Refpo Credit Cards

Best Credit Cards in Germany

Browse country-specific cards and compare fees, rewards, and benefits.

American Express Germany

American Express PAYBACK Card

Germany's most popular free rewards credit card. Earn PAYBACK points on every purchase, collect double points at PAYBACK partners, enjoy Amex Offers, and pay no annual fee for life.

Purchase Protection
Extended 90-day Return Protection
Fraud Protection

Ausgabegebühr

€0

Verlängerungsgebühr

€0

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Hanseatic Bank

Hanseatic Bank GenialCard

One of Germany's best free travel credit cards with no annual fee, no foreign transaction fees, free cash withdrawals abroad, worldwide Visa acceptance, and flexible repayment options.

No foreign transaction fees
Free cash withdrawals worldwide
Worldwide Visa acceptance

Ausgabegebühr

€0

Verlängerungsgebühr

€0

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Deutsche Bank

Deutsche Bank Mastercard Platin

A premium German travel credit card offering airport lounge access, comprehensive travel insurance, worldwide Mastercard acceptance, concierge services, and premium travel benefits for frequent travelers.

Priority Pass airport lounge access
Worldwide Mastercard acceptance
Travel emergency assistance

Ausgabegebühr

€0

Verlängerungsgebühr

€200

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Solaris SE

ADAC Kreditkarte

A flexible German credit card for ADAC members offering optional fuel discounts, cashback shopping, travel benefits, and insurance packages. The biggest attraction is the optional 2% fuel discount worldwide on fuel and EV charging purchases.

Worldwide Visa acceptance
Emergency replacement card abroad
Optional travel insurance packages

Ausgabegebühr

€0

Verlängerungsgebühr

€0 for first year; From second year package fees apply

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Openbank in partnership with Amazon

Amazon Visa Card

One of the best shopping credit cards in Germany for frequent Amazon.de customers, offering Amazon rewards with no annual fee.

No annual fee
No need to open a new bank account
1% Amazon.de rewards

Ausgabegebühr

€0

Verlängerungsgebühr

€0 per year

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Moss

Moss Corporate Card

Business expense management and corporate credit card solution for startups, SMEs, and growing companies with high credit limits, employee cards, and automated accounting integrations.

Up to €2.5 million credit limit
Up to 60-day payment terms
Unlimited virtual cards

Ausgabegebühr

€0

Verlängerungsgebühr

€0 (Starter plan; premium plans available)

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Compare

Compare Cards

Card 1Card 2

Field	American Express PAYBACK Card	Hanseatic Bank GenialCard
Bank/provider	American Express Germany	Hanseatic Bank
Joining fee	€0	€0
Renewal fee	€0	€0
Best for	Shopping, PAYBACK Rewards, Everyday Spending	International Travel, Foreign Spending, Free Cash Withdrawals Abroad
Reward rate	1 PAYBACK Point per €3 spent at all American Express merchants Double points at many PAYBACK partner stores No point expiry while card is active	No rewards program
Cashback	Approximately 0.33% base return Higher effective value through PAYBACK promotions and partner offers 100 PAYBACK Points = €1 cash value	None
Lounge access	No	No
Fuel surcharge waiver	No	No
Welcome benefit	1,000 PAYBACK Extra Points €20 Amazon Gift Card	None
Annual fee waiver condition	Lifetime Free	Lifetime Free
Eligibility	Age 18+ Primary residence in Germany SEPA bank account	Minimum age 18 years German residential address German bank account
Apply link	Apply	Apply

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