# What Are the Best Credit Cards in Germany? (2026) > The best credit cards in Germany for new arrivals and residents: free cards, cards with no fee on non-euro spending, and cards that settle from any SEPA account, compared on the effective annual rate. By Jules de Bruin · URL: https://www.guide-germany.com/finance/credit-cards Every card in this ranking costs EUR 0 in year one and every year after, and none of them needs a [German IBAN](/finance/open-bank-account). Hanseatic Bank GenialCard is the cheapest to carry a balance on, at 16,05% effective. Advanzia Gebührenfrei Mastercard Gold, TF Bank Mastercard Gold and Bank Norwegian Visa cost the same and add English-language support and travel insurance. Read the word [Kreditkarte](/finance/debit-vs-credit-cards) carefully: of the 61 German cards in this catalogue only 48 grant a credit line, and the rest are Debitkarten. ## How Do German Credit Cards Compare? Germany is a debit-card market, and the catalogue shows it: of 61 card records only 48 grant a credit line. The genuine credit cards fall into three groups. Standalone issuers, meaning Hanseatic Bank, Advanzia, TF Bank, Bank Norwegian and easybank, sell free Visa and Mastercard products that settle from any SEPA account and need no account with the issuer. Banks such as Commerzbank, HypoVereinsbank, Postbank and the Sparkassen sell cards that require their own current account and charge roughly EUR 30 to EUR 155 a year. American Express issues directly and through co-brands such as PAYBACK on charge terms, where the balance is settled in full every month and there is no revolving rate at all. [View all 61 cardsThe card picker lists every record with its annual fee, foreign transaction margin, cash withdrawal cost and effective annual rate, filterable and re-rankable.→](/finance/credit-cards-price-research) ## What Are the Best Credit Cards? Ranked on what the card costs to hold, what it costs to spend and withdraw outside the euro, whether it can be opened without a German IBAN, and the effective annual rate each issuer publishes in its own price list, read in August 2026. Only genuine credit products are listed, so the Debitkarten that German banks and fintechs sell under a Kreditkarte badge are excluded. That is why the list is 7 cards long rather than a round ten. Hanseatic Bank ### Hanseatic Bank GenialCard 4.3permanently free [Apply](https://www.hanseaticbank.de/genialcard)Annual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR16,05% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwide incl. non-EURMore detailsEnglish supportNoMinimum age18 yearsCash withdrawals0 abroad; domestic (Germany) ATM withdrawals carry a fee (~3.95 EUR per Trustpilot complaint Jan-2026; confirm in Preisverzeichnis)Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitstart typically 1,000-2,000 (Trustpilot users report 2,000-3,000 start limits, increases possible after ~90 days)Billingmonthly statement; flexible part-payment (Ratenhöhe self-set in app); interest only on carried balance; pay in full by due date to pay 0 interestCard in~5-10 (card by post after approval; Trustpilot Jan-2026 case: approval 29-Nov, card ~5 days after 01-Dec opening)Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingSupportGerman-only supportBest for A free card with the lowest effective rate of the fee-free group Advanzia Bank ### Advanzia Gebührenfrei Mastercard Gold 4.0free forever [Apply](https://www.gebuhrenfrei.com)Pay withAnnual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR20,9% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. MastercardGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwideMore detailsEnglish supportYesMinimum age18 yearsCash withdrawalsEUR 0Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFA (via German application)Credit limitnotoriously low at start (often 200-500 EUR), grows with repayment historyBillingmonthly statement; NO automatic full direct debit by default - you must actively transfer the full amount each month; only minimum payment is debited if you set up Lastschrift (revolving trap)Card in~7-14Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingCashFree cash withdrawalsBest for Spending abroad, in English, on a card that costs nothing TF Bank ### TF Bank Mastercard Gold 4.1free forever incl. travel insurance [Apply](https://tfbank.de)Pay withAnnual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR22,9% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. MastercardGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwideMore detailsEnglish supportYesMinimum age18 yearsCash withdrawalsEUR 0Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitindividual; Trustpilot complaints about limits too low for rental-car depositsBillingmonthly statement; partial repayment default; no Lastschrift full-settlement automation (Trustpilot criticism: no direct-debit collection)Card in~7-14Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingCashFree cash withdrawalsBest for Travel insurance on a card with no annual fee Bank Norwegian ### Bank Norwegian Visa 4.0free forever [Apply](https://www.banknorwegian.de)Pay withAnnual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR24,4% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwideMore detailsEnglish supportYesMinimum age20 yearsCash withdrawalsEUR 0Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitup to 10,000 (issuer marketing); start individualBillingmonthly statement; partial repayment pre-set (24.4% eff. APR criticised as cost trap in capitalo review); up to 45 interest-free days if paid in fullCard indigital card usable in Apple Pay within days; plastic ~1-2 weeksPrices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingCashFree cash withdrawalsBest for Paying in full each month, with up to 45 interest-free days easybank (ex-Barclays Germany) ### easybank Visa (formerly Barclays Visa) 3.60 EUR card fee [Apply](https://www.finanztip.de/kreditkarten/)Pay withAnnual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR21,21% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwideMore detailsEnglish supportNoMinimum age18 yearsCash withdrawalsEUR 0Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitindividual (typically starts 1,000-3,500)Billingmonthly statement; 100% direct-debit settlement costs 2 EUR/month - i.e. the card is only truly free if you accept minimum-payment default (partial repayment)Card in~7-14Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingSupportGerman-only supportBest for A plain free Visa with free cash withdrawals American Express (co-brand PAYBACK) ### PAYBACK American Express 3.7free forever [Apply](https://meilenoptimieren.com/payback-visa-flex-kreditkarte/)Annual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Charge card, settled in full monthlyEffective APRn/aNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. American ExpressGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending2% non-EURMore detailsEnglish supportYesMinimum age18 yearsCash withdrawals4% min 5 EURCredit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitdynamic (charge)Billingcharge cardCard in~5-10Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroad**2%** on non-euro spendingEligibilitySettles from any SEPA accountBest for Collecting PAYBACK points without taking a credit line Hanseatic Bank (brand awa7) ### awa7 Visa 3.9free forever [Apply](https://boarding-away.de/finanzen/awa7-kreditkarte/)Pay withAnnual feeEUR 0Card type?Card type Credit cards borrow and repay monthly, charge cards clear in full every month, debit cards take the money instantly, prepaid cards spend only what you load. Revolving creditEffective APR21,96% APRNetwork?Network The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it. VisaGerman IBAN?German IBAN Whether the product needs a bank account with a German (DE) IBAN. Foreign-IBAN accounts are legal to use, but some German employers and billers still refuse them. Not requiredNon-euro spending0% worldwideMore detailsEnglish supportNoMinimum age18 yearsCash withdrawalsEUR 0Credit check?Credit check Whether the issuer queries SCHUFA, the German private credit bureau, before approving you. A check can fail on a thin SCHUFA file, however solid your finances are, which is the usual reason a new arrival is refused. SCHUFACredit limitindividualBillingmonthly statement; TeilzahlungCard in~7-14Prices as of August 2026, verify on the provider site. Key information Annual feeNo annual feeAbroadNo fee on non-euro spendingSupportGerman-only supportBest for Travel cashback on a free Hanseatic Bank card [See every German credit card→](/finance/credit-cards-price-research) ## How Do Credit Cards Work in Germany? You get a monthly statement and pay no interest at all if you clear it in full by the due date; Bank Norwegian publishes up to 45 interest-free days on that basis. The trap in this market is the repayment default. Advanzia collects only the minimum payment unless you transfer the full amount yourself, TF Bank runs partial repayment with no direct-debit settlement, and easybank charges EUR 2 a month for 100% direct-debit settlement, so its card is only truly free if you accept the partial-repayment default. Germany sets no statutory cap on card interest, so the [effective annual rate](/finance/credit-card-interest-rates) is the figure to compare: across this ranking it runs from 16,05% to 24,4%. ## How We Compared These Cards We rank on the fields in this site's catalogue: the fee in year one and in every year after, the effective annual rate as the issuer publishes it, the [charge on non-euro spending](/finance/cards-abroad), the cost of a cash withdrawal, whether a German IBAN is required, whether the issuer answers in English, and what the card does by default when the statement falls due. Fees come from each issuer's own German price list, not from a regulator: neither BaFin nor the Deutsche Bundesbank publishes card pricing. Cards whose rate is not published sort last, never first, and Debitkarten are excluded from the ranking entirely. We update the catalogue whenever an issuer changes its terms. ## Related Guides [### Credit Card Fees Annual fees, cash, non-euro spending.](/finance/credit-card-fees)[### Credit Card Interest Rates How the effektiver Jahreszins works.](/finance/credit-card-interest-rates)[### Credit Card Requirements SCHUFA, documents and approval.](/finance/credit-card-requirements)[### Debit vs Credit Cards girocard, Debitkarte and Kreditkarte.](/finance/debit-vs-credit-cards) ## Frequently Asked Questions ### What is the best free credit card in Germany? Hanseatic Bank GenialCard. It costs EUR 0 in year one and every year after, charges nothing on non-euro spending, and at 16,05% effective it carries the lowest rate of the fee-free group. Advanzia Gebührenfrei Mastercard Gold and TF Bank Mastercard Gold cost the same and add English-language support and a travel insurance package. ### Do I need a German bank account to get a credit card? Not for the cards in this ranking. All seven settle by direct debit from any SEPA account, so a Lithuanian or Belgian IBAN works. Bank cards are the opposite: Commerzbank, HypoVereinsbank, Postbank, 1822direkt and the Sparkassen all require their own current account first. ### What is SCHUFA and why was my application refused? SCHUFA is Germany's credit bureau, and every credit card in this ranking runs a SCHUFA query. A file with no German history is thin rather than bad, and issuers usually answer it with a small limit rather than a refusal: Advanzia commonly starts holders at EUR 200 to EUR 500 and raises the limit as you repay, and Hanseatic Bank typically starts the GenialCard at EUR 1,000 to EUR 2,000. ### Is a German Kreditkarte always a credit card? No. Of the 61 German card records in this catalogue, 48 grant a credit line, 12 are Debitkarten and one is prepaid. The cards from N26, Revolut, Wise, bunq, C24, Trade Republic, ING and Consorsbank are all Debitkarten: the money leaves the account the same day, no credit line is granted, and no SCHUFA credit relationship is built. --- Source: https://www.guide-germany.com/finance/credit-cards Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.