Credit card comparison

Find the ideal credit card for your needs with our comprehensive credit card comparison

Our user-friendly comparison tool can help you

Explore a variety of options, from cash back cards to travel credit cards to low-fee cards, and choose the perfect card to fit your lifestyle and financial goals.

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General information on the topic of “credit card comparison”

Free money withdrawals worldwide, an uncomplicated and quick application process for the credit card, attractive interest rates and low fees when used at home and abroad characterize high-quality credit card offers. However, such general characteristics are not always equally relevant for every credit card user. For example, if your main focus is using your credit card abroad, domestic fees might be secondary to you. In such a case, aspects such as comprehensive international travel health insurance and low fees for foreign assignments become more important.

How can I use a credit card?

A credit card is a payment instrument that enables cashless transactions. Similar to debit cards, credit cards can be used for both online purchases and in physical stores, provided they are accepted as a payment method. If cash is still required, a credit card also allows you to withdraw cash from ATMs.

What financial services do banks offer their customers?

In Germany there is an impressive variety of over 1,000 different credit cards, each of which offers its own conditions and special additional services. The main differences between the credit cards lie in the issuing institution and the way in which outstanding amounts are paid:

Credit Card (Revolving Card): This type of credit card provides a classic credit line. Consumers have the option of repaying the loans they have taken out in installments using an installment payment function – of course with interest being taken into account.

Debit Card: Debit cards are usually linked to a checking account from which the expenses incurred are debited shortly after the transaction, similar to a debit card. They do not offer a separate credit limit and are therefore particularly suitable for young people and those who want to pay conveniently online without exceeding their budget. However, caution is advised: the debit card can use the overdraft of the current account, if available, which is often associated with high interest rates. If you are planning larger expenses that exceed your current account balance, you might be better off with a classic credit card.

Charge Card: A charge card allows you to use a credit line, but without the option of paying in installments. Instead, a total invoice is created every month, which the customer must pay in full. This means that there are no debited interest charges when using the charge card’s credit limit.

Prepaid Card: Prepaid credit cards can only be used after they have been topped up with credit. Payments are then deducted from this credit until it is used up. The card must then be reloaded again. You cannot take out a loan with this card. Prepaid credit cards are sometimes also available without a Schufa query and are therefore particularly suitable for people who want to keep a close eye on their finances or do not want to exceed a set budget.

The advantages of a credit card

Interest-free flexibility dream

Charge and revolving cards open the door to a flexible, interest-free small loan. Take advantage of the freedom to use money up to the monthly billing date without any interest charges. With a charge card, you pay back the entire amount at the end of the billing period - without any interest. With revolving cards with an installment payment function, you have the choice to spread your expenses over a longer period of time, although interest may accrue depending on the conditions.

Global Acceptance: A Ticket to the World

Credit cards are the ideal companion for globetrotters, whether for business or pleasure. Thanks to the worldwide acceptance of providers such as VISA and MasterCard, you can find millions of acceptance points and ATMs all over the world.

Limitless cash and fee-free payments

It's not just the global acceptance that's convincing - some credit card providers even waive fees for cash withdrawals and card payments abroad. This makes credit cards the ideal travel companion.

Contactless payment: fast, secure, modern

Most credit cards allow you to make fast, secure contactless payments using the NFC chip. Credit cards are also often required for smartphone payment systems such as Apple Pay or Google Pay. This makes online shopping and paying at the checkout child's play.

Hassle-free hotel and rental car bookings

Abroad, many hotels and car rental companies primarily accept credit cards for bookings. They offer the possibility of paying a deposit to cover any damages - an essential advantage to enjoy your holiday worry-free.

Your financial savior in times of need

For travel lovers traveling abroad, credit card is a real savior in emergency situations. It enables quick withdrawals of money, even if your checking account has already been exhausted. It is an indispensable tool, especially in countries where medical or hospital costs skyrocket.