Best Credit Card in Germany: 7 Proven Picks for Expats
The best credit card in Germany is the one that fits your lifestyle. Whether you are new to Berlin or a long-time resident of Munich, the best credit card in Germany has really good options. The thing is, the market works differently here than in the US, UK, Canada or Australia.
Disclosure: This article is for purposes only. Card terms, fees and eligibility requirements may change. Always verify details directly with the card issuer before applying. Choosing the best credit card in Germany depends on your spending habits, travel needs and whether you prefer rewards or low fees.
How the Best Credit Card in Germany Market Works:
Before picking a card, you need to understand how the German credit card market works. German credit cards are actually charge cards. That means the full balance is automatically debited from your bank account at the end of each month. This is very different from the revolving credit model most Americans, Canadians and Australians are used to. Young professionals moving abroad should also understand how to build wealth in their 20s while establishing credit in a new country.
Visa and Mastercard dominate the market. American Express is accepted in cities and tourist areas but is rejected by many smaller shops due to higher merchant fees. If you are struggling with balances, these strategies to pay off credit card debt can help you avoid unnecessary interest charges. If you want a deeper understanding of how German banking and card systems work, this credit card guide for expats in Germany explains the differences between debit cards, charge cards and revolving credit cards.
The 7 Best Credit Cards in Germany:
1. TF Bank Mastercard Gold. Best Overall for New Expats
fee: €0 | Foreign transaction fee: 0% | Network: Mastercard
If you’ve recently moved to Germany and need a card fast, the TF Bank Mastercard Gold is the best option. Many newcomers consider the \TF Bank Mastercard Gold the best credit card in Germany for expats because of its zero foreign transaction fees.
2. Hanseatic Bank GenialCard. Best Credit Card in Germany:
Annual fee: €0 | Foreign transaction fee: 0% | Network: Visa
The GenialCard is one of Germany’s most popular revolving credit cards. Digital banks like N26 and Revolut are shaping the future of fintech across Europe.
3. Advanzia No-Fee Mastercard Gold. Best Credit Card in Germany:
Annual fee: €0 Foreign transaction fee: 0% | Network: Mastercard
This card is a favourite among budget-conscious travellers based in Germany.
• No annual fee, no foreign purchase fees
• travel and trip cancellation insurance
• Globally accepted Mastercard
• Up to 7 weeks interest-free on purchases
Best for: Frequent travellers who book flights and hotels regularly.
4. N26 Standard Mastercard. Best Credit Card in Germany:
fee: €0 | Foreign transaction fee: 0% | Network: Mastercard
N26 offers a debit Mastercard. Not a revolving credit card. For most expats, it functions like one.
• Open an account. Get a virtual card number in minutes
• Real-time spending notifications and instant card freezing
• No monthly fees on the Standard plan
• Premium plans add travel insurance and unlimited free ATM withdrawals abroad
Best for: Tech- expats who prefer mobile-first banking.
5. American Express Gold Germany. Best for Rewards, Best Credit Card in Germany
fee: €12/month | Foreign transaction fee: Varies | Network: Amex
If you spend heavily on dining, travel and hotels, the Amex Gold card rewards that behaviour.
• Strong Membership Rewards points programme
• hotel discounts and upgrades
• Travel and purchase protection
• Accepted at major retailers, airports and online stores across Germany
Best for: High spenders and frequent international travellers.
6. DKB Visa Credit Card. Best for Residents with a German Bank Account
fee: €0 | Foreign transaction fee: 0% | Network: Visa
The DKB Visa is tied to a DKB current account.
• Free worldwide cash withdrawals at any ATM
• No foreign currency surcharges
• Full online and mobile account management
• Requires a DKB current account
Best for: Long-term residents who already have a bank account.
7. Revolut Standard. Best -Currency Card
Annual fee: €0 | Foreign transaction fee: 0% | Network: Visa / Mastercard
Revolut is not a German bank, but it’s widely used by expats across Europe.
• Multi-currency wallet supporting 30+ currencies
• Interbank exchange rates on weekdays
• Instant spending notifications and disposable virtual cards
• Premium plans add exchanges, travel insurance and higher ATM limits
Best for: Expats receiving income in foreign currencies.
Quick Comparison: Best Credit Cards in Germany
Table: Cards compared by fee, foreign exchange fees, best use case and network.
| Card | Annual Fee | FX Fees | Best For | Network |
| TF Bank Mastercard Gold | €0 | None | New expats, travellers | Mastercard |
| Hanseatic GenialCard | €0 | None | Everyday spending | Visa |
| Advanzia No-Fee Gold | €0 | None (purchases) | Travel, free insurance | Mastercard |
| N26 Standard | €0 | None | Digital-first expats | Mastercard |
| Amex Gold Germany | €12/month | Varies | Rewards & premium perks | Amex |
How to Apply for a Credit Card in Germany as an Expat:
Applying is straightforward once you have the right documents ready.
• Anmeldung (registration certificate): Proof that you are registered at an address.
• German IBAN: A German bank account is required for cards.
• Valid ID or passport: EU citizens can use an ID card; others need a passport.
• Proof of income: A payslip or employment contract for revolving credit cards.
• Schufa consent: Germany’s credit bureau. New arrivals, with no Schufa history, can still qualify for cards.
3 Common Mistakes Expats Make With Credit Cards
* Assuming American Express works everywhere: It does not. A lot of supermarkets and local shops in Germany only accept EC cards, Visa or Mastercard. You should always carry a card.
* Not paying attention to the charge card model: If your credit card takes the balance every month, you need to make sure you have enough money in your account on the day it gets debited. If you do not have money, you will have to pay extra fees.
* Activating Dynamic Currency Conversion: When you are paying for something in a country, you should always choose to pay in the local currency, not in euros. If you choose euros, the bank of the merchant can charge you fees, up to 3% to 5%. Building better spending habits and learning how to save money fast can make managing credit cards in Germany much easier.
Asked Questions
Can a foreigner get a credit card in Germany without having a German bank account?
A: Most of the time, you need to have a bank account to get a credit card. However, TF Bank Mastercard Gold does not require you to have a bank account already, and it is one of the easiest options for people who are new to Germany. N26 opens a bank account. Gives you a credit card at the same time.
Is American Express widely accepted in Germany?
A: No, it is not. While American Express is accepted at hotels, airports and large stores, a lot of supermarkets and smaller shops in Germany do not accept it. Visa and Mastercard are the choices for everyday use in Germany.
What is the credit card in Germany for travel?
A: If you are looking for a credit card that’s free and good for travel, the TF Bank Mastercard Gold and Advanzia No-Fee Mastercard Gold are good options. They both include travel insurance. Do not charge you an annual fee. If you want a credit card with perks like access to lounges and better insurance, you might want to consider American Express Gold or an N26 premium plan.
Do German credit cards work in the USA, UK, Canada and Australia?
A: Yes, they do. Any Visa or Mastercard issued in Germany works in these countries. Almost everywhere else in the world. You just need to check if your credit card charges you fees for using it outside of Europe.
How long does it take to get a credit card in Germany?
A: If you get a credit card from a first provider like N26 or Revolut, you can get a virtual card number within minutes of being approved. If you get a credit card from TF Bank or another issuer, it usually arrives within 5 to 10 business days after you are approved.
Conclusion:
You should choose a credit card that fits your spending habits and make sure to pay your balance in full every month. This way, you will have time and money in Germany.
If you are not sure where to start, TF Bank Mastercard Gold and N26 Standard are. Free and easy to use, and they have English options, which is great for English-speaking people in Germany. You should choose a credit card that fits your spending habits and make sure to pay your balance in full every month.
