Updated October 18, 2026 · DebitCue Editorial Team

Top rewards cards compared in Germany

40 cards available in Germany, ranked for Germany.

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Top rewards cards compared in Germany
#	Card	Score	Features	Key facts	Actions
1	InstaremTop pick Special FX rate + zero fees on first transfer EUR 1 to EUR 2,000	9.1/10	No annual fee	Rewards rate: 0.5 InstaPoints per SGD spent Annual fee: SGD 0 Currency conversion fee: 0%	Review Compare Visit
2	Revolut	9.2/10	No annual fee Multi currency Virtual card	Rewards rate: 1.5 points per EUR1 Annual fee: €0 APR: 13.34% to 17.99%	Review Compare Visit
3	Union Pay International	9.6/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
4	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	Rewards rate: A percentage of Eligible Savings on reward-eligible bookings, percentage determined by Search Rank Annual fee: $0 Rewards type: Points	Review Compare See alternatives
5	Uni5Pay+ by Scombank	9.4/10		Currency conversion fee: 0% Rewards type: Points Perks: Overseas spending settled in RMB at the market exchange rate, no need to buy foreign currency, No fee when paying at merchants abroad, Relatively low overseas ATM withdrawal fees, and 1 more	Review Compare See alternatives
6	AffinityPlus Credit Union Amazing Rewards - Visa Premier Select Rewards: Introductory 2.90% APR for 12 months on purchases and external transfers	9.3/10	No annual fee	Rewards rate: MyPlus Rewards points Annual fee: $0 APR: 14.65% to 18%	Review Compare See alternatives
7	Miles & More Kreditkarte Miles & More Gold Credit Card welcome bonus: 4,000 miles and 40 points	9.3/10	No annual fee	Rewards rate: 1 mile per 2 EUR of card turnover Annual fee: €0 Rewards type: Miles	Review Compare See alternatives
8	CIBC Caribbean	9.0/10	No annual fee	Rewards rate: 1 point per USD 1 spent Annual fee: $0 Currency conversion fee: 2.5%	Review Compare See alternatives
9	Luxury Card	8.9/10		Rewards rate: 2X points on airfare and hotels Annual fee: $299 APR: 19.49% to 27.49%	Review Compare See alternatives
10	K Bank	8.8/10	No annual fee	Rewards rate: 1% K Bank Point on all purchases Annual fee: ₩0 Currency conversion fee: 1.35%	Review Compare See alternatives

Licensed in Germany

Miles & More Kreditkarte: European Central Bank (EZB)
Miles & More Kreditkarte: Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
Miles & More Kreditkarte: IHK Frankfurt am Main (Versicherungsvermittlerregister)
Deutsche Bank: Federal Financial Supervisory Authority (BaFin)
Deutsche Bank: Federal Financial Supervisory Authority (BaFin)

Other rankings

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Other countries

Instarem

Top pick for Germany

9.1/10Visit