Prepaid Credit Cards Without Schufa 2026

Prepaid credit cards work on a balance basis: you top up the card and only pay with available funds. Since no credit line is granted, there is usually no Schufa check. That makes them accessible – for example with a low credit score or for full cost control.

Who is it for?

For anyone who wants no credit check, strict budget control, or a card for teenagers or controlled online shopping.

What to look out for

• Check top-up fees and any monthly fee
• No Schufa check and no overdraft / credit line
• Acceptance and online suitability (3D Secure)
• Note limits on topping up and paying

Recommendations compared

1. Pleo Starter Firmenkarte – Company cards with spend management for teams. Annual fee: 48 € · Bonus: — · Rating: 8.2/10
2. bunq Free Prepaid Mastercard – Virtual prepaid Mastercard on a balance basis – without Schufa. Annual fee: 0 € · Bonus: — · Rating: 8.0/10
3. Supremacard Prepaid Mastercard – Prepaid Mastercard without Schufa and without foreign currency fee. Annual fee: 79 € · Bonus: — · Rating: 7.6/10

All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive. No affiliate links.

Related guides: Credit card without SCHUFA: which options really exist · What is SCHUFA? Simply explained · The 4 types of credit cards at a glance

Frequently asked questions

What is a prepaid credit card?

A card that only works with previously loaded funds. There is no credit line, so you can't overdraw it and keep full cost control.

Can I get a prepaid card without Schufa?

Usually yes: since no credit is granted, prepaid providers mostly skip the Schufa check. The exact terms are set by each provider.

Which card suits you best?

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