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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. 

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!


Compare and book credit cards for free

Cost

Transactions: EU

Transactions: Worldwide

Provider

Features

Hilton Honors

 

Hilton Honors Credit Card 150x95

 

48 Eur

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.

Deutschland Credit Card Gold

0 EUR annual fee – 1st year 

0%

2%

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

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

Hanseatic Genial

0 EUR annual fee – permanent

0%

1.75%

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 – 1st year
0 EUR annual fee – 2nd year from 3,000 EUR turnover per year – otherwise 35 EUR

0%

2%

VISA

Top travel protection: Travel, foreign health and smartphone insurance


100% direct debit possible

Santander 1Plus

0 EUR annual fee – permanent

0%

0%

VISA

Cost

Transactions: EU

Transactions: Worldwide

Provider

Features

BMW Premium

BMW Kreditkarte Premium Limited Edition

99 Eur

0%

1.75%

MasterCard

Tyre service credit of up to 35.00 EUR.

Flexibly configurable credit cards in individual design variants

Includes car protection letter for all vehicles in the household

Free DriveNow registration and key function for opening DriveNow vehicles

Individually expandable with bookable packages

BMW Classic

BMW Kreditkarte Classic Blau

39 Eur

0%

1.75%

MasterCard

BMW Driving Experience, BMW ConnectedDrive and DriveNow.

DKB

DKB-VISA-Kreditkarte

0

0%

1.75%

VISA

BMW Premium

BMW Kreditkarte Premium Limited Edition

Cost 

99 Eur

Transactions: EU

0%

Transactions: Worldwide

1.75%

Provider 

MasterCard

Features

Tyre service credit of up to 35.00 EUR.

Flexibly configurable credit cards in individual design variants

Includes car protection letter for all vehicles in the household

Free DriveNow registration and key function for opening DriveNow vehicles

Individually expandable with bookable packages

BMW Classic

BMW Kreditkarte Classic Blau

Cost 

39 Eur

Transactions: EU

0%

Transactions: Worldwide

1.75%

Provider 

MasterCard

Features

BMW Driving Experience, BMW ConnectedDrive and DriveNow.

DKB

DKB-VISA-Kreditkarte

Cost 

0

Transactions: EU

0%

Transactions: Worldwide

1.75%

Provider 

VISA

Hanseatic Genial

Cost 

0 EUR annual fee – permanent

Transactions: EU

0%

Transactions: Worldwide

1.75%

Provider 

VISA

Features

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

Cost 

0 EUR annual fee – 1st year
0 EUR annual fee – 2nd year from 3,000 EUR turnover per year – otherwise 35 EUR

Transactions: EU

0%

Transactions: Worldwide

2%

Provider

VISA

Features

Top travel protection: Travel, foreign health and smartphone insurance

100% direct debit possible

Santander 1Plus

Cost 

0 EUR annual fee – permanent

Transactions: EU

0%

Transactions: Worldwide

0%

Provider 

VISA

Hilton Honors

 

Hilton Honors Credit Card 150x95

 

Cost

48 Eur

Transactions: EU

0%

Transactions: Worldwide

1.95%

Provider 

VISA

Features 

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.

Deutschland Credit Card Gold

Cost

0 EUR annual fee – 1st year 

Transactions: EU

0%

Transactions: Worldwide

2%

Provider 

VISA

Features 

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

Cost

0 EUR annual fee

Transactions: EU

0%

Transactions: Worldwide

1.75%

Provider 

VISA

Features 

5% travel discount on holiday plus

Up to 15% online shopping cashback
No account change necessary