Frequently asked questions

The best credit card depends on your needs. Permanently free cards suit everyday use, cards without foreign currency fees suit travel, and cashback cards suit heavy users. Use our filter to find the right card.

Yes. Prepaid credit cards and many debit cards work without a SCHUFA check, as they operate on a balance basis and carry no credit risk.

Many credit cards are permanently free. Others cost between €30 and over €600 in annual fees depending on the range of services. Foreign currency and withdrawal fees may also apply depending on the card.

The online application takes just a few minutes. With VideoIdent you often receive approval immediately, otherwise within a few days. The card then arrives by post.

Both are accepted almost equally well worldwide. The differences lie less in the network itself than in the conditions and additional services of the issuing bank.

Yes, our credit card comparison is 100% free and non-binding for you. You can compare all cards freely and apply directly on the official page of the respective provider.

With a debit card, every transaction is debited from the linked account immediately. A true credit card (charge card) collects all transactions and debits them once a month — giving you an interest-free payment deferral. Both card types can be used for cashless payments worldwide.

For travelling, cards without foreign currency fees and ideally without cash withdrawal fees abroad are ideal. Some cards additionally offer travel insurance or lounge access. In our travel credit card comparison you can filter specifically for these features.

No, usually not. Most credit cards can be linked to your existing current account, from which the monthly bill is debited. However, there are also cards tied directly to a specific account — this is indicated for each card.

If you use installment payment (revolving credit), you only pay part of the bill and the rest is charged interest — often at double-digit effective annual rates. To avoid interest, you should settle the bill in full by direct debit whenever possible.

That depends on the card. Some cards allow fee-free withdrawals worldwide, while others charge a withdrawal fee. Note: if you withdraw cash and use installment payment, interest may accrue from the day of withdrawal. You'll find the exact terms on each card's detail page.

We maintain the card data regularly based on the publicly available information from providers. Terms can change — please always check the binding details directly on the official provider page before applying.