GMX WEB.Cent Credit Card (Mastercard Gold)
Free gold credit card with travel insurance and free worldwide withdrawals.
Score: 8.6 / 10 · Very good
Rating: 8.2 / 10 · 540 reviews
Best for: Insurance coverage
Overview
The GMX WEB.Cent Credit Card (Mastercard Gold) is a genuine credit card from Advanzia Bank (GMX) on the Mastercard network. Free gold credit card with travel insurance and free worldwide withdrawals. 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: Insurance coverage. Its strengths lie in travel and use abroad, cashback (0.5 %), included travel insurance, the welcome bonus 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 24.95 %).
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 %) | 4.5 / 10 |
| Cashback & bonus (10 %) | 1.8 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 8.1 / 10 |
Interest safeguard: −0.6 points due to high effective interest on installments.
Highlights
- €0 annual fee + 0.5% WEB.Cent cashback
- Free cash withdrawals worldwide
- Travel insurance included
- No foreign currency fee
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | +€20 |
| Eff. annual interest | 24.95 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Advanzia Bank (GMX) |
€20 WEB.Cent after first use (€30 with PremiumMail)
There is no annual fee. You pay no surcharge abroad or in foreign currency. Cash withdrawals are free of charge worldwide. New customers receive a welcome bonus of €20. The effective annual interest rate is 24.95 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Miles & Cashback Credit Cards · Student Credit Cards
Related guides: Rental car deposits with a credit card · Foreign fee study 2026: what credit cards cost abroad · Student credit cards in Germany: what matters
Similar credit cards
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- 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 GMX WEB.Cent Credit Card (Mastercard Gold) cost per year?
- The GMX WEB.Cent Credit Card (Mastercard Gold) has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the GMX WEB.Cent Credit Card (Mastercard Gold) charge foreign currency fees?
- No. With the GMX WEB.Cent Credit Card (Mastercard Gold) you pay no foreign currency fee worldwide.
- Is the GMX WEB.Cent Credit Card (Mastercard Gold) a genuine credit card?
- Yes, the GMX WEB.Cent Credit Card (Mastercard Gold) is a genuine credit card with a credit line (effective annual interest 24.95 %).
- Does the GMX WEB.Cent Credit Card (Mastercard Gold) include travel insurance?
- Yes, the GMX WEB.Cent Credit Card (Mastercard Gold) includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the GMX WEB.Cent Credit Card (Mastercard Gold) require a SCHUFA check?
- Yes, Advanzia Bank (GMX) runs a SCHUFA credit check for the GMX WEB.Cent Credit Card (Mastercard Gold); a negative SCHUFA record can lead to rejection.
- How is money on the GMX WEB.Cent Credit Card (Mastercard Gold) protected?
- Statutory deposit guarantee Luxembourg (FGDL), up to €100,000. No voluntary top-up. The GMX WEB.Cent credit card is issued by Advanzia Bank S.A. (Luxembourg).