awa7 Visa
Sustainable free credit card — a tree is planted for every payment.
Score: 8.6 / 10 · Very good
Rating: 8.4 / 10 · 1.280 reviews
Best for: Sustainability
Overview
The awa7 Visa is a genuine credit card from awa7 on the Visa network. Sustainable free credit card — a tree is planted for every payment. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Sustainability. Its strengths lie in travel and use abroad 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 21.96 %).
How the score is calculated
Overall score: 8.6 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 5.1 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.4 / 10 |
Interest safeguard: −0.2 points due to high effective interest on installments.
Highlights
- €0 annual fee
- No foreign currency fee on payments
- A tree planted per transaction
- No extra checking account required
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 21.96 % |
| Type | Credit card |
| Network | Visa |
| Issuer | awa7 |
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals abroad are free of charge. In Germany, cash withdrawals cost €3.95 per withdrawal. The effective annual interest rate is 21.96 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Student Credit Cards · Credit Cards With Instalments · Visa Credit Cards Compared
Related guides: Foreign fee study 2026: what credit cards cost abroad · How to apply for a credit card in Germany · Credit card fees and how to avoid them
Similar credit cards
- Hanseatic Bank GenialCard – Popular fee-free credit card with free cash withdrawals abroad.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account.
Frequently asked questions
- What does the awa7 Visa cost per year?
- The awa7 Visa has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the awa7 Visa charge foreign currency fees?
- No. With the awa7 Visa you pay no foreign currency fee worldwide.
- Is the awa7 Visa a genuine credit card?
- Yes, the awa7 Visa is a genuine credit card with a credit line (effective annual interest 21.96 %).
- Does the awa7 Visa require a SCHUFA check?
- Yes, awa7 runs a SCHUFA credit check for the awa7 Visa; a negative SCHUFA record can lead to rejection.
- How is money on the awa7 Visa protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund. The awa7® Visa is issued by Hanseatic Bank GmbH & Co KG (Hamburg); the brand belongs to DZ-Media Verlag GmbH (Essen).