The best credit cards of 2026 compared

Compare fees, bonuses and conditions of current credit cards — transparent, independent and free. Find the card that truly fits you in under 2 minutes.

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Credit cards compared

Bank Norwegian Visa

The all-round fee-free travel credit card with no extra checking account.

  • Permanently €0 annual fee
  • Free cash withdrawals worldwide
  • No foreign currency fee
  • Real credit card – accepted for deposits
Annual fee
0 €
Bonus
+15 €
Rating
9.4 / 10
Best for
Travel & everyday
View details

Consors Credit Card Gold Light

Free credit card with the Consorsbank account and fee-free withdrawals worldwide.

  • €0 annual fee
  • Free cash withdrawals worldwide
  • No foreign currency fee
  • Real credit card – accepted for deposits
Annual fee
0 €
Bonus
Rating
9.4 / 10
Best for
Consorsbank customers
View details

Easybank Kreditkarte

Flexible credit card with no account requirement — successor to the Barclays Visa.

  • €0 annual fee
  • No foreign currency fee
  • No extra checking account required
  • Successor of the Barclays Visa
Annual fee
0 €
Bonus
Rating
8.8 / 10
Best for
Flexible repayment
View details

Trade Republic Karte

Debit card for the Trade Republic account with 1% Saveback into your savings plan.

  • No annual fee
  • 1% Saveback into your savings plan
  • Free withdrawals from €100
  • Trade Republic account required
Annual fee
0 €
Bonus
Rating
8.6 / 10
Best for
Savings-plan users
View details

easybank Platinum

Premium credit card with an insurance package for frequent travelers.

  • Comprehensive insurance package
  • No foreign currency fee on payments
  • Premium conditions
  • Real credit card
Annual fee
99 €
Bonus
Rating
8.6 / 10
Best for
Premium & insurance
View details

awa7 Visa

Sustainable free credit card — a tree is planted for every payment.

  • €0 annual fee
  • No foreign currency fee on payments
  • A tree planted per transaction
  • No extra checking account required
Annual fee
0 €
Bonus
Rating
8.4 / 10
Best for
Sustainability
View details

BBVA Kreditkarte Classic

Fee-free credit card with free worldwide withdrawals and a German IBAN.

  • €0 annual fee
  • Free cash withdrawals worldwide
  • No foreign currency fee
  • German IBAN
Annual fee
0 €
Bonus
Rating
8.4 / 10
Best for
Fee-free worldwide
View details

C24 Smart Debitkarte

Free debit card with the C24 Smart account and fee-free payments worldwide.

  • Free checking account included
  • Fee-free payments worldwide
  • Up to 0.5% PocketScore interest
  • German IBAN
Annual fee
0 €
Bonus
Rating
8.4 / 10
Best for
Free checking account
View details

Knowledge about credit cards

Frequently asked questions

Which credit card is the best?

The best credit card depends on your needs. Permanently free cards suit everyday use, cards without foreign currency fees suit travel.

Can I get a credit card without SCHUFA?

Yes. Prepaid credit cards and many debit cards work without a SCHUFA check.

How much does a credit card cost?

Many credit cards are permanently free. Others cost between €30 and over €600 in annual fees.

How long does the credit card application take?

The online application takes just a few minutes. With VideoIdent you often receive approval immediately.

Is the comparison really free?

Yes, our credit card comparison is 100% free and non-binding for you.