Best Card Guide
of 2025

Selecting the Best Credit Cards in Germany

When choosing a new credit card, consider these key factors:

Annual Fee

While a free credit card may seem appealing, it often comes with hidden charges, such as high-interest rates or fees for foreign transactions. Some issuers also impose spending thresholds. Be sure to thoroughly review the terms and conditions before committing to any “free” credit card.

Interest on Overdrafts and Debits

Overdraft and debit interest are relevant primarily for credit or charge cards. These charges apply when cardholders use installment payment options, paying off only part of the balance each month. The remaining amount accrues interest, which can add up significantly over time.

Withdrawal Fees in Germany

Using your Girocard for ATM withdrawals can be costly, particularly abroad. Many people prefer credit cards for such transactions. Withdrawal fees are determined by the credit card provider, so comparing fees is essential.

Withdrawal Fees Abroad

Foreign currency transaction fees apply whenever purchases are made in a non-Euro currency, whether online, at an ATM, or in stores. These fees vary between providers, with some offering no foreign transaction fees (e.g., TF Bank). For frequent travelers or those with a second residence outside the Eurozone, such features are invaluable, even if the card has an annual fee.

Additional Services

Credit cards often include extra perks like travel insurance. However, these benefits typically cover situations not already addressed by existing policies (e.g., liability or accident insurance). Be aware that such coverage might not fully protect you in all emergencies.

How to Apply for a Credit Card Online?

Applying for a credit card online is usually fast and straightforward. To qualify, you’ll generally need:

• To be of legal age
• A stable, regular income
• A strong credit score and a clean Schufa report

Once these criteria are met, you can apply by completing an online form on the issuer’s website. Applications are reviewed promptly, and if approved, the credit card is typically delivered by mail within one to two weeks.

Tip: TF Bank offers a free credit card that arrives within just two working days.

Credit Cards with Limits of €1,000–€5,000

If you’re considering a credit card with a limit between €1,000 and €5,000, keep the following in mind:

Ensure your income can support this credit line.
Maintain a solid credit history and clean Schufa report for smooth usage.
Review the card’s fees, interest rates, and any additional services offered.

Tip: The TF Bank credit card ranks highly in tests for offering generous limits to individuals with good credit scores.

What Is the Best Credit Card?

The TF Bank Mastercard Gold has been recognized as one of the best credit cards in recent evaluations. Key benefits include:

• Free cash withdrawals domestically and internationally
• A flexible rewards program
• A comprehensive insurance package

This combination of features makes it an attractive choice for many customers.