Moss Credit Mastercard
Business credit card with spend control – Starter with no base fee.
Score: 9.4 / 10 · Excellent
Rating: 8.3 / 10 · No reviews yet
Best for: Companies & the self-employed
Overview
The Moss Credit Mastercard is a charge card from Moss GmbH on the Mastercard network. Business credit card with spend control – Starter with no base fee. It comes with no annual fee on a permanent basis. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
The card is particularly suited to companies & the self-employed. Its strengths lie in mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 9.4 / 10 · Excellent
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 4.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Starter plan with no base fee
- Spend control & limits
- Accounting integrations
- Multiple employee cards
Costs & Fees
| Annual fee | 0 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Charge card |
| Network | Mastercard |
| Issuer | Moss GmbH |
There is no annual fee. Outside the euro area a 2 % foreign currency fee applies. Billing: Monthly billing, full balance settled by direct debit.
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This card in our comparisons: Free Credit Cards · Business & Corporate Credit Cards · Mastercard Credit Cards Compared
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Frequently asked questions
- What does the Moss Credit Mastercard cost per year?
- The Moss Credit Mastercard has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Moss Credit Mastercard charge foreign currency fees?
- Yes. Outside the euro area the Moss Credit Mastercard charges a 2 % foreign currency fee.
- Is the Moss Credit Mastercard a genuine credit card?
- The Moss Credit Mastercard is a charge card — transactions are collected and billed periodically.
- Does the Moss Credit Mastercard require a SCHUFA check?
- Yes, Moss GmbH runs a SCHUFA credit check for the Moss Credit Mastercard; a negative SCHUFA record can lead to rejection.
- How is money on the Moss Credit Mastercard protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Raisin Bank AG is the issuing bank for the Moss credit card (BaFin-licensed private bank in Germany).