Credit card provider in Germany
As an international or expat you have several options to find the best credit card provider. There are several free options for credit cards but also credit cards with yearly fees and additional benefits. Compare different options in our free credit card comparison below.
Pro Tip: Vivid is free and gives 25€ signup bonus PLUS 10% cashsback at a lot of places (Lidl, Ikea, Amazon etc)
If you are coming to Germany as a student or an Expat, it is essential to have a credit card to pay for hotels, online bookings like flights, or delivery. The usual debit card from your local bank cannot be used for all online transactions, as it is not a VISA card (mostly it is MAESTRO). Compare different options below in English and choose the best suited provider!
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Cost
Transactions – EU
Transactions – Worldwide
Provider
Features
Gebührenfrei
none
0%
1.75%
VISA
Up to 7 weeks interest-free payment term
Free 24 hour customer service
5% travel credit with best price guarantee
5% refund for car rental
santander 1 plus
none
0%
0%
VISA
Worldwide 1 % tank discount
5 % refund on your travel bookings
Flexible repayment in monthly instalments
deutschland credit card gold
none
0%
1.75%
VISA
Withdraw money worldwide without charge (possibly fees of the ATM operator)
Including foreign travel health insurance Incl. cancellation and cancellation insurance
Incl. flight and luggage delay insurance
DEUTSCHLAND CREDIT CARD classic
0 EUR annual fee – 1ST Year
(0-45 eur)
0%
1.75%
VISA
5% travel discount on holiday plus
Up to 15% online shopping cashback
No account change necessary
Cost
Transactions – EU
Transactions – Worldwide
Provider
Features
hilton honors
48€
0%
1.95%
VISA
Free withdrawals worldwide with the DKB-Cash (In connection with a free clearing account at the DKB, you will be able to withdraw cash free of charge to more than 1,000,000 machines worldwide)
2 Honors Bonus Points per 1 Euro Revenue at the Hilton Hotel
1 honors bonus per 1 Euro in sales 10% off food and beverages at the Hilton Hotel
Flexible partial payment Optional “all-inclusive insurance package” (travel health insurance, travel cancellation insurance, rental car comprehensive insurance, travel assistance service) for 25 euros p.a.
bmw
0 EUR annual fee – permanent
99€ for Premium card
0%
1.75%
MASTERCARD
Worldwide 1 % tank discount
5 % refund on your travel bookings
Flexible repayment in monthly instalments
hanseatic
geniAL
0 EUR annual fee – permanent
0%
2%
VISA
Interest-free installment in the first 3 months
100% direct debit possible
No minimum sales, no account change and TÜV-certified service quality!
HANSEATIC
GOLD
0 EUR annual fee in the 1st year 0
EUR annual fee in the 2nd year from 3,000 EUR turnover per year – otherwise 35 EUR
0%
1.75%
VISA
Top travel protection: Travel, foreign health and smartphone insurance
100% direct debit possible