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
Rating: 8.3 / 10 · 2.450 reviews
Best for: Fee-free travel card
Overview
The Advanzia Gebührenfrei Mastercard Gold is a genuine credit card from Advanzia Bank on the Mastercard network. Permanently free genuine credit card with travel insurance — ideal when repaid in full each month. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to fee-free travel card. Its strengths lie in travel and use abroad, travellers who need insurance and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 24.69 %).
How the score is calculated
Overall score: 8.5 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 4.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 8.4 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- €0 annual fee permanently
- No foreign currency fee worldwide
- Travel insurance package included
- Cash withdrawal without fee (interest from day 1)
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 24,69 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Advanzia Bank |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. The effective annual interest rate is 24.69 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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This card in our comparisons: Free Credit Cards · Travel Credit Cards · Student Credit Cards · Credit Cards With Insurance
Similar credit cards
- BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
Frequently asked questions
- What does the Advanzia Gebührenfrei Mastercard Gold cost per year?
- The Advanzia Gebührenfrei Mastercard Gold has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Advanzia Gebührenfrei Mastercard Gold charge foreign currency fees?
- No. With the Advanzia Gebührenfrei Mastercard Gold you pay no foreign currency fee worldwide.
- Is the Advanzia Gebührenfrei Mastercard Gold a genuine credit card?
- Yes, the Advanzia Gebührenfrei Mastercard Gold is a genuine credit card with a credit line (effective annual interest 24.69 %).
- Does the Advanzia Gebührenfrei Mastercard Gold include travel insurance?
- Yes, the Advanzia Gebührenfrei Mastercard Gold includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Advanzia Gebührenfrei Mastercard Gold require a SCHUFA check?
- Yes, Advanzia Bank runs a SCHUFA credit check for the Advanzia Gebührenfrei Mastercard Gold; a negative SCHUFA record can lead to rejection.
- How is money on the Advanzia Gebührenfrei Mastercard Gold protected?
- Statutory deposit guarantee Luxembourg (FGDL – Fonds de garantie des dépôts Luxembourg), up to €100,000. No voluntary top-up.