Refpo
TrendingLatestCashback Picks

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.

FuelBest for Fuel Savings, ADAC Members, Road Travel
Apply Now
ADAC Kreditkarte

Highlights

Main benefits

  • Worldwide Visa acceptance
  • Emergency replacement card abroad
  • Optional travel insurance packages
  • Rental car discounts
  • Available through optional Protection, Travel, and Platinum packages
  • 2% fuel discount worldwide
  • 2% EV charging discount
  • Up to 30% cashback at partner online shops
  • First year free
  • Worldwide Visa acceptance
  • Apple Pay support
  • Google Pay support
  • Emergency replacement card abroad
  • ADAC member benefits
  • Flexible repayment optionsBest fuel-focused credit card in Germany
  • EV charging rewards included
  • First year free
  • Worldwide acceptance
  • Strong ADAC ecosystem benefits
  • Online shopping cashback opportunities

Fees

Fees and charges

Joining fee

€0

Renewal fee

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

Annual fee waiver

Yes (First Year)

Who can apply

Eligibility

  • ADAC Membership Required
  • 18+ years old
  • German residential address
  • Successful credit check (SCHUFA)

Checklist

Documents required

  • Government-issued ID
  • German residential address
  • German bank account
  • ADAC membership
  • Income information if requested

Process

How to apply

1. Become an ADAC member

2. Apply online via ADAC

3. Complete identity verification

4. Pass credit assessment

5. Receive card by mail

Value

Reward and cashback structure

Reward rate

Up to 2% Fuel Cashback

Cashback

2% fuel discount worldwide,

2% EV charging discount worldwide,

Up to 20-30% cashback at selected online stores through ADAC Cashback Shop

(available through optional savings package)

Good fit

Pros

  • Best fuel-focused credit card in Germany
  • EV charging rewards included
  • First year free
  • Worldwide acceptance
  • Strong ADAC ecosystem benefits
  • Online shopping cashback opportunities

Watchouts

Cons

  • Must be an ADAC member
  • Fuel cashback capped at €150 spend per month
  • No airport lounge access
  • Foreign transaction fee applies
  • Many benefits require paid add-on packages
  • No traditional points program

Related

Related cards

American Express PAYBACK Card

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

View Details
Hanseatic Bank GenialCard

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

View Details
Deutsche Bank Mastercard Platin

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

View Details
Amazon Visa Card

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

View Details
Moss Corporate Card

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)

View Details

Compare

Compare Cards

FieldADAC KreditkarteAmerican Express PAYBACK Card
Bank/providerSolaris SEAmerican Express Germany
Joining fee€0€0
Renewal fee
  • €0 for first year
  • From second year package fees apply
€0
Best forFuel Savings, ADAC Members, Road TravelShopping, PAYBACK Rewards, Everyday Spending
Reward rateUp to 2% Fuel Cashback
  • 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
Cashback
  • 2% fuel discount worldwide,
  • 2% EV charging discount worldwide,
  • Up to 20-30% cashback at selected online stores through ADAC Cashback Shop
  • (available through optional savings package)
  • Approximately 0.33% base return
  • Higher effective value through PAYBACK promotions and partner offers
  • 100 PAYBACK Points = €1 cash value
Lounge accessNoNo
Fuel surcharge waiver
  • No but
  • Fuel Benefits**
  • 2% cashback on fuel purchases worldwide,
No
Welcome benefit
  • First year free
  • Optional packages free during introductory period
  • 1,000 PAYBACK Extra Points
  • €20 Amazon Gift Card
Annual fee waiver conditionYes (First Year)Lifetime Free
Eligibility
  • ADAC Membership Required
  • 18+ years old
  • German residential address
  • Age 18+
  • Primary residence in Germany
  • SEPA bank account
Apply linkApplyApply