Best Credit Cards in Germany 2026

Looking for a credit card in Germany in 2026? We hold verified data on 20 credit cards in Germany and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.

How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.

This is not a complete list of every credit card sold in Germany. It is the set Buzdy has verified data for, from 8 issuers, as of August 2, 2026.

Quick Comparison: 15 Credit Cards in Germany

Side by side, in the order explained above. Tap any name for the full product page.

The 15 Credit Cards in Detail

1. Deutsche Bank Mastercard Travel

Bank: Deutsche Bank

• Annual fee: Not published
• Interest rate: 17.52% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards

Travel-focused premium card with airport lounge access, comprehensive travel insurance, and worldwide concierge services.

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2. Commerzbank Premium Visa

Bank: Commerzbank AG

• Annual fee: Not published
• Interest rate: 22.32% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards

Premium card with airport lounge access, comprehensive travel and medical insurance, and lifestyle concierge services.

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3. easybank Platinum Double

Bank: easybank

• Annual fee: Not published
• Interest rate: 19.2% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Digital wallet, Shopping offers, Supplementary cards

Premium dual-card package (Visa + Mastercard) with comprehensive travel insurance, worldwide fee-free payments, and up to 3 free partner cards.

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4. DKB Visa Kreditkarte

Bank: DKB

• Annual fee: Not published
• Interest rate: 8.64% per month
• Minimum income: Not published
• Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards

DKB Visa credit card with worldwide free payments, interest-free grace period, and optional cashback for active customers.

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5. Volksbank ExclusiveCard Visa

Bank: Volksbank

• Annual fee: EUR 150 (EUR 150/year)
• Interest rate: 10.49% per year
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Digital wallet, Supplementary cards

The Volksbank ExclusiveCard Visa is a premium offering with enhanced insurance benefits, higher transaction limits, and priority service. Includes travel emergency assistance, extended warranty, and lifestyle perks. Designed for customers seeking elevated banking.

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6. Sparkasse Visa Platinum

Bank: Sparkasse

• Annual fee: EUR 200 (EUR 200/year (varies by region))
• Interest rate: 10.99% per year
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Digital wallet, Supplementary cards

The Sparkasse Visa Platinum is a premium card with VIP airport lounge access, comprehensive travel and purchase insurance, personal concierge, and priority customer service. Higher credit limits and exclusive lifestyle benefits for premium customers.

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7. ING Visa Card

Bank: ING-DiBa AG

• Annual fee: Not published
• Interest rate: 9.12% per month
• Minimum income: Not published
• Verified benefits: Digital wallet, Shopping offers, Supplementary cards

Free Visa card included with ING Girokonto, offering worldwide payments and ATM withdrawals with no annual fee.

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8. Postbank Mastercard Platinum

Bank: Postbank

• Annual fee: EUR 149 (EUR 149/year)
• Interest rate: 10.99% per year
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Digital wallet

The Postbank Mastercard Platinum is the premium offering with extensive insurance including expanded travel insurance, rental car full coverage, and trip cancellation. Features higher limits, priority service, concierge access, and worldwide mobile payment.

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9. Deutsche Bank Mastercard Gold

Bank: Deutsche Bank

• Annual fee: Not published
• Interest rate: 17.52% per month
• Minimum income: Not published
• Verified benefits: Cashback, Travel benefits, Digital wallet, Shopping offers, Supplementary cards

Premium gold card with 6% travel cashback, comprehensive travel medical insurance, and extended purchase protection.

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10. Commerzbank Gold Visa

Bank: Commerzbank AG

• Annual fee: Not published
• Interest rate: 22.32% per month
• Minimum income: Not published
• Verified benefits: Travel benefits, Digital wallet, Shopping offers, Supplementary cards

Gold card with comprehensive travel insurance package, travel medical coverage, and enhanced purchase protection.

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11. easybank Visa Kreditkarte

Bank: easybank

• Annual fee: Not published
• Interest rate: 19.2% per month
• Minimum income: Not published
• Verified benefits: Digital wallet, Shopping offers, Supplementary cards

No-annual-fee Visa revolving credit card with worldwide acceptance, 59 days interest-free period, and up to 3 free partner cards.

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12. Volksbank GoldCard Mastercard

Bank: Volksbank

• Annual fee: EUR 80 (EUR 80/year)
• Interest rate: 11.49% per year
• Minimum income: Not published
• Verified benefits: Travel benefits, Digital wallet, Supplementary cards

The Volksbank GoldCard Mastercard includes a comprehensive insurance package with travel health, trip cancellation, and rental car coverage. Available from EUR 60-100 per year or free with Girokonto Premium. Ideal for frequent travelers seeking built-in protection.

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13. Sparkasse Mastercard Gold

Bank: Sparkasse

• Annual fee: EUR 80 (EUR 80/year (varies by region))
• Interest rate: 11.99% per year
• Minimum income: Not published
• Verified benefits: Travel benefits, Digital wallet, Supplementary cards

The Sparkasse Mastercard Gold includes comprehensive travel insurance covering medical emergencies, trip cancellation, and rental car protection. The included insurance package alone can offset the annual fee, making it ideal for frequent German travelers.

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14. Postbank Mastercard Gold

Bank: Postbank

• Annual fee: EUR 59 (EUR 59/year)
• Interest rate: 12.49% per year
• Minimum income: Not published
• Verified benefits: Travel benefits, Digital wallet

The Postbank Mastercard Gold offers travel insurance, increased cash withdrawal and credit limits, and secure online shopping. Includes travel health insurance, trip cancellation coverage, and rental car protection at an affordable annual fee.

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15. Deutsche Bank Mastercard Standard

Bank: Deutsche Bank

• Annual fee: Not published
• Interest rate: 17.52% per month
• Minimum income: Not published
• Verified benefits: Travel benefits, Digital wallet, Shopping offers, Supplementary cards

Standard Mastercard with purchase protection, travel insurance, and monthly billing for everyday spending.

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7 Smart Tips Before You Apply

What banks won't put in their marketing — but every smart applicant should know.

1. Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
2. Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
3. Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
4. Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
5. Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
6. Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
7. Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.

Common Mistakes to Avoid

The five most expensive errors people make with credit cards:

1. Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
2. Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
3. Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
4. Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
5. Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.

How to Choose the Right Credit card in Germany

• Annual fees — compare across banks, some offer zero fee for the first year
• Interest rates — lower rates save money if you carry a balance
• Rewards and benefits — match to your spending habits
• Eligibility — salary and documentation requirements vary by bank
• Digital access — mobile app, internet banking, contactless payments
• Customer support — 24/7 helpline, branch network, dispute resolution time
• Regulation — check the issuer's licence on the BaFin public register before you apply

Frequently Asked Questions: Credit cards in Germany

What is the best credit card in Germany for 2026?

The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.

What credit score do I need for a credit card in Germany?

Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.

Can I apply online for a credit card in Germany?

Yes, most major banks in Germany now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.

What documents do I need?

Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.

Are these credit cards regulated and safe?

Retail banking in Germany is supervised by BaFin. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.

What annual fee do credit cards in Germany charge?

Of the 20 credit cards Buzdy lists for Germany, 9 publish an annual fee amount, from EUR 29 to EUR 200 with a median of EUR 80. 0 are published as free and 11 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.

Can I get a credit card if I am self-employed in Germany?

Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.

What happens if I default on payments?

Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.

Related Guides for Germany

• All banks in Germany
• Bank branches across Germany
• Credit Cards In Germany 2026
• Personal Loans In Germany 2026
• Savings Accounts In Germany 2026
• Germany EMI calculator
• Germany savings calculator

How We Compare

Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.

Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.

Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.