# Which of Germany's 48 Credit Cards Is Right for You? (2026)

> The complete fee and rate table for every real credit card in the German catalogue. Filter by annual fee, cost abroad, rewards and eligibility, and rank by the effective annual rate.

By Jules de Bruin · URL: https://www.guide-germany.com/finance/credit-cards-price-research

**The short answer** Of the 48 real credit cards sold in Germany, **15** are free in year one and every year after, **35** can be opened without a German IBAN, and **19** are recorded as answering in English. This table lists credit products only: the 13 Debitkarten and prepaid cards that German banks and fintechs sell under a Kreditkarte badge are filtered out. [Annual fees](/finance/credit-card-fees), the [effective annual rate](/finance/credit-card-interest-rates) and the [cost of spending abroad](/finance/cards-abroad) vary more than on any other product on this site, so filter to your situation first, then rank by what you actually pay.

## All cards

grouped by providerRank byAnnual feeEffective APRCost abroadHA

### Hanseatic Bank

No German IBAN needed

Price band

EUR 0 to 58.80 a year

[Get a Hanseatic Bank card](https://www.hanseaticbank.de/genialcard)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Hanseatic Bank GenialCardBest hererevolving credit | Free | 16.05% effective | No FX fee | Visa |
| Hanseatic Bank GoldCardrevolving credit | EUR 58.80/yr | 16.05% effective | No FX fee | Visa |
| awa7 Visarevolving credit | Free | 21.96% effective | No FX fee | Visa |
| Deutschland-Kreditkarte Classicrevolving credit | Free | 21.04% effective | No FX fee | Visa |
AD

### Advanzia Bank

No German IBAN needed

Price band

Free

[Get a Advanzia Bank card](https://www.gebuhrenfrei.com)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Advanzia Gebührenfrei Mastercard GoldBest hererevolving credit | Free | 20.9% effective | No FX fee | Mastercard |
TF

### TF Bank

No German IBAN needed

Price band

Free

[Get a TF Bank card](https://tfbank.de/kreditkarte)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| TF Bank Mastercard GoldBest hererevolving credit | Free | 22.9% effective | No FX fee | Mastercard |
EA

### easybank

No German IBAN needed

Price band

EUR 0 to 99 a year

[Get a easybank card](https://www.easybank.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| easybank Visa (formerly Barclays Visa)Best hererevolving credit | Free | 21.21% effective | No FX fee | Visa |
| easybank Platinum Double (ex-Barclays Platinum Double)revolving credit | EUR 99.00/yr | n/a | No FX fee | Visa + Mastercard (double pack) |
| Eurowings Kreditkarte Classicrevolving credit | EUR 29.00/yr | n/a | Above 1% | Visa |
| Eurowings Kreditkarte Premiumrevolving credit | EUR 99.00/yr | n/a | No FX fee | Visa |
BA

### Bank Norwegian

No German IBAN needed

Price band

Free

[Get a Bank Norwegian card](https://www.banknorwegian.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Bank Norwegian VisaBest hererevolving credit | Free | 24.4% effective | No FX fee | Visa |
AM

### American Express

No German IBAN needed

Price band

EUR 0 to 850 a year

[Get a American Express card](https://www.americanexpress.com/de-de/amexcited/cards/platinum-card)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| American Express Platinum Cardcharge card | EUR 720.00/yr | n/a | Above 1% | American Express |
| American Express Gold Cardcharge card | EUR 240.00/yr | n/a | Above 1% | American Express |
| American Express Blue CardBest herecharge card | Free | n/a | Above 1% | American Express |
| PAYBACK American Expresscharge card | Free | n/a | Above 1% | American Express |
| American Express Business Gold Cardbusiness credit | EUR 175.00/yr | n/a | Above 1% | American Express |
| American Express Business Platinum Cardbusiness credit | EUR 850.00/yr | n/a | Above 1% | American Express |
DE

### Deutsche Bank for Miles & More

No German IBAN needed

Price band

EUR 0 to 138 a year

[Get a Deutsche Bank for Miles & More card](https://www.miles-and-more.com/de/de/credit-card.html)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Miles & More Credit Card MyflexBest hererevolving credit | Free | 15.65% effective | Above 1% | Mastercard |
| Miles & More Credit Card Bluedelayed debit | EUR 66.00/yr | 9.8% effective | Above 1% | Mastercard |
| Miles & More Credit Card Gold (incl. Frequent Traveller / Senator variants)delayed debit | EUR 138.00/yr | 9.8% effective | Above 1% | Mastercard |
OP

### Open Bank

No German IBAN needed

Price band

Free

[Get a Open Bank card](https://www.amazon.de/amazonvisa)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Amazon VisaBest hererevolving credit | Free | 20.13% effective | Above 1% | Visa |
CO

### Commerzbank

Needs a German IBAN

Price band

EUR 0 to 154.80 a year

[Get a Commerzbank card](https://www.commerzbank.de/kreditkarten)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Commerzbank ClassicKreditkartecharge card | EUR 39.90/yr | 12.2% effective | Above 1% | Visa or Mastercard |
| Commerzbank GoldKreditkartecharge card | EUR 99.90/yr | 10.2% effective | Above 1% | Visa or Mastercard |
| Commerzbank PremiumKreditkarte (Visa + Mastercard duo)charge card | EUR 154.80/yr | 10.2% effective | Above 1% | Visa + Mastercard (duo) |
| Commerzbank Young Visa (StartKonto)Best herecharge card | Free | 12.2% effective | Above 1% | Visa |
TA

### Targobank

No German IBAN needed

Price band

EUR 0 to 59 a year

[Get a Targobank card](https://www.targobank.de/de/kreditkarten.html)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Targobank Online-Classic-KarteBest hererevolving credit | Free | 15.87% effective | Above 1% | Visa |
| Targobank Gold-Karterevolving credit | EUR 59.00/yr | 15.87% effective | Above 1% | Visa |
PL

### Pliant

No German IBAN needed

Price band

Free

[Get a Pliant card](https://www.getpliant.com/de/)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Pliant Visa (Business)Best herebusiness credit | Free | n/a | Above 1% | Visa |
CO

### Consors Finanz

No German IBAN needed

Price band

Free

[Get a Consors Finanz card](https://www.consorsfinanz.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Consors Finanz MastercardBest hererevolving credit | Free | n/a | No FX fee | Mastercard |
BW

### BW-Bank for PAYBACK

No German IBAN needed

Price band

EUR 29 a year

[Get a BW-Bank for PAYBACK card](https://www.payback.de/info/visa)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| PAYBACK VisaBest hererevolving credit | EUR 29.00/yr | 13.15% effective | No FX fee | Visa |
18

### 1822direkt

Needs a German IBAN

Price band

EUR 29.90 to 72 a year

[Get a 1822direkt card](https://www.1822direkt.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| 1822direkt Visa ClassicBest herecharge card | EUR 29.90/yr | n/a | Above 1% | Visa |
| 1822direkt Visa Goldcharge card | EUR 72.00/yr | n/a | Above 1% | Visa |
HY

### HypoVereinsbank

Needs a German IBAN

Price band

EUR 30 a year

[Get a HypoVereinsbank card](https://www.hypovereinsbank.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| HypoVereinsbank Visa Card (Classic)Best herecharge card | EUR 30.00/yr | 10.63% effective | Above 1% | Visa |
DE

### Deutsche Bank

No German IBAN needed

Price band

EUR 39 to 200 a year

[Get a Deutsche Bank card](https://www.deutsche-bank.de/pk/karten/kreditkarten.html)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Deutsche Bank Mastercard StandardBest heredelayed debit | EUR 39.00/yr | n/a | Above 1% | Mastercard |
| Deutsche Bank Mastercard Golddelayed debit | EUR 82.00/yr | n/a | Above 1% | Mastercard |
| Deutsche Bank Mastercard Traveldelayed debit | EUR 94.00/yr | n/a | 1% or less | Mastercard |
| Deutsche Bank Mastercard Platindelayed debit | EUR 200.00/yr | n/a | Above 1% | Mastercard |
SA

### Santander

No German IBAN needed

Price band

EUR 70.80 a year

[Get a Santander card](https://www.santander.de/kreditkarte)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Santander BestCard Smartrevolving credit | n/a | n/a | No FX fee | Visa |
| Santander BestCard PremiumBest hererevolving credit | EUR 70.80/yr | 16.43% effective | No FX fee | Visa |
DK

### DKB

No German IBAN needed

Price band

EUR 72 a year

[Get a DKB card](https://www.urlaubstracker.de/kreditkarte/reisekreditkarten/)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Hilton Honors KreditkarteBest hererevolving credit | EUR 72.00/yr | n/a | No FX fee | Visa |
PO

### Postbank

Needs a German IBAN

Price band

EUR 99 a year

[Get a Postbank card](https://www.postbank.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Postbank Visa Card / Mastercard (standard tier)delayed debit | n/a | 11.39% effective | Above 1% | Visa/Mastercard |
| Postbank Visa/Mastercard PlatinumBest heredelayed debit | EUR 99.00/yr | 11.39% effective | Above 1% | Visa/Mastercard |
CO

### comdirect

Needs a German IBAN

[Get a comdirect card](https://www.comdirect.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| comdirect Visa-Kartecharge card | n/a | n/a | Above 1% | Visa |
SP

### Sparkasse

Needs a German IBAN

[Get a Sparkasse card](https://www.sparkasse.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Sparkassen-Kreditkarte (Basis/Standard/Gold/Platinum - representative)delayed debit | n/a | n/a | Above 1% | Mastercard/Visa |
VO

### Volksbank Raiffeisenbank

Needs a German IBAN

[Get a Volksbank Raiffeisenbank card](https://www.vr.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| VR Kreditkarte (Volksbanken Raiffeisenbanken - representative)delayed debit | n/a | n/a | Above 1% | Mastercard/Visa |
NO

### norisbank

Needs a German IBAN

[Get a norisbank card](https://www.norisbank.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| norisbank Kreditkarte (legacy)charge card | n/a | n/a | Above 1% | Visa/Mastercard |
CO

### Commerzbank for ADAC

No German IBAN needed

[Get a Commerzbank for ADAC card](https://www.adac.de)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| ADAC Kreditkarte (Classic/Gold)charge card | n/a | n/a | Above 1% | Visa/Mastercard |
MO

### Moss

No German IBAN needed

[Get a Moss card](https://www.getmoss.com/de-de/)
| Plan | Annual fee | Effective APR | Cost abroad | Network |
| --- | --- | --- | --- | --- |
| Moss Corporate Cardsbusiness credit | n/a | n/a | Above 1% | Mastercard |
Fees and effective annual rates as of August 2026, read off each issuer's own German price list: neither BaFin nor the Deutsche Bundesbank publishes card pricing. Verify before applying. Cards with an unpublished rate sort last, never first.

## Related Guides

[### Credit Cards The seven cards worth applying for.](/finance/credit-cards)[### Credit Card Fees Annual fee, cash, non-euro spending.](/finance/credit-card-fees)[### Interest Rates How the effektiver Jahreszins works.](/finance/credit-card-interest-rates)[### Debit vs Credit Cards Why the debit records are filtered out.](/finance/debit-vs-credit-cards)

## Frequently Asked Questions

### How often are prices updated?

We verify prices quarterly. Each product carries its own source URL and access date in the catalogue, and this research was read in August 2026.

### What does n/a mean?

n/a means the value was not published on the issuer's own price list at the time of research. We do not guess, and we do not round.

### Why are there no Debitkarten in this table?

Because this is a credit-card table. Of the 61 German card records in the catalogue, 48 grant a credit line, 12 are Debitkarten and one is prepaid. The debit products from N26, Revolut, Wise, bunq, C24, Trade Republic, ING and Consorsbank are covered on the debit vs credit page and the fintech apps page instead.

### Does the no-SCHUFA filter do anything here?

No, and that is the honest answer: every credit card in this table runs a SCHUFA query when you apply, so the filter reads zero. The records with no credit check are all debit or prepaid products, which this table excludes.

### Does the table include business cards?

Yes, the catalogue includes a small number of business and co-brand cards.

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Source: https://www.guide-germany.com/finance/credit-cards-price-research
Last updated: n/a
Format: LLM-readable Markdown twin (.md) of the canonical HTML page.