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Credit card comparison: find the best credit card

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  • More than 50 credit cards in comparison
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Find cheap credit cards in comparison

If you are looking for the right credit card, you have many options that do not necessarily entail high costs: Im Credit card comparison of the independent consumer portal Verivox, you can also find Visa and MasterCard as free credit cards. You can the Costs and additional services of various cards Compare comprehensively and find the right offer for your needs. Choose exactly what your credit card should offer: for example waiver of the basic fee, free withdrawals of cash worldwide, bonus programs such as cashback, fuel discount or travel discount, various insurance policies and more.

  1. Cheap credit card in comparison
  2. What is a credit card?
  3. Credit card fees
  4. Credit card providers
  5. Credit card types
  6. Correct use of credit cards
  7. Application and termination
  8. frequently asked Questions

This is how the credit card comparison works


Select your desired card system in the calculator and click on "Compare now".



In the filter settings, for example, specify whether the credit card should be free of charge or whether you want to apply for a card without a current account.



You will find the product details under each displayed card. Once you have decided on a credit card, you can apply for it easily and conveniently online.

Start comparison

The best credit card provider

Most banks make a credit card expensive to pay for. Fees from 40 or 50 euros a year are not uncommon. Withdrawing money and paying abroad usually costs extra. It doesn't have to be. With our credit card comparison you can find a credit card for which you are a few clicks away pay nothing at all.

Barclaycard Visa and cards from the Hanseatic Bank are free of charge and particularly popular with Verivox. The Top 5 credit cardsWhich Verivox customers have chosen can be found in the following graphic:

Besides the winners Visa and MasterCard are mainly the credit cards from American Express common. Visa and MasterCard are issued by banks - mostly as Classic or Gold cards with a current account. American Express and the lesser-known card company Diners Club, on the other hand, issue their cards directly.

What is a credit card?

Since their introduction in New York in the 1950s, credit cards have become one worldwide accepted means of payment developed - now even as a prepaid card. In Germany they are mostly used to pay for hotels, flights and rental cars, to withdraw cash abroad or to pay online. In the USA, on the other hand, it is cashless payment almost all purchases possible with the credit card - even if it is very small amounts acts.

Cardholders can contact the Acceptance pointswho show the logo of their credit card company (Visa, Mastercard or American Express), pay cashless or withdraw money.

Visually, credit cards are very similar to girocards (EC cards), but the credit card number is clearly noticeable on the card. Only prepaid cards are not used by all providers Embossing issued. The credit card number is required in addition to the name and signature of the cardholder for payment and by the Check number supplemented, which is queried especially when shopping on the Internet.

Credit cards with NFC function are optically marked with a Radio waves icon excellent. They enable customers contactless payment.

How do credit cards work?

When customers pay with a classic credit card, the money does not come directly from their checking account, but from the credit card company. Only with the monthly credit card statement the customer debits the outstanding amount from the customer's account - all at once for a charge card and in installments for cards with partial payment. When using a debit or prepaid card, however, cardholders pay immediately with the Money in the linked checking account or with the loaded credit.

When is the credit card billing done?

Typical credit cards are billed monthly at one time fixed reference date. Depending on the provider, the outstanding amount can be paid off in one sum (charge card) or in installments (card with partial payment function). Credit cards usually have one specially designed for this own card accountwhich is linked to the current account.

Credit card fees

For the use of the card are often Annual fees raised. How high these turn out to be different depending on the provider and the status of the credit card - Classic, gold or platinum. Gold and platinum cards usually have a higher annual fee and offer more in return free additional services as Classic cards.

Instead of a flat annual fee, some issuers charge a one-off fee for the Card issuanceto calculate others sales-dependent costs. Some publishers waive the annual fee - either for the first year or permanently - or even offer credit cards Credit interest at. However, many free credit cards incur fees for withdrawing cash or using them abroad. Any annual fee can result in benefits such as international health insurance or a fuel discount, especially for frequent users relativize.

Additional costs in Germany

Pay attention to the following so as not to overlook any costs:

  • Some providers do not automatically deduct the loan amount from the checking account. The cardholder has to transfer it every time, which is with missed payment deadline Charges.
  • For cards with a partial payment function, banks can use a annual percentage rate raise, which is many times higher than current installment loan rates. It can be worthwhile for cardholders to adjust the card settings so that the entire outstanding amount is paid at the end of the month and not just a partial amount.
  • With some credit cards, the basic fee is only waived if certain Minimum sales are achieved.

Costs abroad

The comparison shows which credit cards free payments and free cash withdrawals only possible domestically, only in the euro zone or worldwide, also in foreign currency. In addition, machine operators abroad can charge additional fees. Caution: some cards allow you to withdraw cash free of charge worldwide in a foreign currency, but not in Germany. Cardholders should then use their Girocard at German ATMs.

The credit card provider

Credit cards are offered by credit card companies, for example Mastercard, Visa Card, American Express, Diners Club or JCB. Mastercard, Visa and JCB sell their cards about partners (Credit card issuer or issuer). American Express and Diners Club give them away directly and are therefore both provider and issuer.

Diners Club was the world's first credit card company, soon followed by American Express. Both quickly expanded into Europe. The currently leading providers Visa and Mastercard were added later. The first European bank to issue its own card was Barclays with the Barclaycard in 1966. Now, not only do they give Banks, but also other companies own Mastercard and Visa cards. These are often combined with special bonus systems from the respective provider, for example Miles and More from Lufthansa. Anyone with a Miles and More credit card collects miles for the amount spent with every purchase.


Visa is the one world's largest credit card company and the Visa card is one of the most popular credit cards. Whether withdrawing cash, paying at the gas station or shopping online with a payment term - the various Visa products are available every target group satisfied. The Visa credit card is available as a Classic, Gold, Platinum and Infinite card and is mostly issued by banks. Business customers can also use the Commercial or Corporate Card.


With the MasterCard, cash withdrawals can be made relatively cheaply anywhere at home and abroad. She is also one of the frequently used credit cards in Germany. The offer of the company, founded in 1966, includes Classic cards, the free MasterCard Gold and the premium offers MasterCard Platinum and MasterCard Word Elite. The Mastercard Professional is aimed at corporate customers; MasterCard Prepaid offers cards for young people and consumers who appreciate full payment control. There are also a Variety of additional services in connection with the purchase on payment terms available - if you are specifically looking for a bonus program or a foreign health insurance, you can find it here.

American Express

American Express was founded in 1850 as an express delivery service in the USA. It wasn't until 40 years later that it became a financial services provider. Special features of American Express credit cards are the bonus program Membership Rewards, which collects points that can be redeemed for rewards, and the Elimination of a spending limit. Like Visa and MasterCard, American Express offers standard and premium cards. However, there are significantly higher annual fees for these. The fees for the Centurion card are even in the 4-digit range - however, consumers can only receive them by invitation and receive a wide range of additional services in return.

Diners Club

Diners Club was that first credit card. It was developed by Frank McNamara in New York in the early 1950s and is considered a pioneer of American Express and Visa. In addition, this was the first provider to develop bonus programs with international health insurance and the use of airport lounges - this makes them particularly popular with business customers. As is the case with American Express waived a spending limit - Unlimited cash withdrawals or purchases with payment terms are child's play. In return, however, cardholders have to pay an annual fee and debit interest.

Credit card types in comparison

Different types of credit cards differ primarily according to which one Type of billing. Some banks also offer the double card, consisting of Visa and MasterCard, which offers advantages when making payments abroad and for the self-employed.

Charge card

Commonly known as a credit card is the charge card. Billing is usually done on a monthly basis. The owner receives an invoice for the expenses incurred.

Debit card

The most common in Germany is the debit card. The girocard (bank card or EC card) is part of practically every giro account. But Visa Debit and MasterCard Debit also exist as separate cards. With a debit card, loans are only granted for a short time because the money immediately after paying is debited from the linked current account.

Prepaid card

The prepaid credit card does not require a Schufa check because the provider gives the consumer no credit line admits. It is therefore also accessible to people with poor credit ratings and negative Schufa entries. As with a prepaid mobile phone card, it is necessary to use it top up with a creditbefore it is used for cash withdrawals or purchases on payment terms. You can also compare prepaid credit cards online free of charge in the Verivox credit card calculator - although these are not credit cards in the traditional sense.

Daily Charge Card

The daily charge card is a combination of prepaid and classic credit cards, which is not yet very common in Germany. You can hand with a Credit be charged, but also offers one Credit linewhen the credit is used up.

Virtual credit card

A more recent model is the virtual credit card. It is suitable for use online. As the name suggests, the user receives no physical map modelbut only the necessary data (card number, check digit, validity). This enables him to make payments on the Internet that do not require a credit card to be presented.

Revolving Card

With the Revolving Card, credit card transactions are not automatically booked to the current account. The customer can choose between repayment of the invoice amount in one lump sum or in installments choose. If the customer prefers to pay in installments, interest is due. The amount of the partial payments is contractually regulated and usually amounts to five to ten percent of the liability. In addition, a monthly minimum repayment amount agreed. As soon as the customer pays the outstanding invoice amount in full, no more interest accrues.

Correct use of credit cards

There are always news about credit card fraud and data theft on the Internet, in which the credit card data can fall into the wrong hands. It therefore makes sense for cardholders to only shop online using encrypted SSL connections whose URL (Internet address) begins with "https". Prepaid cards offer additional security, because here the amount of the purchase is always limited to the current balance. Mastercard and Visa have developed the secure payment systems Mastercard Identity Check (SecureCode) and Verified by Visa especially for Internet purchases.

If there is any suspicion of card misuse or if the card has been stolen, the cardholder should have the credit card blocked as soon as possible. To do this, you need to call the credit card issuer's blocking hotline.

Credit cards that enable contactless payment via NFC are particularly easy to misuse if lost, as they allow purchases without a PIN or signature. The only way to do this is to lock it as quickly as possible. In order to limit the risk, customers can only pay small amounts contactlessly. On the other hand, some providers require you to enter your PIN again after three such payment processes.

Another risk is the credit card debt trap. Without cost control, payment with payment terms can lead to over-indebtedness. If there is a high outstanding loan amount on the card, rescheduling to an installment loan can make sense. On the one hand, the installment payment is clear and plannable, on the other hand, the interest rates are usually cheaper. To avoid the risk of over-indebtedness, the prepaid card is suitable, with which this is impossible.

Apply for and cancel your credit card

To apply for a credit card, customers contact the Credit card issuers. Accordingly, interested parties can apply for an American Express or Diners Club Card directly from the card provider. To apply for a Mastercard or Visa Card, on the other hand, contact the issuer - usually that's one Bank or savings bank, but also Companies like Lufthansa or Amazon issue credit cards.


The prerequisite for a credit card with a credit line, i.e. a charge card or revolving card, is usually of legal age and a good credit rating in order to avoid the risk of default. Who about no regular income decrees or negative Schufa entries can apply for a prepaid credit card with which no credit is granted.

Cancel credit card

To cancel a credit card, consumers turn to the same Issuersfrom whom you applied for the card. For more information and a letter of cancellation, see the "Canceling credit card" guide.

frequently asked Questions

A credit card can incur costs in different ways. Many banks charge an annual fee for providing their customers with a credit card. 20 to 40 euros per year are quite common at branch banks. Withdrawing money from ATMs with a credit card is not always free - especially abroad.

When using the credit card outside the euro zone, an additional foreign transaction fee may also be charged. The banks themselves also have to pay a fee for converting a foreign currency and often pass these costs on to their customers.

If you have a credit card with a partial payment function (revolving credit card), you may also have to pay interest. In most cases, only the period up to settlement is interest-free with these cards. You then pay interest on credit card transactions that have not yet been paid.

In our credit card comparison you can quickly and easily find credit card offers that do not require annual fees and allow you to withdraw cash at home and abroad free of charge.

With so-called charge credit cards, sales are billed monthly and then debited from the reference account. You will not be charged any interest until settlement.

Revolving credit cards offer you a line of credit. Like charge cards, they are billed monthly. However, you only have to pay part of the outstanding invoice immediately. You can pay off the remaining sum in several installments at a later date.Until full payment has been made, interest is due on the outstanding amount. You can also pay your bill in full in one amount. Then you will not be charged any interest, because the credit card transactions are interest-free, even with a revolving card, until settlement.

In the case of debit cards, the credit card transactions are immediately withdrawn from the stored reference account. So it works in a very similar way as you know it from the Girocard (formerly: EC card).

Prepaid credit cards are a special case. You are not linked to an account. Before you can use the card, you need to add credit to it so that you can pay with it. If the credit is used up, you can no longer use the card to pay.

You can use the filter settings in the credit card comparison to search specifically for offers with your preferred payment method.

In order to be able to use a credit card, you need a reference account from which your credit card transactions are debited. Many direct banks in particular offer permanently free credit cards as an attractive addition to their own checking accounts. You will only receive the free card if you also open a current account at the bank. This account then also serves as a reference account for the credit card. Classic or gold credit cards are also part of the different account models at many branch banks.

But there are also banks that accept any current account in Germany as a reference account for their credit card. In our credit card comparison you can search specifically for credit cards without a current account.

Your bank determines the credit limit of your credit card, but you can have it adjusted to your needs by mutual agreement. The bank will always take your creditworthiness into account. High earners can have higher sums of money than lower income consumers.

As soon as you notice the loss, you should have the credit card blocked. The central emergency lock call can be reached at any time - from Germany via the phone number 116 116 and from abroad via the phone number +49 116 116.

You should always report theft of your credit card to the police. Also inform your bank about the loss of the card. As a rule, you will then receive a new credit card within 1 to 3 working days.


Ralph Wefer

Senior online finance editor

Ralph joined Verivox in 2017 to help our clients find affordable financial products. Before that, he worked for t-online.de as a consumer journalist for several years.



Oliver Maier

Managing director of Verivox Finanzvergleich GmbH

Oliver heads Verivox's finance department - a team of banking experts, credit advisors, data analysts and product developers. With his expertise, he vouches for the quality of our content.

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