Updated October 17, 2026 · DebitCue Editorial Team

Top business credit cards compared in Germany

45 cards available in Germany, ranked for Germany.

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Top business credit cards compared in Germany
#	Card	Score	Features	Key facts	Actions
1	Kontist by ShineTop pick sevdesk: 60% off your accounting software: 60% discount	9.1/10	No annual fee Virtual card	Annual fee: €0 Currency conversion fee: 2% Rewards type: None	Review Compare Visit
2	Fyrst	8.9/10	No annual fee Multi currency	Annual fee: €0 Currency conversion fee: 1.85% Rewards type: None	Review Compare Visit
3	Navan Navan Expense free for the first 5 monthly expensing users on Navan Business: Free for the first 5 users, then $15 per user per month	9.4/10	No annual fee	Annual fee: $0 Rewards type: Points Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank	Review Compare See alternatives
4	EQIBank	9.0/10	Multi currency Virtual card	Currency conversion fee: 1% Perks: No spending limits, spend up to the amount deposited on the card, Accepted in over 44 million locations worldwide, 24/7 customer support, and 6 more Card kind: Credit	Review Compare See alternatives
5	myPOS myPOS Flex price reduced from GBP 59 to GBP 49 excl. VAT	9.0/10	No annual fee Multi currency Virtual card	Annual fee: £0 Rewards type: Cashback Rewards rate: 0.1% cashback on all eligible transactions; 10% cashback in the myPOS Online Shop	Review Compare See alternatives
6	Eversend	8.9/10	Multi currency Crypto Virtual card	Currency conversion fee: 0.9% Rewards type: None Founded: 2017	Review Compare See alternatives
7	Moss	8.9/10	No annual fee Virtual card	Annual fee: €0 Card kind: Credit Legal entity: Moss GmbH	Review Compare See alternatives
8	Paysera	8.9/10	Multi currency Virtual card	Rewards type: None Card kind: Credit Legal entity: "Paysera LT", UAB	Review Compare See alternatives
9	Qred FI	8.9/10	No annual fee Virtual card	Annual fee: €0 Currency conversion fee: 2% Rewards type: None	Review Compare See alternatives
10	Brex	8.8/10	No annual fee Multi currency	Annual fee: $0 Currency conversion fee: 3% Card kind: Charge	Review Compare See alternatives

Licensed in Germany

Kontist by Shine: BaFin and European Central Bank - licence held by banking partner Solaris SE, which holds and manages the German IBAN accounts; Kontist itself states it holds no banking licence
Moss: BaFin
Moss: DE_BAFIN
Moss: BaFin
Moss: DE_BAFIN
Nexi: DE_BAFIN
helden.de: Versicherungsvermittlerregister (Handelskammer Hamburg), authorisation under Sec. 34d(1) GewO

Other rankings

Top business credit cards compared: worldwide ranking

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Other countries

Kontist by Shine

Top pick for Germany

9.1/10Visit