards. A travel rewards credit card offers high reward rates on travel spending, and you’ll get the most bang for your buck when you redeem your points on flights, hotels and car rentals. If you don’t take trips often but want to pile up rewards, a cash-back credit card might be a better fit. These tend to offer better rewards for everyday expenses, like gas and groceries.
• Assess your everyday spending. Many travel cards have additional bonus categories other than travel, like dining, supermarkets, streaming services and drugstores. Consider your day-to-day spending habits and pick a card with bonus categories that fit your lifestyle.
• Consider the card’s annual fees. No-annual-fee travel cards usually have few travel benefits. The best travel credit cards charge annual fees of at least $90 and can go as high as $700. However, these are often best for those that travel enough to take advantage of their benefits.
• General vs. co-branded travel cards. General travel cards have more flexible redemption options. On the other hand, co-branded cards are often tied to a specific airline or hotel, which can limit your options. Still, they do provide valuable perks like free checked bags, in-flight discounts and hotel upgrades.
• Compare extra travel perks. Some cards offer extras like annual statement credits for flights and hotels or upgrades when renting cars. Take the time to compare each card’s roster of add-ons and pick one that will best suit your travel plans.
• Compare insurance policies. The best credit card travel benefits include insurance policies that cover travel accidents, rental cars, trip cancellations and more. These policies can vary widely based on the issuer and the card’s annual-fee tier.
• Beware foreign transaction fees. Most travel credit cards don’t charge foreign transaction fees. Some cash-back cards may offer outstanding rewards for travel purchases but charge around 3% fees on purchases outside the U.S.
• Look beyond welcome offers. A 60,000-point welcome bonus can be enticing. However, it shouldn’t be your deciding factor, especially if you’ll end up paying a high annual fee without getting your money’s worth.

Making the most of your travel credit card

Here are some other tips to maximize your rewards and benefits:

• Use your card as often and strategically as possible. This way, you can earn points or miles with each purchase and redeem them for free or discounted flights, hotels and more. (Remember to pay your card off in full each month to avoid interest charges and credit card debt .)
• Consider adding an authorized user to your account. They’ll earn points with every purchase they make, and those will get added to your overall total. However, make sure to pick someone who will use the card responsibly since you’ll be legally liable if they ever fail to pay their monthly bills.
• Redeem your rewards for travel through the card issuer’s website. This redemption option usually offers the highest value compared to gift cards or merchandise, for example.
• If your card offers travel protections (like travel accident or luggage insurance), use it to pay for your passenger fares. This way, you could be reimbursed in the event of an accident or lost luggage, for example.
• Use your airline or hotel card to sign up for the company’s frequent flyer or frequent guest loyalty program. You’ll often earn extra points or miles when you’re a member and use your co-branded card to pay for flights, hotel stays and more.
• If you can transfer points from other credit cards to your travel card, take advantage of this feature. This way, you can accumulate extra points for travel booking and sometimes even increase their value.

Best Travel Credit Cards FAQs

Are travel credit cards worth it, how do credit card miles work, how much are airline miles worth, how many miles do you need for a free flight, what's the difference between points and miles, what credit score do i need to get a travel credit card, how we chose the best travel credit cards.

We ranked the best credit cards for travel based on their annual fees, benefits, reward rates and redemption flexibility.

Fees: We compared interest rates and foreign, cash advance and balance transfer fees for more than 50 credit cards. We also considered their annual fee, looking for those that offered the most for the money.

Ongoing benefits: Intro APR and bonus offers are attractive, but they can only get you so far. We focused on cards with year-round benefits such as travel insurance or cell phone protection plans.

Reward rates: We preferred cards that allow you to earn extra points from travel expenses, as well as those that provide significant bonus rewards in popular spending categories, like dining, supermarkets or streaming services.

Redemption flexibility: Our picks don’t limit your redemption options to just travel. Some let you use your points for Amazon purchases, for example. We also preferred issuers that allowed cardholders to transfer their points to airline and hotel partners.

Summary of Money’s Best Travel Credit Cards of August 2024

Money.com has partnered with CardRatings for our coverage of credit card products. Money.com and CardRatings may receive a commission from card issuers.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

To see rates and fees for the American Express® Gold Card, visit this link . Terms apply.

To see rates and fees for The Platinum Card® from American Express, visit this link . Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Trip Cancellation and Interruption Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

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The top 11 credit cards with annual travel statement credits

Editor's Note

Travel rewards credit cards entice new cardholders with flashy welcome offers and waived annual fees during the first year. They can also help you beat rising travel costs due to inflation.

However, many premium rewards cards on the market also offer ongoing travel benefits. These perks include airport lounge access and Global Entry or TSA PreCheck application fee reimbursements, as well as annual statement credits toward travel purchases.

These can be especially useful for stays at boutique hotels that aren't part of a major loyalty program or even when using ride-hailing apps to get from your hotel back to the airport.

Credit card travel credits can vary from a flat $300 per year for a wide variety of travel purchases — as you get with the Chase Sapphire Reserve® — to up to $200 per calendar year as a statement credit specifically for non-ticket airline incidentals on your selected carrier with The Platinum Card® from American Express (enrollment is required; terms apply).

In this guide, we'll walk through which credit cards have annual travel credits and how flexible they are for hotels, flights and everything in between.

Overview of cards with annual travel credits

Multiple credit cards offer annual travel credits, which can help offset portions of a trip where cash is required.

However, the rules for using these credits can vary by card. Let's look at the amount of credit you can receive on each card and its welcome bonus before exploring the details of what you can and can't use these credits for each year.

The information for the Premium Rewards Elite, Citi Prestige, Hilton Amex Aspire, Ritz-Carlton and U.S. Bank Altitude Reserve cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

American Express Gold Card

The Amex Gold is generally recommended for foodies, but it provides some useful travel benefits as well.

Annual travel credit: Up to $120 in Uber Cash each calendar year — up to $10 monthly delivered in the form of Uber Cash that can be used on U.S. Uber rides and Uber Eats purchases, making the credits exceptionally versatile. Enrollment is required; terms apply.

Current welcome offer: Earn 60,000 bonus points after spending $6,000 on eligible purchases with your card within the first six months of card membership. Plus, receive 20% back in statement credits on eligible restaurant purchases (up to $100) within the first six months of card membership. Offer ends 11/6.

You might be eligible for a higher targeted offer via the CardMatch tool ; offers are subject to change anytime.

Annual fee: $325

Other benefits: Amex Gold cardmembers earn 4 points per dollar at restaurants (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and at U.S. supermarkets (on up to $25,000 in purchases each calendar year, then 1 point per dollar), 3 points per dollar on flights booked directly with airlines or on amextravel.com, 2 points per dollar on prepaid hotels and other eligible purchases booked through amextravel.com and 1 point per dollar on other eligible purchases.

This card earns Membership Rewards points, which you can transfer to a total of 21 airline and hotel partners . As a cardmember, you can earn up to a total of $10 in statement credits monthly (up to $120 in annual dining statement credits each calendar year) when you pay with the Amex Gold at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys. Enrollment is required; terms apply.

You can also earn up to $84 per calendar year (up to $7 per month) in statement credits for Dunkin' Donuts purchases in the U.S. and up to $100 per calendar year (up to $50 biannually) for purchases made at Resy-affiliated restaurants in the U.S. and on other eligible Resy purchases. Enrollment is required; terms apply.

To learn more, read our full review of the American Express Gold .

Apply here: American Express Gold Card

Bank of America Premium Rewards Credit Card

With the opportunity to earn elevated rewards if you're a member of the Bank of America Preferred Rewards® program, the Bank of America Premium Rewards can be a strong addition to a traveler's wallet.

Annual travel credit: Up to $100 in statement credits for airline incidentals like checked bags, seat selection or upgrades each year.

Current welcome offer: Receive 60,000 bonus points after spending at least $4,000 in the first 90 days of account opening.

Annual fee: $95

Other benefits: The Bank of America Premium Rewards card has a solid rate of return. Cardholders earn 2 points per dollar on travel and dining and 1.5 points per dollar on everything else.

You can boost your earnings from 25% to 75%, depending on how much you have in deposits with Bank of America and Merrill through the Bank of America Preferred Rewards program .

Points can be redeemed for statement credits, gift cards and purchases through the Bank of America Travel Center or as a deposit to a Bank of America account at a rate of 1 cent apiece. The card waives foreign exchange fees and will reimburse cardholders for a Global Entry or TSA PreCheck application fee once every four years (up to $100).

To learn more, read our full review of the Bank of America Premium Rewards credit card .

Apply here: Bank of America Premium Rewards Credit Card

Bank of America Premium Rewards Elite Credit Card

Despite its hefty annual fee, the Bank of America Premium Rewards Elite can be worth considering for anyone heavily invested in the Bank of America ecosystem.

Annual travel credit: Up to $300 in statement credits for airline incidentals like checked bags, seat selection or upgrades each year.

Current welcome offer: Receive 75,000 bonus points after spending at least $5,000 in the first 90 days of account opening.

Annual fee: $550

Other benefits: The Bank of America Premium Rewards Elite card mirrors the earning rates on the Premium Rewards card: 2 points per dollar on travel and dining and 1.5 points per dollar on everything else.

If you're a Bank of America Preferred Rewards member, you can earn an additional 25% to 75% bonus points on purchases, depending on how much you have in deposits with Bank of America and Merrill. Points can be redeemed for statement credits , gift cards and purchases through the Bank of America Travel Center or as a deposit to a Bank of America account at a rate of 1 cent apiece.

Cardholders also receive a 20% discount when paying for airfare with points through the Travel Center and up to $100 in reimbursement for Global Entry or TSA PreCheck application fees once every four years.

Finally, cardholders can receive up to $150 in statement credits annually for eligible purchases, such as video streaming services, food delivery and ride-hailing services.

Related: The best premium credit cards: A side-by-side comparison

The Business Platinum Card from American Express

If you own a business with a high monthly expenditure, the Amex Business Platinum is a great card to consider.

Annual travel credit: Up to $200 in statement credits on airline incidental fees charged by the carrier on one select airline each calendar year.

Current welcome offer: Earn 150,000 bonus points after spending $20,000 on eligible purchases within the first three months of card membership.

Annual fee: $695

Other benefits: The Amex Business Platinum offers similar benefits as the personal version and some great additional ones.

The card offers annual statement credits to cardmembers for business and travel expenses with companies like Dell, Adobe and Clear Plus every calendar year.

Cardmembers can earn 5 Membership Rewards points per dollar on flights and prepaid hotels booked through Amex Travel, 1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more on up to $2 million of these purchases per calendar year and 1 point per dollar on everything else.

Cardmembers also receive a 35% rebate when redeeming points for airfare booked through Amex Travel (up to 1 million points per calendar year) on their selected qualifying airline or for business- or first-class tickets on any airline.

Enrollment is required for select benefits; terms apply.

To learn more, read our full review of the Amex Business Platinum .

Apply here: The Business Platinum Card from American Express

Capital One Venture X Rewards Credit Card

The Capital One Venture X is one of the best premium travel cards on the market right now.

Annual travel credit: $300 in annual credits for bookings made through the Capital One Travel portal .

Current welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

Annual fee: $395 (see rates and fees )

Other benefits: The Capital One Venture X is a premium credit card that has garnered attention in the points and miles world. Cardholders earn 10 miles per dollar on hotel and car rentals booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel and 2 miles per dollar on all other eligible purchases.

Capital One miles transfer to 15-plus airline and hotel loyalty programs, such as Air Canada Aeroplan , British Airways Executive Club and Turkish Airlines Miles&Smiles .

Other Venture X benefits include unlimited access to Capital One and Priority Pass lounges , a Global Entry or TSA PreCheck statement credit, the ability to add a number of authorized users for free (and share those lounge benefits; see rates and fees ), 10,000 bonus miles as an anniversary bonus every year and more.

To learn more, read our full review of the Capital One Venture X .

Apply here: Capital One Venture X Rewards Credit Card

Chase Sapphire Reserve

The Chase Sapphire Reserve is one of the most popular credit cards we recommend here at TPG, and for good reason.

Annual travel credit: $300 annual travel credit as reimbursement for a broad range of travel purchases charged to your card each account anniversary year.

This credit will apply automatically to the first $300 spent on travel, and purchases covered by this credit don't qualify for bonus points-earning rates.

Current welcome offer: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Other benefits: The Chase Sapphire Reserve is widely considered to be one of the best all-around travel rewards credit cards, thanks to its slate of chart-topping benefits.

In addition to that annual travel statement credit, cardholders earn 10 points per dollar on car rentals and hotels booked through Chase Travel℠, 10 points per dollar on Lyft rides (through March 2025), 5 points per dollar on flights booked through Chase Travel, 3 points per dollar on other travel and dining worldwide and 1 point per dollar on everything else.

Ultimate Rewards points transfer to 11 airline partners, including Southwest and Air Canada, and three hotel partners , including Hyatt, IHG and Marriott. Points may also be redeemed directly through Chase Travel for 1.5 cents apiece.

Cardholders can access Priority Pass lounges and be reimbursed up to $100 once every four years for a Nexus, Global Entry or TSA PreCheck application fee.

Other benefits include a complimentary two-year Lyft Pink membership (when activated by Dec. 31), a complimentary DashPass from DoorDash (when activated by Dec. 31, 2027) and a range of travel protections.

To learn more, read our full review of the Chase Sapphire Reserve .

Apply here: Chase Sapphire Reserve

Citi Prestige Card

Although the Citi Prestige is no longer open to new applicants, existing cardholders can take advantage of its travel benefits.

Annual travel credit: Up to $250 worth of annual travel statement credits each calendar year toward travel purchases, including airline tickets, hotel stays, car rentals, commuter transportation, subways, taxis, train tickets and more. This credit applies automatically.

Current welcome offer: The card is no longer available to new applicants.

Annual fee: $495

Other benefits: If you're a Citi Prestige cardholder, you earn an incredible 5 points per dollar at restaurants, on air travel and with travel agencies. Cardholders also earn 3 points per dollar at hotels and on cruise lines and 1 point per dollar on all other purchases.

Citi ThankYou points transfer to 20 airline and hotel partner programs , including Air France-KLM Flying Blue, Virgin Atlantic Flying Club and Wyndham Rewards.

As a cardholder, you can enter Priority Pass lounges and receive the fourth night free on up to two hotel stays per year when booking through Citi concierge or at ThankYou.com.

With this card, you won't pay foreign transaction fees, and you can receive Global Entry or TSA PreCheck application fee reimbursement once every five years.

Learn more: Citi Prestige

Hilton Honors American Express Aspire Card

The Hilton Amex Aspire is Hilton's top-of-the-line credit card. It offers a range of benefits for avid Hilton fans.

Annual travel credit: Up to $400 per calendar year (up to $200 semi-annually) on eligible purchases made with Hilton Resorts and up to $200 on flight purchases made directly with the airline or through Amex Travel per calendar year (up to $50 per quarter). Enrollment is required; terms apply.

Current welcome offer: Earn 150,000 bonus points after spending $6,000 in purchases on the card within the first three months of card membership.

Other benefits: The Hilton Honors Aspire earns a whopping 14 points per dollar on Hilton purchases , 7 points per dollar on flights booked through Amex Travel or directly with airlines, on car rentals and at U.S. restaurants and 3 points per dollar on everything else.

The Hilton Amex Aspire offers automatic top-tier Hilton Honors Diamond status and an annual free night reward . Cardmembers also get up to $100 in credits for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking two-night-minimum stays by phone. Enrollment is required for select benefits; terms apply.

Learn more: Hilton Honors American Express Aspire

The Platinum Card from American Express

Prospective cardmembers may raise their eyebrows at its annual fee, but the Amex Platinum comes with a wide range of benefits to justify its cost.

Annual travel credit: Up to a $200 statement credit on airline incidental fees with your preferred airline each calendar year. Unfortunately, airfare itself does not count per the terms. Cardmembers can also score up to $200 in annual Uber Cash every calendar year (for U.S. services, up to $15 per month Jan. - Nov. and up to $20 in Dec.) after adding their Card in the Uber app.

Current welcome offer: Earn 80,000 bonus points after spending $8,000 in the first six months. You may be eligible for a higher targeted offer via the CardMatch tool ; offers are subject to change at any time.

Other benefits: The Amex Platinum Card has plenty of perks to justify its high annual fee. Cardmembers earn 5 points per dollar on airfare booked directly with an airline or through American Express Travel (on up to $500,000 on these purchases per calendar year, then 1 point per dollar), 5 points per dollar on prepaid hotels booked through American Express Travel and 1 point per dollar on everything else.

This card earns Membership Rewards points, which you can transfer to a total of 21 airline and hotel partners. Cardmembers can also receive up to $200 in annual credits for certain hotel bookings every calendar year, an up to $199 reimbursement for their annual Clear Plus membership fee each calendar year and a statement credit for a Global Entry ($100, every 4 years) or TSA PreCheck (up to $85, every 4½ years) application fee . Enrollment is required for select benefits; terms apply.

The card gets you into Centurion Lounges and offers Priority Pass lounge access , plus Delta Sky Club access when you're on a same-day Delta flight (limited to 10 annual visits from Feb. 1, 2025). At hotels, enjoy value-added benefits when booking stays through Amex Fine Hotels + Resorts plus Gold status with Hilton Honors and Gold Elite status with Marriott . Enrollment required for select benefits.

To learn more, read our full review of the Amex Platinum .

Apply here: The Platinum Card from American Express

Ritz-Carlton Rewards Credit Card

Although the Ritz-Carlton card is no longer open to new applicants, it is possible to product-change to this card from one of Chase's Marriott Bonvoy cobranded cards.

Annual travel credit: Up to $300 in credits for airline lounge day passes or membership, airline seat upgrades, airline baggage fees, inflight Wi-Fi/entertainment or inflight meals. You will need to message Chase to manually request these credits.

Current welcome offer: No longer open to new applicants.

Annual fee: $450

Other benefits: The Ritz-Carlton Card offers more to travelers than just the $300 in annual travel credits. Additional benefits include an annual free night award worth up to 50,000 points, a Priority Pass Select membership and Gold Elite status with Marriott Bonvoy .

Cardholders also can be reimbursed for their application fees for Global Entry or TSA PreCheck every four years and receive a $100 hotel credit toward dining, spa treatments or other hotel recreational activities on paid stays of two nights or longer at Ritz-Carlton and St. Regis properties.

Related: Best Marriott credit cards

U.S. Bank Altitude Reserve Visa Infinite Card

The U.S. Bank Altitude Reserve is an underrated premium travel card and a great choice for those who want to keep their wallet simple.

Annual travel credit: Up to $325 in statement credits per cardmember year for purchases made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines. It can also be applied to restaurants (plus takeout and delivery) and fast-food and bar purchases.

Current welcome offer: Earn 50,000 bonus points after spending $4,500 within 90 days of account opening.

Annual fee: $400

Other benefits: U.S. Bank Altitude Reserve Visa cardholders earn 5 points per dollar on prepaid hotel bookings and car rentals made through the Altitude Rewards Center, 3 points per dollar on travel and eligible mobile wallet purchases and 1 point per dollar on everything else.

Cardholders can redeem points for 1.5 cents apiece on airfare, hotels and car rentals booked through the Altitude Rewards Center and for lower values for other purchases. If used mostly for travel, your rate of return is a considerable 4.5% on most purchases.

As a cardholder, you'll also enjoy eight Priority Pass passes for airport lounge access, reimbursement for a Global Entry or TSA PreCheck application fee every four years and waived foreign transaction fees .

Learn more: U.S. Bank Altitude Reserve Visa Infinite Card

Bottom line

Whether you prefer a travel rewards card that earns transferable points , a cobranded hotel card or a card that earns fixed-value points, some phenomenal options offer annual travel statement credits.

Picking one of them will ensure you continue to get value from your credit card long after you've earned its welcome bonus and paid its annual fee.

Related: 12 credit cards that can get you $1,000 or more in first-year value

For rates and fees of the Amex Platinum, click here . For rates and fees of the Amex Business Platinum, click here . For rates and fees of the Amex Gold, click here .

How Do Travel Credit Cards Work?

Travel credit cards allow you to earn points and miles you can redeem for flights, hotel stays and more.

Getty Images

You'll maximize the value of your rewards by using your issuer's travel or shopping portal instead of a third-party site.

Key Takeaways

• Travel credit cards offer rewards that can save you money on the likes of flights and hotel stays, plus perks for the traveler.
• Co-branded cards apply to specific airlines or hotel chains, while general cards offer flexibility.
• Travel credit cards may come with annual fees, but higher fees may mean more rewards and perks.

Transitioning from cash back credit cards to travel credit cards can feel a little daunting. But once you get the hang of it, it's almost as straightforward. Almost.

Types of Travel Credit Cards

General travel credit cards.

These are your regular travel cards that offer rewards within a card issuer's benefits program. Say you have the American Express® Gold Card . You would redeem your rewards using the American Express Membership Rewards program. This can all be done in the app, so it's less complicated than it sounds.

These types of travel cards are best for consumers who don't have any kind of allegiance to a particular hotel or airline. These cards also have flexible redemption options, so depending on the issuer, consumers can transfer rewards to a number of travel partners.

Hotel Credit Cards

You might have seen these being called co-branded cards. That's because these cards are a partnership between a hotel chain and an issuer. Points can be redeemed for hotel perks, like free stays and room upgrades. Consumers also earn the most rewards when they use their card at their preferred hotel chain.

For example, consumers with the Hilton Honors American Express Aspire Card earn 14 Hilton Honors Bonus Points for every dollar they spend at Hilton hotels and resorts. It's worth noting, though, that cards with high earning rates often charge higher annual fees. Such is the case with the Aspire Card, as it charges an annual fee of $550.

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Airline Credit Cards

Also considered co-branded cards, airline credit cards cater to the consumer who frequents a specific airline. Many offer introductory bonuses in the form of miles and provide perks like award flights, free checked bags and priority boarding.

The Delta SkyMiles® Blue American Express Card , for example, has a welcome offer of 10,000 miles after you spend $1,000 in eligible purchases in the first six months as a cardholder. And cardholders earn 2 miles for every dollar spent on Delta purchases and at restaurants worldwide. ( See Rates & Fees )

Common Travel Credit Card Perks

These benefits will vary depending on the type of travel credit card you have, but many perks include:

• No foreign transaction fees
• Trip cancellation and/or trip delay insurance
• TSA PreCheck or Global Entry application fee credit
• Baggage delay or lost baggage insurance
• Auto rental collision damage waiver
• Airport lounge access

How Travel Credit Cards Work

Cardholders can earn points and miles in the same way they'd earn cash back. Just use your travel credit card for purchases that help you get the most rewards. Once you're ready to spend them, it's best to use your issuer's travel or shopping portal instead of a third-party site. Your rewards will have a slightly higher value that way.

Miles earned on an airline credit card get deposited into your airline frequent flyer program, usually when your statement closes. Similarly, hotel points earned on a hotel credit card get deposited into your hotel loyalty account.

Rewards earned on general travel cards have a bit more flexibility. Many have travel partners, allowing you to transfer rewards to multiple airlines, hotels and car rental companies.

How to Redeem Rewards

Rewards programs typically use a 1-to-1 conversion rate – this means one point is worth 1 cent. So 100 points are worth $1. But some issuers offer higher redemption values if you use their travel portal.

For example, if you have a Chase Sapphire Preferred® Card , one point is worth 1.25 cents when you redeem through the Chase Travel portal. Chase Sapphire Reserve® has an even higher redemption rate of 1.5 cents per point.

Another way to maximize your rewards is to transfer points or miles to a travel partner with a loyalty program you participate in. You can do this through the issuer's portal. It's worth noting, however, that once you transfer your rewards to a travel partner, you can't transfer them back to the issuer.

Once you've made the transfer, your credit card issuer is no longer part of the booking process. You then book your trip through the airline or hotel loyalty program.

How to Pick the Right Travel Card

There are a plethora of travel credit cards out there. Here's what to consider when choosing the one right for you:

• Travel preferences. Picking the right travel card means figuring out how you travel. For instance, if the airline or hotel doesn't matter to you, then a general travel card is a good starting point. But if you consider yourself, say, a Delta die-hard, a co-branded airline card would be a better option.
• Introductory bonus. When you apply is almost as important as the type of card you apply for. Issuers often change their welcome offers on a yearly basis. Unfortunately, it's impossible to predict when an issuer will increase its welcome offer. But compare these offers and determine if you're able to comfortably meet the requirements before deciding on a card.
• Annual fee. There are plenty of travel credit cards with no annual fee for the budget-conscious traveler. But remember, the higher the fee, the better the perks (usually).
• Essential perks. That TSA PreCheck or Global Entry credit can go a long way. Or maybe you know you're an over-packer and need that first-checked-bag-free credit. Make sure the travel card checks all your boxes.

After learning how to get the most out of your new travel card, you'll be able to pay for whole trips with just rewards. They're essential for those consumed with wanderlust.

Tags: credit cards , Travel Credit Cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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MarketWatch Guides is a reviews and recommendations team, independent of the MarketWatch newsroom. We might earn a commission from links in this content.  Learn More

Travel Insurance for a Germany Vacation (2024)

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

Whether you’re trekking in the Black Forest or sightseeing in Cologne, unforeseen situations can arise during a vacation to Germany. Travel insurance for Germany can protect you against financial losses if unexpected medical treatment, trip cancellations or travel delays hinder your plans.

We at the MarketWatch Guides Team have researched and reviewed the best travel insurance companies to help you navigate coverage, costs, benefits and insurance requirements for your trip to Germany.

Compare Travel Insurance Companies for Germany

Why trust marketwatch guides.

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Germany?

Germany travel insurance requirements vary based on where you are traveling from and if you need a visa. Travel insurance is optional for U.S. citizens and other travelers who do not require a visa as long as they stay in Germany for less than 90 days. But if you need a visa to enter Germany or the Schengen Area, then travel insurance is mandatory. Visit the Schengen visa website to learn about Germany visa requirements and applications.

If you have to cancel your trip unexpectedly , Germany travel insurance may cover some of your prepaid, nonrefundable expenses. This could include reimbursements for flights, lodging and travel excursions. Generally, travel insurance covers trip cancellations for the following reasons:

• Jury duty or legal obligations
• Death of an immediate family member or travel companion
• Unforeseen medical injury or a serious health condition
• Natural disasters
• Acts of war or terrorism

Travel insurance can also provide emergency medical coverage if you need health care abroad. Germany ranks among the top countries in the world for its high-quality health care system. Tourists will have to pay for treatment out of pocket, and medical costs can add up if your health insurance does not extend overseas. Purchasing a medical travel insurance plan can offer coverage and ensure peace of mind in case you need medical care while vacationing in Germany.

Cancel for Any Reason Coverage

Cancel for any reason , or CFAR, coverage is an optional upgrade to standard travel insurance policies that covers travel cancellations for any given reason. It is a worthwhile investment if you prefer flexibility, but will increase the cost of your premium.

CFAR coverage extends cancellation benefits beyond the reasons covered by your standard policy. Say you’re planning an anniversary trip to Hamburg and booked a nonrefundable hotel, but decide that Munich is a better option. With CFAR insurance, you can submit a claim for reimbursement of the lost lodging costs — simply because you changed your mind.

Although CFAR coverage offers flexibility, it is subject to deductibles, disclaimers and restrictions. Be sure to review coverage exclusions before you purchase this optional insurance.

Gear Theft Protection

Germany is considered a safe country for U.S. citizens to visit. However, as with every major city in Europe, there may be scams, crime and petty theft. If you’re visiting major cities like Berlin or Munich, you may want to consider gear theft protection.

You may want to bring your valuables to Germany, like a camera to photograph the Bavarian Alps or Oktoberfest. Gear theft protection covers you in case your items are lost or stolen. Coverage may include the following valuables:

• Laptop, mobile phone or tablet
• Professional camera
• Camera equipment, including tripods and stabilizers
• Sporting gear and equipment, like ski helmets, ski poles and snowboards

Most travel insurance plans cover valuable items up to a predetermined cost. But gear theft protection may not include coverage for all of your valuables. Review your policy for limitations and exclusions and consider leaving irreplaceable items at home. Medical Emergency Insurance and Emergency Medical Evacuation

If you have a medical emergency in Germany without travel insurance, you can endure a significant financial setback. While standard travel insurance policies provide some coverage, you are not guaranteed full reimbursement for any treatment you receive.

Medical travel insurance can include coverage for the following:

• Hospital expenses
• Operating room fees
• Ambulance costs
• Dental emergencies
• Lab tests and X-rays

Most travel medical insurance plans also provide emergency medical evacuation and repatriation. This coverage protects you from the cost of medical evacuation to your home country if you can’t receive the required health care in Germany.

Like the neighboring countries of Switzerland and Austria, Germany is considered an adventure aficionado’s haven. But keep in mind that travel medical insurance may not extend to extreme sports. However, some companies offer this protection as a policy add-on.

Rental Car Protection

The public transportation system in Germany is modern, well-connected and runs frequently. While public transit offers a budget-friendly, easy way of getting around, some travelers may prefer to rent a car.

Renting a car allows you more freedom to travel at your own pace, but there is more responsibility involved. Germany legally requires all rental cars to have unlimited third-party liability insurance. While this protection is automatically included when you rent a car, it offers minimum coverage.

Travel insurance with rental car protection can cover you if a rental car is damaged. Although the details differ from policy to policy, most premium rental car insurances include the following:

• Collision damage waiver
• Theft protection
• Windshield and tire protection
• Roadside assistance
• Personal effects and injury insurance

Standard travel insurance policies may only include rental vehicle excess to provide coverage if your rental vehicle is damaged or stolen. This protection can help you recoup financial losses if you’re held liable. Other providers may offer varying rental car coverages as add-ons, which increase your premium.

Trip Cancellation Insurance

Most travel insurance coverage includes nonrefundable and prepaid trip expenses up to a predetermined limit. Trip cancellation insurance can protect you from financial loss by reimbursing a canceled flight , hotel or even travel excursions.

Some of the accepted reasons you can file a claim for trip cancellation insurance include:

• Hospitalization
• Serious injury or unforeseen illness
• Death of a family member or travel companion
• Severe weather conditions
• Military orders (including domestic or international terrorism)

How Much Does Germany Travel Insurance Cost?

Whether you’ve decided on a short-term, single trip or an annual multi-trip policy, travel insurance costs can vary depending on many factors. Coverage costs largely depend on your personal preferences, destination and other travel plans.

To receive an insurance quote, you will need to provide the following information:

• Number of travelers
• Destination country and city
• Country of residence
• Trip length
• Total trip price

To determine the total trip price, factor in flights, accommodation and all nonrefundable and prepaid expenses. Many cheap travel insurance options are available if you are on a budget.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Germany. The below quotes are for a 30-year-old traveler from Florida, traveling to Germany for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Although policies differ between each insurance company, the above quotes can help you determine the cost of travel insurance . Each plan includes the following coverage:

• COVID-19 Cancellation
• COVID-19 Medical
• Trip cancellation
• Trip interruption
• Medical evacuation
• Medical costs

How Do I Get Travel Insurance for Germany?

Before planning your vacation to Germany, see what coverage you already have. Contact your current health insurance provider to see if your coverage extends abroad. Some credit card companies include travel health insurance and trip protection, and you can typically purchase flight insurance when booking with an airline.

If you want to purchase travel insurance for your trip to Germany, make sure to compare various plans and policies. We recommend you request quotes from at least three companies before deciding which travel insurance plan is best for you. Consider factors like pre-existing medical conditions and the activities you want to include in your itinerary. Review each policy in detail for exclusions and deductibles before purchasing.

Germany Safety Tips

Germany is considered safe and has low crime rates, but crime can still occur. Before you jet off on your German vacation, here are some safety tips to keep in mind.

Crime and Safety

Germany ranks high for safety in the Global Peace Index (GPI) and crime rates are low by global standards. However, there are recorded scams, petty theft and crime in major cities. Pickpocketing is an issue in Berlin and Munich, so practice general precautions when visiting.

Day Trips, Tours and Excursions

From learning about the history of Hamburg to exploring the Black Forest, Germany is home to many day trip destinations. You can also take a day trip to other European Union member states like Switzerland or Austria. Travel insurance can provide coverage for certain excursions and related costs, including gear rental if you are planning to golf.

Germany has lifted all COVID-19 restrictions as of February 2023. You will no longer be required to present a vaccination passport or negative PCR test if you are entering the Schengen Area. There are also no coronavirus restrictions on German public transport.

Consider a travel insurance policy with extended COVID-19 coverage if you worry the virus could interfere when you visit Germany.

Is Travel Insurance for a Germany Vacation Worth It?

If you have a U.S. passport, you do not need travel insurance to enter Germany, but purchasing an insurance policy can be worth it depending on several factors.

Travel insurance can protect you from financial loss if unexpected circumstances arise, like unexpected flight delays or cancellations, lost baggage and medical emergencies. Purchasing a policy to cover medical costs, trip cancellations and more can provide peace of mind so you can focus on enjoying your vacation.

Frequently Asked Questions About Travel Insurance in Germany

Can i claim flight compensation if my trip to germany gets canceled.

Unless you have travel insurance, refunds for canceled or delayed flights are subject to the airline and not always guaranteed. But purchasing travel insurance can add protection from financial loss if your flight is canceled due to a covered reason.

What type of travel insurance do I need for Germany?

The best travel insurance for you will depend on your personal preferences and coverage needs. If you are concerned about emergency medical events, look into travel insurance plans that offer comprehensive health coverage. Or seek a policy with extended trip cancellation and delay coverage if travel interruptions are your main concern.

Do I need travel insurance with a German visa?

If you are a U.S. citizen, you do not need to fill out a visa application if you plan to visit Germany for less than 90 days. Otherwise, you will need a visa , which mandates you have travel insurance to enter the country.

Is German health care free for visitors?

German public health care is only accessible to residents of the country. Visitors have to pay for treatment upfront. You claim reimbursement later on if your health care offers coverage abroad or you have travel medical insurance. Temporary visitors from other Schengen countries can use their European Health Insurance Card (EHIC) for emergency medical treatment.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Money blog: New timeline for €7 charge to visit Europe

Welcome to the Money blog, your place for personal finance and consumer news and tips. Today's posts include a look at Premier League jersey prices and a timeline for new visa charges in Europe. Let us know which discontinued sweet or treat you'd like to see revived in the comments box.

Tuesday 20 August 2024 18:29, UK

• New timeline for €7 visa-waiver charge to visit Europe
• Tesco hiking price of meal deal - it's no longer the cheapest
• Gold price reaches record high - here's what's going on

Essential reads

• How much does it cost to buy a Premier League home kit in 2024?
• Will one of country's most beloved sweets return to shops?
• Pay at every supermarket revealed - and perks staff get
• How couples split finances

Tips and advice

• How to get money back when purchase over £100 goes wrong
• 'Should I top up my national insurance and could it really get me £6,000 extra?'
• Fixed energy tariffs that could help you beat winter price rise
• All discounts you get as student or young person

Ask a question or make a comment

The first £1 coins featuring King Charles have entered circulation, with collectors encouraged to look out for the historic addition to the nation's change.

Nearly three million of the new designs will be making their way into pockets and tills across the country this week, via Post Offices and banks throughout the UK.

The £1 coin has a pair of British bees on the "tails" side, in honour of the King's passion for conservation and the natural world, and Charles' official coin effigy on the obverse, or "heads".

The other designs, which will be introduced in line with demand, are the 1p showing a hazel dormouse, the 2p red squirrel, the 5p oak tree leaf, 10p capercaillie grouse, 20p puffin, and the £2 with the national flowers - rose, daffodil, thistle and shamrock.

Giving workers the "right to switch off" is key to productivity and could boost economic growth, Downing Street has said.

Labour has promised to give employees the right to ignore work-related calls and emails out of hours, so homes do not become "24/7 offices".

Ministers are looking at models in other countries where there is already a right to disconnect, such as Ireland and Belgium.

The prime minister's spokesperson said the plan was about making sure "we're not inadvertently blurring the lines between work and home life".

The plans were not a "one size fits all" and would recognise companies vary and people have different roles, she added.

The number of firms in England and Wales going bust last month rose by 16% year-on-year, according to official figures.

Commentators said the 2,191 company insolvencies showed how many businesses were still recovering from the impact of high inflation and borrowing costs, despite growing optimism about the UK's economic outlook.

The figure was 7% down on June's total, but insolvency levels remain much higher than those seen during both the pandemic and in the years following the 2008/09 financial crisis, officials said.

Rebecca Dacre, a partner at advisory firm Forvis Mazars, said the data was "a strong reminder that many businesses are still a long way off from recovery".

By Sarah Taaffe-Maguire , business reporter

BT's share price has fallen, wiping off an estimated £1bn from the company's value. 

One share now costs £134.45, a low last seen 10 days ago.  

It comes after an internet network rival CityFibre struck a deal with broadband supplier Sky. 

This means that Sky will now use CityFibre's network to offer its services starting next year. 

It's a hit to BT as Sky customers are hosted on BT's Openreach network. Under the plan, Sky aims to connect so-called "hard-to-reach areas".

CityFibre reaches 3.8 million homes and aims to expand and reach "at least" 8 million premises in the coming years, it said.

"This partnership with Sky is a huge vote of confidence in our business and has cemented CityFibre's position as the UK's third digital infrastructure platform," said company chief executive Greg Mesch.

Formerly British Telecoms, BT is worth roughly £14.44bn, based on the number of shares issued and the share price.

The head of financial analysis at investment platform AJ Bell Danni Hewson said the CityFibre detail may not be that significant. 

"BT shares came under pressure on fears of an enhanced competitive threat for its Openreach broadband operation amid chatter Sky might start partnering with CityFibre in 2025. 

"However, CityFibre's modest scale and focus on rural areas suggest it shouldn't be a huge issue."

Sky is the owner of Sky News.

UK citizens will need to pay a €7 visa-waiver charge to travel to Europe from next year after the EU revealed its timeline for the introduction of new entry requirements for some visitors.

The additional charge, which is similar to the US ESTA, is part of a series of new border checks and entry requirements the EU is bringing in.

They'll apply when entering the Schengen area, which includes 27 EU member states, plus Iceland, Liechtenstein, Norway and Switzerland. 

The waiver will last for three years or until your passport expires.

Its official title is the European Travel Information and Authorisation System (ETIAS), and its implementation will follow the introduction of the EU Entry/Exit System (EES). The latter will require people to have their fingerprints registered and their pictures taken on arrival to airports.

Addressing the rollout, EU home affairs commissioner Ylva Johansson said the EES will enter into operations on ­10 November while the ETIAS will follow shortly after that in 2025 - likely May.

By Daniel Binns, business reporter

The price of gold has soared to a record high of more than $2,522 (£1,938) per ounce today.

It comes after months of the precious metal steadily rising in value.

Many factors are thought to have played a part, but analysts believe the latest leap is largely down to the weaker US dollar and growing expectations that the US Federal Reserve will cut interest rates next month.

Lower rates tend to make a country - and its currency - less attractive to investors, because they end up getting lower returns on bonds, shares and other investments.

There are also general worries about the status of the US economy, amid rumblings it could enter a recession this year or next - although some commentators have downplayed the likelihood of this.

But it is not just the US that is on the cusp of reducing the cost of borrowing.

The European Central Bank and the Bank of England both recently cut interest rates - and are expected to do so again this autumn - which may also be off-putting to some investors.

What has all this got to do with gold?

It's largely because of its perceived status as a "safe haven" investment.

Gold is seen as solid and dependable - both literally and in its value as a commodity.

It has been prized and sought after since ancient times - and its valuable status seems certain to continue long into the future.

So when things seem uncertain - and when interest rates are being seemingly cut everywhere - putting your money in gold may seem like a good bet (or so the thinking goes - of course, many would argue there is no such thing as a sure bet in the financial markets).

This "safe haven" status also helps explain why the price of gold may have been steadily rising in recent months, as fears have grown over an escalation of the wars in the Middle East and between Russia and Ukraine.

Tesco is hiking the price of its meal deal from Thursday.

Those using a Clubcard, which Tesco says is 80% of customers, will now pay £3.60.

This is up from £3.40, which had been the cheapest meal deal available at one of the traditional supermarkets.

Those without a Clubcard will now pay £4 - up 10p.

A Tesco spokesperson told the Money blog: "Clubcard members will pay just £3.60 for a main, snack and drink, meaning our meal deal remains great value and the ideal way to grab lunch on-the-go. 

"With millions of possible combinations across our stores, our recent improvements to ingredients and more than 20 new mains introduced this summer, the Tesco meal deal has got something for every taste."

The cost of the premium meal deal is unchanged at £5.

How does this compare?

Waitrose has the most expensive meal deal at £5 for the main, snack and drink combo. 

In July, Sainsbury increased the cost of its lunchtime meal deal by 25p from £3.50 to £3.75. 

A  Morrisons  meal deal costs £3.50, which is the same as  Co-op members - though non-members pay £4.

Asda  doesn't offer a fixed price for its meal deal. Instead, it operates a 3 for 2 system, which gives customers the cheapest item for free. 

If you read the Money blog on Friday you'll remember Gail's bakery chain came under fire for repurposing unsold pastries into croissants and selling them for almost £4 the next day.

We reported how the retailer lists the "twice baked" chocolate almond croissants as part of its "Waste Not" range, which means it is made using leftover croissants that are then "topped with almond frangipane and flaked almonds".

The scheme was criticised online, with many pointing out the £3.90 price tag is 95p more than the original croissant.

It's worth reiterating that the practice was not invented by Gail's - almond croissants were originally created by French boulangeries to reuse day-old croissants and stop them going stale.

We asked Gail's for comment and didn't hear back until late yesterday - this is what they said...

"We created our Waste Not range at Gail's to make good food go further. 

"Our almond croissants and chocolate and almond croissants are strong favourites in our bakeries. The croissants are soaked in demerara syrup and topped with our house-made frangipane spread, alongside crunchy almonds.

"The day-old croissants are sturdier than fresh ones, making them the perfect bake to be used. 

"We are big supporters of improving food systems, working with companies such as Too Good To Go and Neighbourly to reduce our impact on food waste and uplift communities. 

"Any bakes leftover at the end of the day are shared with charitable organisations in our neighbourhoods. Through our partnership with Neighbourly, we have donated the equivalent of 81,000 meals, reaching 239 good causes."

It comes as locals in a trendy London neighbourhood signed a petition against a Gail's bakery setting up shop in their area.

After (unconfirmed) rumours began circulating that the chain was looking to open a site in Walthamstow village, more than 600 have signed a petition opposing the plans.

The petition says the village "faces a threat to its uniqueness" should Gail's move into the area.

Read more...

Basically, Section 75 is a way to get your money back if a retailer hasn't provided the goods or services you paid for - so long as you used a credit card or point of sale loan.

The price of the purchase must be   between   £100.01 and £30,000, but you only have to spend one penny of it using a credit card for your rights to kick in.

Section 75 is enshrined in law - the Consumer Credit Act 1974 - and allows you to raise a claim with your bank for a breach of contract or misrepresentation by the retailer.

The protection was put in place to make sure customers are not forced to pay off debt for faulty goods and services - or those that never arrive - by making the lender just as liable as the retailer.

When does Section 75 apply?

• Goods or services were not as described
• They were poor quality, defective, or not fit for purpose
• An item never arrived - including if the seller went bust
• A service wasn't carried out with reasonable care

How does it work?

You should contact your bank, who will investigate how you made your purchase and who was involved.

There needs to be a clear agreement between the customer, the supplier and your bank.

"They will ask for more details – explain how your consumer rights have been breached, you have exhausted all options with the retailer and cannot resolve your dispute," consumer champion Scott Dixon, from  the Complaints Resolver , told the Money blog.

"You need to push hard on S75 claims, as claims are often rejected on the first attempt."

It is useful to have supporting information to hand, like proof of payment, contracts, terms and conditions, screenshots of product descriptions, correspondence, photo evidence or - in some cases - independent assessments.

Scott added: "If you reach a stalemate with the credit card provider or finance company, ask for a deadlock letter setting out their final position so you can submit a formal complaint (with the final response/deadlock letter) to the Financial Ombudsman Service (FOS). 

"They do not like cases being referred to the FOS as it costs them money."

When doesn't Section 75 apply?

• You paid with a debit card, charge card, cash, credit card cheque, or bank transfer;
• You paid with your PayPal balance (but you are protected if you used PayPal Credit);
• The credit was given under an overdraft or general-purpose bank loan;
• You purchased multiple items that only cost between £100.01 and £30,000 when added together;
• You bought the item from a third-party seller, like Amazon Marketplace or a travel agent;
• You used a buy now, pay later service or a hire purchase.

And read more from our Basically series here...

Rising optimism about the prospects of a ceasefire in the war in Gaza has sent the price of oil - and shares in energy giants – tumbling.

The cost of a barrel of benchmark Brent Crude has dropped to just over $76 (£58), the lowest price since the beginning of the month.

Shares in Shell and BP have also both slipped by around 2% in early trading.

Hopes of cooling tensions in the Middle East have helped ease fears of risks to supplies in the region.

Other factors said to be having an impact on oil prices include an increase in production at Libya's Sharara oilfield and concerns over China's slowing economy, including slower industrial output.

Another big faller this morning is BT Group. Its shares are down more than 5% after it was announced that Sky will launch full fibre broadband services next year on the network of BT's rival Cityfibre.

The falls have contributed to the FTSE 100 dipping by more than 0.5% on Tuesday, with the FTSE 250 also down 0.13%.

Gainers include easyJet Plc, which is up more than 1.2% amid optimism over the tourism industry this summer.

Similarly, Intercontinental Hotels Group is up by a similar level, while British Airways owner IAG is up nearly 0.8%.

Meanwhile, on the currency markets, this morning £1 buys $1.30 US or €1.17.

Pensioners are being urged to check if they are eligible for the winter fuel allowance after universal payments were scrapped by new Chancellor Rachel Reeves last month.

Previously, the money was available to everyone above state pension age, but now it will be limited to people over state pension age who are receiving pension credit or other means-tested support.

It means the number of people entitled to the money will drop from 11.4 million to just 1.5 million.

The payment is £200 for households where the recipients are all under 80, and £300 where they are over 80.

While around 1.4 million pensioners are already receiving pension credit, there are up to an estimated 880,000 households eligible for the support who are yet to claim, the Department for Work and Pensions says.

The government's awareness drive will help identify households not claiming the benefit, and encourage pensioners to apply by 21 December - the last date for making a backdated claim for pension credit in order to receive the Winter Fuel Payment.

It will focus on "myths" that may stop people applying, such as how having savings, a pension or owning a home are not necessarily barriers to receiving pension credit.

More information on applying for pension credit can be found on the  government's How to Claim page .

Yesterday we brought you the unwelcome news that winter energy bills are projected to rise by 9%, according to the latest forecast from Cornwall Insight.

Its newest prediction says the price cap from October to December will go up to £1,714 a year for the average user - a £146 hike from current levels.

We'll find out for sure on Friday.

Comparison service Uswitch says the forecast "compounds the worry" about rising bills for residents across the country "just as we reach the season to switch the heating back on".

"The price cap is expected to rise again in January, but bill payers can take action now to lock in certainty on how much they pay," says Uswitch director of regulation Richard Neudegg. 

It is worth pointing out that it's in Uswitch's favour for people to move - but there are definitely savings to be made based on current forecasts.

Here are the top 10 fixed energy-only tariffs that could help you beat the price rise as temperatures drop, according to Uswitch:

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