Looking for the best credit card in Germany? Whether you're a frequent traveler, an online shopper, or just someone who wants to save on fees, there's a card for you. We've put together a list of the top 10 credit cards in Germany, highlighting their perks, drawbacks, and who they're best suited for.
TF Bank Mastercard Gold
The TF Bank Mastercard Gold is a solid option for those who want a hassle-free card with no annual fees. It comes with free cash withdrawals and no foreign currency fees, making it ideal for travelers. Plus, it includes travel insurance—an added bonus for those on the go.
Advanzia Gebührenfrei Mastercard
This card lives up to its name—“Gebührenfrei” means “fee-free” in German. It doesn’t charge for worldwide transactions, but watch out for hidden interest on cash withdrawals. If you always pay your balance on time, it can be a great deal.
Hanseatic Bank Genialcard
A favorite among digital nomads and frequent travelers, the Hanseatic Bank Genialcard doesn’t charge annual fees or foreign currency fees. It also offers flexible payment options, letting you decide how much to pay each month.
Barclaycard Visa
If you're looking for an all-around great card, the Barclaycard Visa is a strong contender. It offers free cash withdrawals worldwide, no annual fees, and attractive new customer bonuses.
PAYBACK American Express Card
If you love collecting loyalty points, this is the card for you. PAYBACK is Germany’s biggest rewards program, and this card lets you earn extra points on everyday purchases. However, cash withdrawals and foreign transactions come with fees.
DKB Visa Card
The DKB Visa Card is a must-have for active users. If you use your DKB account as your main bank account, you get extra perks like free international withdrawals and cashback rewards.
ING Visa Card
ING’s Visa card is great for everyday spending. It has no annual fee, and you can withdraw cash for free within the Eurozone. A great option if you're looking for a reliable, no-frills card.
N26 Mastercard
For those who prefer digital banking, the N26 Mastercard is a standout. With instant notifications, spending insights, and travel-friendly features, it’s a great choice for modern banking.
Revolut Credit Card
Perfect for international travelers, the Revolut card offers real exchange rates, multi-currency accounts, and smart budgeting tools. Just keep in mind that some premium features require a paid subscription.
Comdirect Visa Card
With no annual fees and worldwide acceptance, the Comdirect Visa Card is another strong option. It also comes with added perks like free ATM withdrawals and integration with your Comdirect banking account.
Choosing the right credit card depends on your lifestyle and spending habits. Whether you're looking for travel perks, cashback rewards, or just a simple everyday card, there's a perfect fit for you in Germany.