Credit card calculator

Enter your personal usage profile and find out which credit card costs you the least per year – with real fees, bonus and cashback factored in.

Free, independent and up to date.

Your usage profile

• Monthly card spending
• Share of spending in foreign currency
• Cash withdrawals abroad per year
• Outstanding installment balance (revolving)
• Desired extras: travel insurance, Apple/Google Pay, German IBAN, no credit check

Your cheapest cards

The calculator factors in the annual fee, foreign currency and cash withdrawal fees, installment interest as well as cashback and welcome bonus to determine the effective annual cost of each card. Cards are sorted live by the lowest cost for your profile.