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.

57 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. Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad. Score: 8.9/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.2/10
  6. Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa. Score: 8.7/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.8/10
  7. Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest. Score: 8.7/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.7/10
  8. 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
  9. awa7 Visa – Sustainable free credit card — a tree is planted for every payment. Score: 8.6/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.4/10
  10. Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping. Score: 8.6/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.0/10
  11. GMX WEB.Cent Credit Card (Mastercard Gold) – Free gold credit card with travel insurance and free worldwide withdrawals. Score: 8.6/10 (Very good) · Annual fee: €0 · Bonus: +€20 · Rating: 8.2/10
  12. 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
  13. 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
  14. 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
  15. Advanzia Gebührenfrei Mastercard Gold – Permanently free genuine credit card with travel insurance — ideal when repaid in full each month. Score: 8.4/10 (Very good) · Annual fee: €0 · Bonus: — · Rating: 8.3/10
  16. DKB Visa Credit Card – Genuine DKB credit card with a credit line for bookings and deposits. Score: 8.3/10 (Very good) · Annual fee: €29.88 · Bonus: +€90 · Rating: 8.2/10
  17. PAYBACK Visa – Credit card for PAYBACK fans — collect points on every purchase. Score: 8.1/10 (Very good) · Annual fee: €29 · Bonus: 3,000 points · Rating: 8.4/10
  18. Openbank BestCard Smart – Shopping credit card from Openbank (formerly Santander) – no foreign currency fee, with purchase protection and 4 free withdrawals per month. Score: 8.1/10 (Very good) · Annual fee: €24 · Bonus: — · Rating: 8.2/10
  19. Wise Debit Card – Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments. Score: 8.0/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 9.0/10
  20. Consors Finanz Mastercard – Free Mastercard with no foreign currency fee and flexible repayment: now, later or in instalments. Score: 8.0/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 8.0/10
  21. 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
  22. Norisbank Credit Card Standard – Credit card with the Norisbank account — free for active customers, fee-free in euros. Score: 7.7/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 8.0/10
  23. Openbank BestCard Extra – Credit card with insurance package and 6 free withdrawals abroad per month. Score: 7.6/10 (Good) · Annual fee: €58.80 · Bonus: — · Rating: 8.2/10
  24. ING Visa Card – Solid Visa debit card with the ING checking account and a German IBAN. Score: 7.4/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 8.5/10
  25. Consors Visa Debit – Free debit card with the Consorsbank account and a German IBAN. Score: 7.4/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 8.2/10
  26. N26 Go – N26 travel card with insurance and unlimited free withdrawals outside the eurozone for under €10/month. Score: 7.4/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 7.9/10
  27. 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
  28. N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals outside the eurozone. Score: 7.3/10 (Good) · Annual fee: €202.80 · Bonus: — · Rating: 8.0/10
  29. 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
  30. Comdirect Visa Debit Card – Debit card with the Comdirect account, German IBAN and a free checking account. Score: 7.2/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 6.8/10
  31. Openbank BestCard Premium – Premium card with extensive insurance and 8 free withdrawals worldwide per month. Score: 7.2/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 8.0/10
  32. 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
  33. Amazon Visa – Credit card for Amazon fans – 1 point per euro at Amazon, instalments available. Score: 7.1/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 6.6/10
  34. PAYBACK American Express Card – Collect points with no annual fee – ideal for PAYBACK fans. Score: 7.1/10 (Good) · Annual fee: €0 · Bonus: 4,000 points · Rating: 8.3/10
  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: €58.80 · Bonus: — · Rating: 7.8/10
  36. American Express Blue Card – Free Amex with Amex Offers and optional Membership Rewards — note the limited acceptance. Score: 7.0/10 (Fair) · Annual fee: €0 · Bonus: +€25 · Rating: 6.8/10
  37. Openbank BestCard Basic – Free credit card from Openbank (formerly Santander) – instalments preset, full payment selectable. Score: 7.0/10 (Fair) · Annual fee: €0 · Bonus: — · Rating: 8.2/10
  38. easybank Credit Card Platinum – Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide. Score: 7.0/10 (Fair) · Annual fee: €99 · Bonus: — · Rating: 7.9/10
  39. Hilton Honors Credit Card – Hotel credit card with Gold status, Hilton Honors points and no foreign currency fee for €6 a month. Score: 6.9/10 (Fair) · Annual fee: €72 · Bonus: 50,000 points · Rating: 7.0/10
  40. Hanseatic Bank Goldcard – Gold credit card with travel insurance and fee-free withdrawals worldwide for €4.90 a month. Score: 6.9/10 (Fair) · Annual fee: €58.80 · Bonus: — · Rating: 8.0/10
  41. Revolut Premium – Unlimited foreign currency transactions without surcharge plus a travel insurance package for under €9/month. Score: 6.8/10 (Fair) · Annual fee: €89 · Bonus: — · Rating: 7.8/10
  42. Instabank Credit Card – Visa credit card without a SCHUFA check, with a high credit limit and a comparatively low rate, from age 23. Score: 6.6/10 (Fair) · Annual fee: €0 · Bonus: — · Rating: 6.8/10
  43. Revolut Metal – Stainless steel card with cashback on payments and partner travel insurance — Revolut's top everyday card. Score: 6.5/10 (Fair) · Annual fee: €155 · Bonus: — · Rating: 7.9/10
  44. Supremacard Prepaid Mastercard – Prepaid Mastercard without Schufa and without foreign currency fee. Score: 6.4/10 (Fair) · Annual fee: €79 · Bonus: — · Rating: 7.6/10
  45. Extra Karte Mastercard – Free Mastercard with an instalment option and up to 8 weeks interest-free. Score: 6.0/10 (Fair) · Annual fee: €0 · Bonus: — · Rating: 6.2/10
  46. BMW Card from American Express – Amex card for drivers with 1% credit on fuel and Membership Rewards points for €44 a year. Score: 5.8/10 (Adequate) · Annual fee: €44 · Bonus: +€44 · Rating: 6.0/10
  47. American Express Card (Green Card) – Entry-level Amex with Membership Rewards that costs nothing from year two with regular use. Score: 5.6/10 (Adequate) · Annual fee: €60 · Bonus: +€40 · Rating: 5.6/10
  48. Miles & More Gold Credit Card – Collect miles for flights with comprehensive travel cover. Score: 5.3/10 (Adequate) · Annual fee: €138 · Bonus: — · Rating: 8.5/10
  49. American Express Gold Card – Collect points with attractive travel and shopping benefits. Score: 5.2/10 (Adequate) · Annual fee: €240 · Bonus: +€200 · Rating: 8.6/10
  50. BMW Premium Card Carbon – Premium Amex for BMW drivers with lounge access, a comprehensive insurance package and double points around the car. Score: 5.2/10 (Adequate) · Annual fee: €500 · Bonus: 37,500 points · Rating: 5.3/10
  51. American Express Platinum Card – Premium metal charge card with worldwide lounge access, travel insurance and yearly credits. Score: 5.1/10 (Adequate) · Annual fee: €720 · Bonus: +€340 · Rating: 5.1/10

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. American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs. Score: 7.6/10 (Good) · Annual fee: €70 · Bonus: — · Rating: 8.4/10
  3. American Express Business Gold Card – Earn points and manage business spending flexibly. Score: 7.6/10 (Good) · Annual fee: €175 · Bonus: +€150 · Rating: 8.6/10
  4. Miles & More Gold Credit Card Business – The miles card for business spending and travel. Score: 7.3/10 (Good) · Annual fee: €138 · Bonus: — · Rating: 8.4/10
  5. Pleo Start Company Card – Company cards with spend management for teams. Score: 7.0/10 (Fair) · Annual fee: €96 · Bonus: — · Rating: 8.2/10
  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

Existing customers only

Providers currently do not issue these cards to new customers, so they are not ranked – the card page lists open alternatives.

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