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Updated October 17, 2026 · DebitCue Editorial Team

Top credit cards compared in Germany

529 cards available in Germany, ranked for Germany.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. How we rank

Top credit cards compared in Germany
#CardScoreFeaturesKey factsActions
1
DKB logo
DKBTop pick

25 Euro Bonus Kinderkonto and Tagesgeld: 25 EUR

8.5/10
    Annual fee:
    €29.88
    Rewards type:
    None
    Perks:
    3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, and 2 more
    		ReviewCompareVisit
    2
    DKB (Deutsche Kreditbank) logo
    DKB (Deutsche Kreditbank)

    Welcome bonus for new credit card holders: €30

    		8.5/10
      Annual fee:
      €29.88
      Rewards type:
      None
      Perks:
      3 free digital newspapers/magazines monthly via Digital Kiosk, Emergency card and emergency cash if lost abroad, Visa Secure authentication for online purchases, and 2 more
      		ReviewCompareVisit
      3
      Kontist by Shine logo
      Kontist by Shine

      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
      		ReviewCompareVisit
      4
      bunq logo
      bunq
      		9.0/10
      • No annual fee
      • Multi currency
      • Crypto
      • Virtual card
      Annual fee:
      €0
      Currency conversion fee:
      0.5% to 3%
      Card kind:
      Credit
      		ReviewCompareVisit
      5
      Fyrst logo
      Fyrst
      		8.9/10
      • No annual fee
      • Multi currency
      Annual fee:
      €0
      Currency conversion fee:
      1.85%
      Rewards type:
      None
      		ReviewCompareVisit
      6
      American Express DE logo
      American Express DE

      American Express Germany presents its credit cards at amex-kreditkarten.de for customers in Germany.

      		8.0/10
        		ReviewCompareVisit
        7
        Nexo logo
        Nexo
        		8.9/10
        • No annual fee
        • Multi currency
        • Crypto
        • Virtual card
        Annual fee:
        €0
        APR:
        from 1.9%
        Currency conversion fee:
        0.2% to 2.5%
        		ReviewCompareVisit
        8
        Airwallex logo
        Airwallex
        		9.0/10
        • Multi currency
        • Virtual card
        Currency conversion fee:
        0.5%
        Legal entity:
        Airwallex (Singapore) Pte. Ltd.
        Headquarters:
        Singapore
        		ReviewCompareVisit
        9
        Revolut logo
        Revolut
        		9.2/10
        • No annual fee
        • Multi currency
        • Virtual card
        Annual fee:
        €0
        APR:
        13.34% to 17.99%
        Currency conversion fee:
        0% to 2%
        		ReviewCompareVisit
        10
        Berliner Volksbank logo
        Berliner Volksbank
        		9.7/10
          Legal entity:
          Berliner Volksbank eG
          Headquarters:
          Germany
          Founded:
          1946
          		ReviewCompareSee alternatives

          Licensed in Germany

          DKB
          Bundesanstalt fur Finanzdienstleistungsaufsicht
          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
          Hanseatic Bank
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Hanseatic Bank
          Europäische Zentralbank (ECB)
          Miles & More Kreditkarte
          European Central Bank (EZB)
          Miles & More Kreditkarte
          Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
          Miles & More Kreditkarte
          IHK Frankfurt am Main (Versicherungsvermittlerregister)
          Consors Finanz
          Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
          Consors Finanz
          Europäische Zentralbank (ECB)
          Moss
          BaFin
          Moss
          DE_BAFIN
          Moss
          BaFin
          Moss
          DE_BAFIN
          Nexi
          DE_BAFIN
          PayCenter
          DE_BAFIN
          helden.de
          Versicherungsvermittlerregister (Handelskammer Hamburg), authorisation under Sec. 34d(1) GewO

          Other rankings

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          Other countries

          DKB

          DKB

          Top pick for Germany

          8.5/10Visit