Travel Credit Cards 2026

Travel credit cards save real money abroad: they waive the foreign currency fee and often allow free cash withdrawals worldwide. You pay in foreign currency at the real exchange rate instead of costly surcharges.

Who is it for?

For frequent travellers, holidaymakers and anyone paying or withdrawing cash abroad – without surprise fees on the statement.

What to look out for

• No foreign currency fee worldwide
• Free cash withdrawals worldwide
• Optional travel insurance as a plus
• Mobile payment (Apple Pay / Google Pay) on the go

Recommendations compared

1. Trade Republic Card – Debit card for the Trade Republic account with 1% Saveback into your savings plan. Score: 9.5/10 (Excellent) · Top rated · Annual fee: 0 € · Bonus: — · Rating: 8.6/10
2. Consors Credit Card Gold Light – Free credit card with the Consorsbank account and fee-free withdrawals worldwide. Score: 9.2/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 9.4/10
3. C24 Smart Debit Card – Free debit card with the C24 Smart account and fee-free payments worldwide. Score: 9.2/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.4/10
4. DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers. Score: 9.1/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
5. Consors Visa Debit – Free debit card with the Consorsbank account and a German IBAN. Score: 9.1/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
6. Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping. Score: 9.0/10 (Excellent) · Annual fee: 0 € · Bonus: — · Rating: 8.0/10
7. BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.4/10
8. Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.7/10
9. Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals. Score: 8.9/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
10. Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa. Score: 8.8/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.8/10
11. Bank Norwegian Visa – The all-round fee-free travel credit card with no extra checking account. Score: 8.6/10 (Very good) · Annual fee: 0 € · Bonus: +15 € · Rating: 9.4/10
12. TF Bank Mastercard Gold – Free travel credit card with included travel insurance and a long payment period. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 9.2/10
13. Advanzia Gebührenfrei Mastercard Gold – Permanently free genuine credit card with travel insurance — ideal when repaid in full each month. Score: 8.5/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.3/10
14. GMX Mastercard Gold – Free gold credit card with travel insurance and free worldwide withdrawals. Score: 8.4/10 (Very good) · Annual fee: 0 € · Bonus: — · Rating: 8.2/10
15. DKB Visa Credit Card – Genuine DKB credit card with a credit line for bookings and deposits. Score: 8.1/10 (Very good) · Annual fee: 29,88 € · Bonus: — · Rating: 8.2/10
16. N26 Go – N26 travel card with insurance and unlimited free withdrawals worldwide for under €10/month. Score: 7.7/10 (Good) · Annual fee: 118,8 € · Bonus: — · Rating: 7.9/10
17. N26 Metal – Exclusive stainless steel card with a free lounge visit, travel insurance and unlimited free withdrawals. Score: 7.3/10 (Good) · Annual fee: 202,8 € · Bonus: — · Rating: 8.0/10
18. Santander BestCard Premium – Premium card with extensive insurance and fee-free worldwide withdrawals. Score: 7.3/10 (Good) · Annual fee: 118,8 € · Bonus: — · Rating: 8.0/10
19. Hanseatic Bank Goldcard – Gold debit card with travel insurance — free in the first year. Score: 7.1/10 (Good) · Annual fee: 58,8 € · Bonus: — · Rating: 8.0/10
20. easybank Platinum Double – Premium travel credit card with a full insurance package and 0% foreign currency fee worldwide. Score: 7.0/10 (Good) · Annual fee: 99 € · Bonus: — · Rating: 7.9/10

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

Related guides: Using a credit card abroad: avoid fees & pay smart · Credit card with travel insurance: what's really covered

Frequently asked questions

Which credit card is best for travel?

A good travel card waives foreign currency fees and allows free cash withdrawals abroad. Additional travel insurance can be worthwhile for frequent travellers.

Can I pay abroad for free with any credit card?

No. Many cards charge a foreign currency fee of around 1–2% outside the eurozone. Travel cards deliberately waive it.

Which card suits you best?

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