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Types of Credit Cards in Germany
Classic Credit Cards
Premium Credit Cards
Cashback Cards
Important for Expats:
German credit cards work differently than in other countries. They're mainly used for online shopping, travel, and emergencies. For daily purchases, Germans typically use debit cards (EC-Karte) or cash. Many credit cards in Germany are actually charge cards - the full balance must be paid monthly.
Credit Card Benefits
Worldwide Acceptance
Use your card anywhere Visa or Mastercard is accepted globally
Online Shopping Security
Enhanced fraud protection for online purchases
Travel Insurance
Complimentary travel and rental car insurance coverage
Emergency Cash
Cash advances available worldwide in case of emergency
Rewards Programs
Earn points, miles, or cashback on your purchases
Purchase Protection
Extended warranty and damage protection for purchases
Airport Lounges
Access to airport lounges worldwide (premium cards)
No Foreign Transaction Fees
Many cards offer fee-free international spending
How to Get a Credit Card in Germany
Compare Cards
Use our tool to compare features, fees, and rewards
Apply Online
Complete the secure online application form
Credit Check
Bank performs SCHUFA credit check and approves application
📋 Typical Requirements:
- • Age 18+ (some cards require 21+)
- • German address and bank account
- • Regular income (employment or pension)
- • Positive SCHUFA credit score
- • Valid German residence permit (non-EU)
- • Proof of income (last 3 payslips)
- • ID card or passport
- • No outstanding debts or bankruptcies
Credit Card FAQ
What's the difference between a credit card and EC-Karte?
An EC-Karte (debit card) directly debits money from your bank account and is used for daily purchases. A credit card allows you to borrow money up to a credit limit and pay it back later, typically monthly.
Do German credit cards work like international ones?
Not exactly. Many German "credit cards" are actually charge cards where you must pay the full balance monthly. True revolving credit cards (where you can carry a balance and pay interest) are less common but available.
Can I get a credit card as a foreigner?
Yes, but you'll need a German address, bank account, and regular income. EU citizens have an easier process. Non-EU citizens may need to wait 6-12 months after arrival to build a SCHUFA credit history.
What is SCHUFA and how does it affect my application?
SCHUFA is Germany's main credit bureau. Banks check your SCHUFA score before approving credit cards. New residents start with no score, which improves over time with responsible financial behavior.
Are there prepaid credit cards available?
Yes, prepaid credit cards are a good option for people with poor credit or new residents. You load money onto the card and can only spend what you've deposited. They work worldwide like regular credit cards.
What fees should I watch out for?
Watch for: annual fees, foreign transaction fees, ATM withdrawal fees, late payment fees, over-limit fees, and cash advance fees. Many cards waive annual fees for the first year.
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Quality Rewards
Earn up to 2% cashback, points, or miles on every purchase
Worldwide
Accepted everywhere you travel - No foreign transaction fees