How to open a German bank account
A simple step-by-step guide on how to open a bank account in Germany. Open an online Germany bank account and documents required to open a German Bank account
Read MoreFree Credit Cards in Germany
Why get a free credit card in Germany
Looking for a Free Credit card in Germany? Free credit cards offer freedom, flexibility and independence. You can save yourself annual fees and still get a good credit card which fulfills all your needs. Some of the credit cards provided with a checking account are also free. However, this article focuses on the independent credit card providers which provide free credit cards in Germany. Free may not mean that it does not have any charges, it only means that the credit card has no annual maintenance fees. Some credit cards may charge for extra service, while some free credit cards may not.
Mastercard Gold
- Provided by Advanzia Bank
- Free foreign usage without any transaction charges
- Upto 7 Weeks Interest free period
- Free Travel Insurance
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New Visa Card
- Provided by Barclays
- Free foreign usage without any transaction charges
- Upto 2 months Interest free period
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Genialcard
- Provided by Hanseatic Bank
- Instant Online Approval – No waiting for result
- Transfer money to Checking Account
- Upto 6 Weeks Interest free period
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Sunny Card
- Provided by Santander bank
- 0% interest for the first 6 months
- Low interest Rate 10.90% APR
- 5 % cashback on travel bookings
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PayVIP Mastercard Gold
- Provided by Advanzia Bank
- Free foreign usage without any transaction charges
- Upto 7 Weeks Interest free period
- Free Travel Insurance
- €10 Amazon gift voucher
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CardNMore Credit Card
- loyalty card from the supermarket chain Netto
- Maestro card and also as a credit card Mastercard
- € 20 starting balance and 1,000 starting points
- 0% interest for up to 2 months
- Up to two partner cards for free
- Apply for cardNmore Credit card
Cool!! I’ve been meaning to sign up for a MasterCard, and this has all the info I need. Do you know if it affects negatively on my SHUFA if I sign up for the MC while already having 2 Visas?
SCHUFA records all the financial information and the number of cards along with the credit limits. So applying for a credit card will reflect on the record and to some extend affect your score. This is irrespective of VISA or MC. The more important thing however is the credit limit on those earlier cards. If those VISA cards were issued along with a checking account with a nominal €100, being primarily used as a prepaid card, then applying for a new credit card with a higher limit will not affect so much. On the other hand, if you had applied for those VISA cards recently, then do not apply for another card immediately, it may be refused and also may affect your score.
Thanks again for all the info!! I have recently applied for 2 new VISA cards (and closed my DB MC). So I’m going to take your advice and wait before I apply for the Advanzia MC. It’s too bad I visited your site *after* I booked my travel.
What an amazing website for people who are just settling in Germany, are not fluent in German, and are used to fee-free credit cards in the US.
Thanks, it was the exact reason I started this website since I could not get the information I wanted when I first came here.
I just got my Master Card Gold from Advanzia Bank as is reported on your website. It took about a week for them to send me the card, and another week to get it activated and get my pin. This is an annual fee free card. If you have a permanent address in Germany, it looks like they will approve a credit card even if you don’t have a credit history though, with a lower credit limit. When I checked, they mentioned that credit limit will be increased in a few months depending on the payment history. I will report the progress later.
Update: This card has been very useful so far. I have been consistently settling bills in full. As a result, they have increased my credit limit significantly from an initial EUR 600/-. No complains up to now.
if anybody get schufa how can get credit card
Dear Admin,
Based on these expose, which of the cards do you think is the best´?
darajaf42 @gmail.com
I have recently found out that there is another credit card issued by the same bank (Advanzia Bank) that issues the Gebührenfrei Mastercard
It’s called Drivango and comes with exactly the same features as the Gebührenfrei card. The only difference is, that your monthly credit card bill is deducted automatically from your bank account which is a great advantage in my eyes, because you won’t forget to pay.
Thanks for the nice overview!
I can definitely recommend the Mastercard Gold from Advanzia. Have been using it for nearly eight years now and it has saved me a lot of money during travels.
Bună ziua! Am nevoie de un credit de 1500 euro. Cum as putea să-l obțin? Va rog sa ma ajutati cu un sfat!
In addition to the above mentioned credit cards I can also recommend the Santander 1plus VISA card. No foreign exchange fees, free of charge cash withdrawal und 1% discount on fuel.