Credit Cards With Instalments 2026
True credit cards with an instalment feature (revolving) let you settle the outstanding amount in instalments rather than all at once. That creates flexibility but comes with interest. The effective annual interest rate is decisive – paying in full and on time avoids interest costs.
Who is it for?
For users who occasionally value repayment flexibility – with awareness of the instalment interest involved.
What to look out for
- Compare the effective annual interest rate (instalment) closely
- Flexibility on instalments and early repayment
- Avoid interest costs by paying in full where possible
- Note the credit line and credit requirements
Recommendations compared
- Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account. Annual fee: 0 € · Bonus: +15 € · Rating: 9.4/10
- Consors Credit Card Gold Light – Free credit card with the Consorsbank account and fee-free withdrawals worldwide. Annual fee: 0 € · Bonus: — · Rating: 9.4/10
- TF Bank Mastercard Gold – Free travel credit card with included travel insurance and a long payment period. Annual fee: 0 € · Bonus: — · Rating: 9.2/10
- Easybank Kreditkarte – Flexible credit card with no account requirement — successor to the Barclays Visa. Annual fee: 0 € · Bonus: — · Rating: 8.8/10
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest. Annual fee: 0 € · Bonus: +15 € · Rating: 8.7/10
- easybank Platinum – Premium credit card with an insurance package for frequent travelers. Annual fee: 99 € · Bonus: — · Rating: 8.6/10
- Miles & More Gold Credit Card – Collect miles for flights with comprehensive travel cover. Annual fee: 138 € · Bonus: — · Rating: 8.5/10
- PAYBACK Visa – Credit card for PAYBACK fans — collect points on every purchase. Annual fee: 29 € · Bonus: — · Rating: 8.4/10
- awa7 Visa – Sustainable free credit card — a tree is planted for every payment. Annual fee: 0 € · Bonus: — · Rating: 8.4/10
- BBVA Kreditkarte Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN. Annual fee: 0 € · Bonus: — · Rating: 8.4/10
- Miles & More Gold Credit Card Business – The miles card for business spending and travel. Annual fee: 138 € · Bonus: — · Rating: 8.4/10
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals. Annual fee: 0 € · Bonus: — · Rating: 8.2/10
- DKB Visa Kreditkarte – Genuine DKB credit card with a credit line for bookings and deposits. Annual fee: 58,8 € · Bonus: — · Rating: 8.2/10
- Santander BestCard Extra – Credit card with insurance package — free in the first year. Annual fee: 58,8 € · Bonus: — · Rating: 8.2/10
- GMX Mastercard Gold – Free gold credit card with travel insurance and free worldwide withdrawals. Annual fee: 0 € · Bonus: — · Rating: 8.2/10
- Norisbank Kreditkarte Standard – Credit card with the Norisbank account — free for active customers, fee-free worldwide. Annual fee: 0 € · Bonus: — · Rating: 8.0/10
- Amazon Visa – Credit card for Amazon fans with boosted points for Prime members. Annual fee: 0 € · Bonus: — · Rating: 6.6/10
All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive. No affiliate links.
Related guides: Instalment payment on credit cards: how to avoid the interest trap · What costs does a credit card incur?
Frequently asked questions
- What does revolving mean on a credit card?
- Revolving (instalment payment) means you repay the outstanding balance not in full but in monthly instalments. Interest accrues on the amount not settled.
- How do I avoid interest with instalment payments?
- By settling the full amount on time. Use instalments only deliberately and keep an eye on the effective annual interest rate.
Which card suits you best?
Use your personal usage profile to calculate the real annual cost of every card.
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