Free Credit Cards in Germany (13+ Options)

Are you looking for free credit cards in Germany? You’re in the right place! Many people in Germany want to know how they can get a credit card without paying any fees. This page will help you find the best free credit cards in Germany.

Why Choose Free Credit Cards in Germany?

Free credit cards offer many benefits. Firstly, you don’t have to pay an annual fee. This saves you money. Secondly, these cards often come with rewards. You can earn points or cash back on your purchases.

Lastly, having a credit card can help you manage your finances better. It’s easier to track your spending and plan your budget.

Top Free Credit Cards in Germany

  • 0€ annual fees!
  • Worldwide acceptance
  • Travel insurance included
  • Cash withdrawals possible
  • Flexible repayment options
  • No foreign transaction fees
  • Free credit for up to 7 weeks
  • Offer travel insurances
  • Hotline Mo-Fri, 8:00-22:00
  • 0€ annual fee!
  • 0€ withdrawal fee abroad
  • Cash withdrawals possible
  • Flexible repayment options
  • 0€ foreign currency fee
  • Repayment from the bank
  • Flexible repayment from 3%
  • Withdrawal in abroad free, in Germany fee €3.95
  • No annual fees!
  • Free payments in foreign currencies
  • Cash withdrawals possible
  • Flexible repayment options
  • No foreign transaction fees
  • Cashback offers
  • Interest-free repayment within 51 days
  • Free travel insurances
  • Withdrawals subject to interest
  • 0€ annual fees!
  • Up to 90 days interest-free credit
  • Free cash withdrawals over €300
  • Online and mobile app management
  • No foreign transaction fees
  • Compatible with Apple Pay and Google Pay
  • High interest rates after 90 days
  • 0€ annual fees!
  • Earn 1 point for every €3 spent anywhere
  • 1,000 extra points starting bonus
  • Earn double points for purchases at partner stores
  • 2% foreign currency fees
  • 4% cash withdrawal fees
  • No annual fees!
  • Cashback on all payments
  • Google and Apple Pay support
  • Free cash withdrawals (limits apply)
  • Free virtual card
  • Requires a C24 bank account
  • No credit limit, debit only
  • Worldwide fee-free withdrawals
  • No foreign currency fees
  • Credit account included
  • Apple & Google Pay support
  • Emergency cash service
  • Optional insurance packages
  • DKB advantage program
  • Visa Debit Card is free Credit Card has annual fees
  • Requires a DKB bank account
  • No foreign transaction fees
  • Cashback on public transport
  • Digital finance management
  • Apple and Google Pay support
  • CO2 offsetting by planting trees
  • Cashback offers
  • Limited customer service
  • High cash withdrawal fees
  • Monthly fees apply
  • Requires Bunq account
  • No annual fee
  • No foreign transaction fees
  • Flexible rewards options
  • Free ATM withdrawals
  • Optional dental insurance
  • Up to 10,000€ credit limits
  • Low everyday cashback rate
  • High-interest rates
  • 50€ bonus for application and usage
  • 0% interest, with monthly billing
  • Free payments worldwide
  • No foreign transaction fees
  • Apple Pay and Google Pay
  • Includes a savings account with 3.5% interest
  • 1.90€ – 9.90€ monthly fee (except for ‘Aktivkunde bei Girokonto aktiv’)
  • Real credit card included only with paid account models (Extra & Plus)
  • Easy online account setup
  • Free ATM withdrawals in Euros
  • Real-time spending notifications
  • Budgeting tools with sub-accounts​
  • User-friendly mobile app
  • No physical branches available
  • Limited free withdrawals abroad​
  • Annual fee permanently 0€
  • 0% foreign operational fee
  • Pay cash free of charge worldwide
  • Cash withdrawals possible
  • Free travel insurance
  • Compensation by direct debit or transfer
  • Apple Pay & Google Pay
  • Real golden credit card with disposal framework
  • 1.75% foreign currency fee
  • Worldwide free cash withdrawals
  • Comprehensive travel insurance
  • Smartphone protection plan
  • Emergency assistance worldwide
  • Visa Luxury Hotel Collection benefits
  • Contactless payment options
  • Free travel insurances
  • Foreign transaction fees
  • High-interest rates
  • 0€ annual fees
  • No issuing fee
  • Interest-free purchases within 7 weeks
  • Flexible repayment options
  • Banking app in English
  • 5% cashback on travel bookings
  • 2.99% foreign currency fee
  • 3% cash withdrawal fee

How to Get Free Credit Cards in Germany

When it comes to getting a free credit card in Germany you don’t need to think much. It is really very simple. However, you have to follow some steps. Such as:

  • Research
  • Compare
  • Apply
  • Activate

Let’s explain these steps one by one now.

Research

Before you get one credit card in Germany you should do some research. Since there are many things involved in having a credit card in Germany, that’s why you should look for banks or companies that offer free credit cards. Many banks in Germany provide this option.

Compare

Not only research but also you should do compare the credit card options in Germany. Because every company has its pros and cons. That’s why check the features of different cards. Look at the interest rates, rewards, and any additional benefits.

Apply

Thirdly, you have to apply for a credit card in Germany. Once you find the best card for you, fill out the application form. You can often do this online. On the other hand, if you would like to take a credit card from your existing bank account, contact them.

Activate

The very last part of having a free credit card in Germany is the card activation. After approval, you will receive a card from your credit card provider. In this stage, activate your card and start using it.

Benefits of Using Free Credit Cards in Germany

Generally, using a free credit card comes with many benefits. Specifically, if you can use it wisely.

  1. Security: Protection against fraud and easy tracking of expenses.
  2. No Annual Fees: Save money every year.
  3. Rewards: Earn points, cash back, or miles.
  4. Convenience: Easy to use for online and in-store shopping.

Best of the Best Credit Cards in Germany

If you ask us which are the best credit cards in Germany, we will give you a shortlist. Since we have thoroughly researched this, we can give you a quick list. You can choose one of them without any doubt.

Here is the list of the Best Credit Cards in Germany. These all are 100% free and no annual fees!

Free Credit Cards are True Friends in Germany

Overall, in Germany, free credit cards are not just about avoiding annual fees. They’re about gaining access to financial tools that empower you to make smarter choices with your money.

Imagine enjoying rewards like cashback on every purchase, travel insurance that keeps you covered on your adventures, and zero foreign transaction fees so you can shop abroad without worry.

These benefits are more than just perks—they’re your gateway to a more financially secure and rewarding lifestyle. If you are a student and want a free credit card in Germany, we believe this content will certainly help you.

Take Control of Your Finances Today!

So, why do you wait? The right free credit card in Germany can help you save money, earn rewards, and manage your finances with ease. Explore your options now, and take the first step towards a more financially secure future.

Exploring Exclusive Free Credit Cards in Germany

Unlike the generic options you’ll find elsewhere, our selection of free credit cards is tailored to offer you unbeatable value without any sneaky fees. Whether you’re a student, a migrant in Germany, a frequent traveler, a savvy shopper, or just looking to manage your finances more efficiently, there’s a perfect free credit card waiting for you. Get one from our list.

Free Credit Cards in Germany FAQs

What are the best free credit cards in Germany?

The best free credit cards in Germany include the Gebührenfrei MasterCard Gold, DKB Visa Card, American Express PAYBACK, TFBank MasterCard GOLD, awa7 Visa Credit Card etc. Each offers unique benefits like no annual fees and rewards.

How can I apply for a free credit card in Germany?

Firstly, to apply, research different cards, compare their features, and fill out an application form online. After approval, activate your card and start using it.

Are there any hidden fees with free credit cards in Germany?

Generally, there are no hidden fees, but it’s important to read the terms and conditions of each card. Some cards may have fees for foreign transactions or cash advances.

Final Thoughts about Free Credit Cards in Germany

Finding and using free credit cards in Germany is easy. They save you money and offer many benefits. Start by researching the best cards, comparing their features, and applying for the one that suits you best.