All credit cards at a glance

Every credit card we compare in one place – sorted by our overall score. Pick a card for all details, fees and the review.

49 credit cards compared

Personal cards

  1. Trade Republic Card – Debit card for the Trade Republic account with 1% Saveback into your savings plan. Score: 9.5/10 (Excellent) · Top rated · Annual fee: 0 € · Bonus: — · Rating: 8.6/10
  2. Consors Credit Card Gold Light – Free credit card with the Consorsbank account and fee-free withdrawals worldwide. Score: 9.2/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 9.4/10
  3. C24 Smart Debit Card – Free debit card with the C24 Smart account and fee-free payments worldwide. Score: 9.2/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.4/10
  4. DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers. Score: 9.1/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  5. Consors Visa Debit – Free debit card with the Consorsbank account and a German IBAN. Score: 9.1/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  6. Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping. Score: 9.0/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.0/10
  7. BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.4/10
  8. Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.7/10
  9. Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  10. Wise Debit Card – Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments. Score: 8.8/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 9.0/10
  11. Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa. Score: 8.8/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.8/10
  12. Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account. Score: 8.6/10 (Very good) · Annual fee: 0 € · Bonus: +15 € · Rating: 9.4/10
  13. TF Bank Mastercard Gold – Free travel credit card with included travel insurance and a long payment period. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 9.2/10
  14. Revolut Standard – Digital debit card with real-time exchange rates for travel and online payments. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.0/10
  15. N26 Standard – Free mobile account with debit card and a German IBAN. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 7.4/10
  16. Advanzia Gebührenfrei Mastercard Gold – Permanently free genuine credit card with travel insurance — ideal when repaid in full each month. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.3/10
  17. GMX Mastercard Gold – Free gold credit card with travel insurance and free worldwide withdrawals. Score: 8.4/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  18. DKB Visa Credit Card – Genuine DKB credit card with a credit line for bookings and deposits. Score: 8.1/10 (Very good) · Annual fee: 29,88 € · Bonus: — · Rating: 8.2/10
  19. Norisbank Credit Card Standard – Credit card with the Norisbank account — free for active customers, fee-free worldwide. Score: 8.1/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.0/10
  20. American Express Blue Card – Free Amex with cashback and Membership Rewards — note the limited acceptance. Score: 8.0/10 (Very good) · Annual fee: 0 € · Bonus: +25 € · Rating: 6.8/10
  21. Comdirect Visa Debit Card – Debit card with the Comdirect account, German IBAN and a free checking account. Score: 8.0/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 6.8/10
  22. Amazon Visa – Credit card for Amazon fans with boosted points for Prime members. Score: 7.8/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 6.6/10
  23. bunq Free Prepaid Mastercard – Virtual prepaid Mastercard on a balance basis – without Schufa. Score: 7.8/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.0/10
  24. N26 Go – N26 travel card with insurance and unlimited free withdrawals worldwide for under €10/month. Score: 7.7/10 (Good) · Annual fee: 118,8 € · Bonus: — · Rating: 7.9/10
  25. awa7 Visa – Sustainable free credit card — a tree is planted for every payment. Score: 7.7/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.4/10
  26. ING Visa Card – Solid Visa debit card with the free ING checking account and a German IBAN. Score: 7.4/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.5/10
  27. Tomorrow Visa Debit Card – Sustainable Now account with Visa debit - EUR 0 with EUR 500+ monthly deposit, otherwise up to EUR 4.90. Score: 7.3/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  28. Revolut Plus – Affordable entry into the Revolut ecosystem with a higher FX limit and reduced weekend surcharge. Score: 7.3/10 (Good) · Annual fee: 29,99 € · Bonus: — · Rating: 7.7/10
  29. N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals. Score: 7.3/10 (Good) · Annual fee: 202,8 € · Bonus: — · Rating: 8.0/10
  30. Santander BestCard Premium – Premium card with extensive insurance and fee-free worldwide withdrawals. Score: 7.3/10 (Good) · Annual fee: 118,8 € · Bonus: — · Rating: 8.0/10
  31. Curve Pay – Proxy card: all your cards in one — with a Go Back in Time feature and Apple/Google Pay integration. Score: 7.2/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 7.4/10
  32. Hanseatic Bank Goldcard – Gold debit card with travel insurance — free in the first year. Score: 7.1/10 (Good) · Annual fee: 58,8 € · Bonus: — · Rating: 8.0/10
  33. PAYBACK American Express Card – Collect points with no annual fee – ideal for PAYBACK fans. Score: 7.1/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.3/10
  34. Santander BestCard – Free charge card with no foreign currency fee on payments. Score: 7.1/10 (Good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  35. N26 Smart – Affordable N26 tier with a German IBAN, a free physical card and up to 6 virtual cards. Score: 7.0/10 (Good) · Annual fee: 58,8 € · Bonus: — · Rating: 7.8/10
  36. Santander BestCard Extra – Credit card with insurance package — free in the first year. Score: 7.0/10 (Good) · Annual fee: 58,8 € · Bonus: — · Rating: 8.2/10
  37. easybank Platinum Double – Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide. Score: 7.0/10 (Good) · Annual fee: 99 € · Bonus: — · Rating: 7.9/10
  38. PAYBACK Visa – Credit card for PAYBACK fans — collect points on every purchase. Score: 7.0/10 (Fair) · Annual fee: 29 € · Bonus: — · Rating: 8.4/10
  39. Revolut Premium – Unlimited foreign currency transactions without surcharge plus a travel insurance package for under €9/month. Score: 6.9/10 (Fair) · Annual fee: 89 € · Bonus: — · Rating: 7.8/10
  40. Revolut Metal – Stainless steel card with cashback on payments and partner travel insurance — Revolut's top everyday card. Score: 6.9/10 (Fair) · Annual fee: 155 € · Bonus: — · Rating: 7.9/10
  41. Supremacard Prepaid Mastercard – Prepaid Mastercard without Schufa and without foreign currency fee. Score: 6.5/10 (Fair) · Annual fee: 79 € · Bonus: — · Rating: 7.6/10
  42. Miles & More Gold Credit Card – Collect miles for flights with comprehensive travel cover. Score: 5.5/10 (Adequate) · Annual fee: 138 € · Bonus: — · Rating: 8.5/10
  43. American Express Gold Card – Collect points with attractive travel and shopping benefits. Score: 4.9/10 (Weak) · Annual fee: 240 € · Bonus: — · Rating: 8.6/10

Business credit cards

We rate business credit cards in their own league – the score is league-internal and not directly comparable to personal cards. Go to the business card comparison

  1. Moss Credit Mastercard – Business credit card with spend control – Starter with no base fee. Score: 9.4/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.3/10
  2. Pleo Starter Company Card – Company cards with spend management for teams. Score: 9.3/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
  3. American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs. Score: 8.2/10 (Very good) · Annual fee: 70 € · Bonus: — · Rating: 8.4/10
  4. American Express Business Gold Card – Earn points and manage business spending flexibly. Score: 7.8/10 (Good) · Annual fee: 175 € · Bonus: 75,000 points · Rating: 8.6/10
  5. Miles & More Gold Credit Card Business – The miles card for business spending and travel. Score: 7.6/10 (Good) · Annual fee: 138 € · Bonus: — · Rating: 8.4/10
  6. American Express Business Platinum Card – Premium business card with lounge access and top services. Score: 6.4/10 (Fair) · Annual fee: 850 € · Bonus: 200,000 points · Rating: 8.7/10

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