Check out free credit card providers in Germany


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

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