Help you choose the right credit card.
As you can see on our credit card portal, there is an abundance of credit card offers. We are often asked the following questions: Which credit card suits me? Which credit card is the best? To make your selection easier, we give you valuable tips and advice here.
Unfortunately, there is no single credit card that gives you all the cost and performance advantages at once. Therefore, it is necessary that you set priorities in your credit card selection. For example, you can save on fees or rely on extensive services such as insurance, bonus programs or services. Unfortunately, everything does not work together.
1) You don’t want to pay an annual fee for a credit card?
If you want to save on the annual fee right away, our free credit cards are the first point of contact for you. Depending on whether you want additional free cash withdrawals or want to keep the international fee as low as possible, you have quickly found the right credit card. In particular, we can recommend the Charge-Card variant, which you usually receive in combination with a (free) current account.
2) You don’t want to pay cash fees worldwide?
We recommend that anyone wishing to withdraw cash from ATMs by credit card pay close attention to the cash charges. There are meanwhile also credit cards with which you can withdraw cash free of charge. With some cards, this is possible in the entire USD zone. With the Visa credit card, it is possible to withdraw cash worldwide from ATMs free of charge (domestically and abroad, regardless of which ATM with Visa acceptance).
3) Do you want to pay primarily cashless and save fees?
In general: In Germany as well as in USDpean countries with the USD currency, there are no separate fees for credit card payments! It doesn’t matter which credit card you use! The only exception: the retailer “passes on” his card transaction fee to customers. However, retailers rarely do this.
If, on the other hand, you buy and pay with a credit card in a non-USDpean country, you will have to pay the foreign fee, which is actually a foreign currency fee. This also applies if you order in a foreign currency over the Internet. For this reason, we will show you credit cards for which the international transaction fee is particularly cheap, since you can shop free of charge in the USD area anyway. In our large credit card comparison you will find all credit cards with the corresponding fee information.
Credit cards with cheap foreign exchange fees
4) Do you have a bad credit rating or negative credit rating?
In the event of poor schufa, unemployment, Hartz4 or affidavit under the foreclosure (disclosure oath), each bank will normally refuse to apply for a real credit card. However, there is still the possibility to apply for a prepaid credit card. Find out what you can understand by this and why such credit cards are without a Schufa query here.
More information about prepaid credit cards without Schufa
5) Do you need a credit card with a real credit line and installments?
If you are looking for a credit card where you do not have to pay the full amount every month – you only need to pay a small installment – then you have to take a closer look at the Revolving credit cards. With such a card, you no longer need to pay the total amount of all credit card sales incurred in a month, but often only 5% of it or at least 25 USD. Please note that you should not overdo it too much, because debit interest will be charged for the remaining debt. Here you will find revolving credit cards with real credit lines
6) Do you want a credit card with discounts and bonus programs?
Of course, there are also credit cards where you can participate in certain bonus programs or receive discounts from certain partners. It is also possible to get a cash back immediately after each credit card payment.
8) Do you want to have insurance benefits integrated?
With credit cards, insurance is occasionally offered, which is an integral part of the credit card contract. As long as you have the credit card, the insurance also applies. Our large overview shows you which cards are possible and which credit cards are suitable.
7) Do you have completely different ideas?
Of course we are at your side with our email support free of charge. You can leave us a request here around the clock, which we will usually answer within 24 hours. Send your request now – 24 hours a day, 7 days a week