Looking for the best Credit Cards in Germany? We have compared 15 Credit Cards from top banks in Germany to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 15 Credit Cards in Germany (2026)
1. Air France-KLM American Express Silver
Bank: American Express
- Annual Fee: EUR 90/year (EUR 7.50/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Flying Blue Miles
- Interest Free Days: N/A (charge card)
The Air France-KLM Amex Silver card earns Flying Blue Miles directly on every purchase with a 3,000 miles welcome bonus after EUR 1,000 spend. Co-branded card ideal for Air France and KLM frequent fly
2. American Express Blue (France)
Bank: American Express
- Annual Fee: EUR 60/year (EUR 5/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Membership Rewards
- Interest Free Days: N/A (charge card)
The Amex Blue is the most accessible American Express card in France at EUR 5/month with Membership Rewards points on every purchase. Full balance auto-debited monthly as a charge card. Ideal entry po
3. American Express Gold (France)
Bank: American Express
- Annual Fee: EUR 192/year (EUR 16/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Accelerated Membership Rewards
- Interest Free Days: N/A (charge card)
The Amex Gold Card in France at EUR 16/month offers accelerated Membership Rewards earning, travel insurance, and Amex Offers discounts. Full balance auto-debited monthly. Excellent for earning points
4. American Express Gold Card (Germany)
Bank: American Express
- Annual Fee: EUR 240/year (EUR 20/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Membership Rewards
- Interest Free Days: N/A (charge card)
The Amex Gold Card offers 20,000 Membership Rewards welcome bonus, EUR 240/year annual fee, and excellent airline mile transfer rates. Includes travel and purchase insurance, supplementary card, and A
5. American Express Payback Card
Bank: American Express
- Annual Fee: EUR 0
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Payback points
- Interest Free Days: N/A (charge card)
The Amex Payback Card is Germany's best free credit card with no annual fee and 5,000 Payback points welcome bonus worth EUR 50. Earn Payback points on every purchase. Full balance auto-debited monthl
6. American Express Platinum (France)
Bank: American Express
- Annual Fee: EUR 708/year (EUR 59/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Premium Membership Rewards
- Interest Free Days: N/A (charge card)
The Amex Platinum Card in France at EUR 59/month provides access to 1,200+ airport lounges, EUR 400 welcome bonus after EUR 4,000 spend, premium concierge, hotel elite status, and comprehensive insura
7. American Express Platinum Card (Germany)
Bank: American Express
- Annual Fee: EUR 720/year (EUR 60/month)
- Interest Rate: Charge card (paid in full monthly)
- Rewards: Membership Rewards
- Interest Free Days: N/A (charge card)
The Amex Platinum Card is the most exclusive card in Germany with access to 1,200+ airport lounges, comprehensive insurance, hotel elite status, and premium concierge. Membership Rewards points transf
8. Amex Essential Card
Bank: American Express
- Annual Fee: No annual fee
- Interest Rate: 20.74% p.a.
- Salary/Eligibility: Not Required
- Rewards: 5 pts/$1 restaurants/cafes/bars, 3 pts/$1 streaming, 2 pts/$1 major retailers, 1 pt/$1 other
Earn up to 5x points at restaurants, 3x on streaming services, and 2x at major retailers like Amazon & Kmart. Just $9/month with up to 55 interest-free days, Apple Pay/Google Pay/Samsung Pay, Plan It
9. Amex Explorer Card
Bank: American Express
- Annual Fee: AUD 395/year
- Interest Rate: 20.74% p.a.
- Salary/Eligibility: Not Required
- Rewards: 2 pts/$1 on purchases (1 pt/$1 on government)
- Benefits: Lifestyle Privileges
Earn 2 Membership Rewards points per $1 spent plus a $400 annual travel credit that offsets the $395 fee. Includes Centurion Lounge access in Sydney & Melbourne, travel insurance, smartphone screen co
10. Amex KrisFlyer Credit Card
Bank: American Express
- Annual Fee: S$176.55 (1st year waived)
- Interest Rate: 1.5% - 25.9% p.a.
- Salary/Eligibility: No
- Rewards: 2 KrisFlyer miles per S$1 overseas
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The American Express KrisFlyer Credit Card is co-branded with Singapore Airlines, earning 1.1 KrisFlyer miles per S$1 on local spending and 2 miles per S$1 on overseas and online spending. Miles are a
11. Amex Platinum Card
Bank: American Express
- Annual Fee: S$1,712
- Interest Rate: N/A (Charge Card)
- Salary/Eligibility: No
- Rewards: 3 MR points per S$1.60 overseas
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
The American Express Platinum Card is an ultra-premium charge card offering unlimited Priority Pass and Plaza Premium lounge access, Hilton Gold and Marriott Gold status, and up to 3 Membership Reward
12. Amex Platinum Card
Bank: American Express
- Annual Fee: AUD 1,450/year
- Interest Rate: Charge card
- Salary/Eligibility: Not Required
- Rewards: Up to 2.25 pts/$1 on eligible spend (1 pt/$1 on government)
- Benefits: Hotel Discounts & Offers
Australia's premier charge card with unlimited access to 1,550+ airport lounges worldwide, $450 travel credit, up to $400 dining credits, 24/7 concierge, and up to 2.25 points per $1. Comprehensive tr
13. Amex True Cashback Card
Bank: American Express
- Annual Fee: S$171.20 (1st year waived)
- Interest Rate: 1.5% - 25.9% p.a.
- Salary/Eligibility: No
- Rewards: 1.5% unlimited (3% first 6 months)
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Global Acceptance, Chip/Pin
The American Express True Cashback Card offers a flat 1.5% unlimited cashback on all spending with no minimum spend and no category restrictions. New cardmembers receive 3% cashback for the first 6 mo
14. Amex Velocity Platinum
Bank: American Express
- Annual Fee: AUD 249/year
- Interest Rate: 20.74% p.a.
- Salary/Eligibility: Not Required
- Rewards: 1.25 Velocity pts/$1 everyday, 2.25 pts/$1 on Virgin Australia purchases
Earn 1.25 Velocity Points per $1 on everyday spend and 2.25 per $1 on Virgin Australia purchases. Includes complimentary annual domestic return flight, Virgin Australia Lounge access, travel insurance
15. Commerzbank Classic Visa
Bank: Commerzbank AG
- Interest Rate: 1.86% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Commerzbank standard credit card for worldwide Visa acceptance with monthly billing and basic purchase protection.
How to Choose a 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
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Germany for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Germany now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Germany?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Germany →
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How We Compare Best Credit Cards in Germany 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Germany. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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