What Are the Best Cashback Credit Cards in Germany? (2026)
The verdict for residents
Get the Amazon Visa at no annual fee. German cashback is small and conditional. The highest everyday rate in this catalogue is 1%, and the loyalty cards pay in points worth 0.33% on the PAYBACK American Express and 0.2% on the PAYBACK Visa.
What the rate is conditional on
Check where a rate applies before you switch cards: the co-brands pay their headline rate inside one retailer and much less everywhere else. And none of it survives a carried balance, because the revolving cards ranked here publish effective rates from 13.15% to 20.13% a year.
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Which credit card is the best for residents?
Sorted by annual fee, not our recommendation. The default view is our ranking, weights published below.
Sorted by effective apr, not our recommendation. The default view is our ranking, weights published below.
Sorted by cost abroad, not our recommendation. The default view is our ranking, weights published below.
★ Cashback pick
Amazon Visa
No annual fee in any year with a foreign-currency fee the issuer does not publish on a resident's everyday and holiday spending
Get the Amazon Visa- Annual feeBest
- Free
- Effective APR
- 20.13%
- Cost abroad
- Above 1%
- German 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 required
More details
- Network
Network
The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it.
- Visa
Fees as of August 2026, verify on the issuer's price list.
Key information
- Annual fee
- No annual fee
- Eligibility
- Settles from any SEPA account
- Support
- German-only support
Best for cashback maximisers who want the safest yes.
Also great
Targobank Gold-Karte
EUR 59 a year with a 3.85% foreign-currency fee on a resident's everyday and holiday spending
Get the Targobank cardCards(2)
- Targobank Online-Classic-KarteFree
Free in every year
Effective APR 15.87% Cost abroad Above 1% Network Visa German IBAN Not required - No annual fee
- 3.85% on non-euro spending
- Our pick here. Targobank Gold-KarteEUR 59.00/yr
1% cashback on all spending
Effective APR 15.87% Cost abroad Above 1% Network Visa German IBAN Not required - Annual fee EUR 59
- 3.85% on non-euro spending
Fees as of August 2026, verify on the issuer's price list.
Key information
- Effective APR
- 15.87%
More details
- Annual fee
- EUR 59.00/yr
- Cost abroad
- Above 1%
- German 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 required
- Network
Network
The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it.
- Visa
Best for cashback maximisers who need a different issuer.
Best value
PAYBACK American Express
No annual fee in any year with a 2% foreign-currency fee on a resident's everyday and holiday spending
Get the American Express cardCards(4)
- American Express Blue CardFree
Free, and builds an Amex record
Cost abroad Above 1% Network American Express German IBAN Not required - No annual fee
- 2% on non-euro spending
- Our pick here. PAYBACK American ExpressFree
0.33% in points on all spending
Cost abroad Above 1% Network American Express German IBAN Not required - No annual fee
- 2% on non-euro spending
Show 2 more products
- American Express Business Gold CardEUR 175.00/yr
50-day payment target
Cost abroad Above 1% Network American Express German IBAN Not required - Free in year one, then EUR 175
- 2% on non-euro spending
- American Express Gold CardEUR 240.00/yr
About EUR 310 in credits
Cost abroad Above 1% Network American Express German IBAN Not required - Annual fee EUR 240
- 2% on non-euro spending
Fees as of August 2026, verify on the issuer's price list.
Key information
- Effective APR
- None: charge card
More details
- Cost abroad
- Above 1%
- German 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 required
- Network
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 Express
Best for cashback maximisers who need a different issuer.
PAYBACK Visa
EUR 29 a year with 0% on foreign-currency spending on a resident's everyday and holiday spending
Get the PAYBACK Visa- Annual fee
- EUR 29.00/yr
- Effective APR
- 13.15%
- Cost abroad
- No FX fee
- German 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 required
More details
- Network
Network
The card scheme that moves the payment: Visa, Mastercard, or American Express. It decides where the card is accepted, not who issues it.
- Visa
Fees as of August 2026, verify on the issuer's price list.
Key information
- Annual fee
- Annual fee EUR 29
- Abroad
- No fee on non-euro spending
- Eligibility
- Settles from any SEPA account
Best for cashback maximisers who need a different issuer.
Also a strong fit
Compare two providers
Already down to two? Each comparison declares a winner on every criterion that decides the purchase.
Ranked by: The reward rate the record publishes, then the annual fee as the tie-break. A high rate behind a high fee never outranks a lower free rate here, and a card that publishes no comparable rate ranks last rather than being credited with a guess.
What is ruled out, and why
A blocker is not a drawback. It is something that makes the card unobtainable for this reader, however good its terms are otherwise.
Blocked for this reader
What do you need to get a cashback card?
The same as any German credit card: an Anmeldung, a Steuer-Identifikationsnummer, a SCHUFA decision, and on most of these cards proof of German income as well. Two of them are sold through a retail brand rather than a bank counter, which is why the application runs on amazon.de or payback.de rather than in a branch.
Read what you get back before you read the rate. PAYBACK pays in points worth one cent each, the Amazon Visa pays into your Amazon balance, and only the Targobank card pays a credit on every euro that you can spend anywhere. A percentage that only exists inside one shop is not the same product as a percentage you can bank.
Every card we compared
View all 48 cardsThe full market overview: every card from every issuer with its annual fee, APR and cost abroad, filterable and re-rankable.How we compared these
Five criteria, weighted for this reader and published above, fixed before the fees were collected. Every fee comes from the issuer's own price list, dated in the catalogue. Of the 48 cards, 5 are obtainable by residents.
Sources: the issuers' own German price lists, accessed 18 August 2026. Some links earn a commission at the same rate for every issuer, so no weighting favours a payer.
Frequently asked questions
Which German credit card pays the most cashback?
On everyday spending, the Targobank Gold-Karte at 1% of every euro, though it charges EUR 59 a year, so the first EUR 5,900 you spend only pays for the card. The Amazon Visa pays 1% at Amazon.de and 0.5% everywhere else with no annual fee, which makes it the better deal for most people unless your card spending is very large.
Which is better, cashback or air miles?
If you fly rarely, cashback: it is spendable, needs no programme and never has to be redeemed against a seat. Miles only win for someone who flies often enough to redeem on flights they would have bought anyway. The travel cards page ranks the miles cards separately.
Do cashback cards charge higher interest?
The rate is set by the card, not by the reward. Among the cards ranked here, published effective rates run from 13.15% to 20.13% a year, and the two American Express cards are charge cards settled in full each month, so they publish no revolving rate at all.
Why do so few German cards pay cashback?
Because most of what German issuers call cashback is a rebate inside their own travel portal, paid on holidays booked through them rather than on the groceries you buy every week. Those cards are ruled out on this page for exactly that reason, and the ruled-out table says which ones they are.
Community Q&A