Refpo Credit Cards

Best Credit Cards in Germany

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

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

Joining fees

€0

Renewal fees

€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

Joining fees

€0

Renewal fees

€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

Joining fees

€0

Renewal fees

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

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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

Joining fees

€0

Renewal fees

€0 (Starter plan; premium plans available)

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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

Joining fees

€0

Renewal fees

€0 per year

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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

Joining fees

€0

Renewal fees

€0

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Compare

Compare Cards

Card 1Card 2

Field	Hanseatic Bank GenialCard	Deutsche Bank Mastercard Platin
Bank/provider	Hanseatic Bank	Deutsche Bank
Joining fee	€0	€0
Renewal fee	€0	€200
Best for	International Travel, Foreign Spending, Free Cash Withdrawals Abroad	Premium Travel, Airport Lounge Access, Travel Insurance
Reward rate	No rewards program	No rewards points program
Cashback	None	None
Lounge access	No	Yes Lounge Program: Priority Pass Included Lounge Visits: Unlimited for Primary Cardholder
Fuel surcharge waiver	No	No
Welcome benefit	None	Priority Pass Membership Included
Annual fee waiver condition	Lifetime Free	No
Eligibility	Minimum age 18 years German residential address German bank account	German resident Minimum age 18 Positive SCHUFA credit history
Apply link	Apply Now	Apply Now

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