The Best Credit Cards in Germany

Updated 24.07.2024 13:15

Best rating

Extrakarte Mastercard

4.4 / 5

  • 0€ annual fee - forever
  • Immediate decision on your application
  • Free use in the euro area
more

Fees

Annual Fee
0€
Worldwide Withdrawal
3.00%
Worldwide Payment
2.99%

Description

There are no card fees or annual fees for the card. You receive a personal credit limit and can pay flexibly in installments each month. Enjoy an interest-free payment term for up to 7 weeks and receive 5% travel credit via Extra Reisen.

Gebührenfrei Mastercard Gold

4.3 / 5

Google Pay
Apple Pay
  • 0€ annual fee - forever
  • No Video-Ident necessary
  • Pay worldwide without fees
more

Fees

Annual Fee
0€
Worldwide Withdrawal
0.00%
Worldwide Payment
0.00%

Description

The fee-free Mastercard Gold offers you a permanent interest-free payment term of up to 7 weeks without an annual fee. It also includes comprehensive travel insurance and free customer service. You also receive a 5% travel credit with best price guarantee and 5% cashback on rental cars.

Bunq Prepaid Kreditkarte

4.2 / 5

Google Pay
Apple Pay
  • Free of charge
  • Worldwide acceptance
  • Without credit rating query
  • Immediately usable
more

Fees

Annual Fee
0€
Worldwide Withdrawal
2.99€
Worldwide Payment
2.00%

Description

There is no annual fee with the Bunq prepaid credit card. The card is accepted worldwide and can be used immediately after you have downloaded the app. You can even get this card if you have a poor credit rating, as there is no credit check.

Barclays VISA

3.9 / 5

Google Pay
Apple Pay
  • Free of charge worldwide
  • Pay more securely than ever before
  • Flexible repayment of expenses
more

Fees

Annual Fee
0€
Worldwide Withdrawal
0.00%
Worldwide Payment
0.00%

Description

With the Barclaycard Visa, using the card at home and abroad is always free of charge. You save both the frequently incurred foreign currency fees and the cash withdrawal fees. Other positive aspects of this card are the 24-hour emergency hotline, protection in the event of card misuse, up to 500 euros cash in an emergency and strong customer authentication for online payments.
Bonus 144€

Amex Gold Card

3.8 / 5

Google Pay
Apple Pay
  • Collect Membership Rewards
  • Comprehensive insurance package
  • Profit from Amex Offers
more

Fees

Annual Fee
140€
Worldwide Withdrawal
4.00%
Worldwide Payment
2.00%

Description

With the Amex Gold Card, you collect bonus points whenever and wherever you go, which you can redeem for rewards and vouchers. The card also includes a comprehensive insurance package. However, you should note that the card has a high annual fee.
Bonus 200€

Amex Platinum Card

3.7 / 5

Google Pay
Apple Pay
  • Various annual bonuses
  • Platinum Lifestyle
  • Exclusive premium services
more

Fees

Annual Fee
720€
Worldwide Withdrawal
4.00%
Worldwide Payment
2.00%

Description

With the Amex Platinum Card, you receive €200 in travel credit, €150 in restaurant credit and many other rewards every year. The card also includes top premium benefits, such as free status upgrades and comprehensive insurance. However, you should be aware that the card has a high annual fee. So decide very carefully whether this card is worthwhile for you.
Bonus 25€

Amex Blue Card

3.4 / 5

Google Pay
Apple Pay
  • Foerver €0 annual fee
  • Maximum transparency
  • Amex Offers
more

Fees

Annual Fee
0€
Worldwide Withdrawal
4.00%
Worldwide Payment
2.00%

Description

With the Amex Blue Card, you pay no annual fee in the long term. The card can also be linked to Google Pay or Apple Pay. This means you can easily make contactless payments. The card is perfect for you if you want an Amex Card but don't want to pay the high annual fee.
This comparison does not represent a complete market overview (§ 18 para. 6 ZKG). All information is without guarantee, subject to change and errors. Please also note the information under "Details".