Miles & Cashback Credit Cards 2026

Miles and cashback credit cards reward your spending: you either get a percentage of your spending back (cashback) or collect reward miles and points for flights and rewards. The key is that the value exceeds the annual fee.

Who is it for?

For anyone who pays a lot by card and wants something in return – as a cash rebate or as miles/points.

What to look out for

• Weigh the cashback rate or miles/points value realistically against the annual fee
• Check the terms and caps for rewards
• Consider how miles/points can be redeemed
• Welcome bonus as an extra starting benefit

Recommendations compared

1. Trade Republic Karte – Debit card for the Trade Republic account with 1% Saveback into your savings plan. Annual fee: 0 € · Bonus: — · Rating: 8.6/10
2. Amazon Visa – Credit card for Amazon fans with boosted points for Prime members. Annual fee: 0 € · Bonus: — · Rating: 6.6/10
3. C24 Smart Debitkarte – Free debit card with the C24 Smart account and fee-free payments worldwide. Annual fee: 0 € · Bonus: — · Rating: 8.4/10
4. American Express Blue Card – Free Amex with cashback and Membership Rewards — note the limited acceptance. Annual fee: 0 € · Bonus: — · Rating: 6.8/10

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

Cashback or miles – which is better?

Cashback is flexible and usable immediately as cash value. Miles can offer a higher value with good redemption but are tied to programmes. It depends on your travel and spending habits.

Is a cashback card with an annual fee worth it?

Only if your annual cashback exceeds the fee. Multiply your typical annual spend by the cashback rate – our calculator helps with this.

Which card suits you best?

Use your personal usage profile to calculate the real annual cost of every card.