Credit Cards With Instalments 2026

True credit cards with an instalment feature (revolving) let you settle the outstanding amount in instalments rather than all at once. That creates flexibility but comes with interest. The effective annual interest rate is decisive – paying in full and on time avoids interest costs.

Who is it for?

For users who occasionally value repayment flexibility – with awareness of the instalment interest involved.

What to look out for

• Compare the effective annual interest rate (instalment) closely
• Flexibility on instalments and early repayment
• Avoid interest costs by paying in full where possible
• Note the credit line and credit requirements

Recommendations compared

1. 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
2. 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
3. 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
4. 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
5. 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
6. 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
7. 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
8. 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
9. 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
10. 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
11. 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
12. 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
13. 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
14. 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
15. 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
16. 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
17. 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

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive. No affiliate links.

Related guides: Instalment payment on credit cards: how to avoid the interest trap · What costs does a credit card incur?

Frequently asked questions

What does revolving mean on a credit card?

Revolving (instalment payment) means you repay the outstanding balance not in full but in monthly instalments. Interest accrues on the amount not settled.

How do I avoid interest with instalment payments?

By settling the full amount on time. Use instalments only deliberately and keep an eye on the effective annual interest rate.

Which card suits you best?

Use your personal usage profile to calculate the real annual cost of every card.