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Credit card

Comparison of credit cards
Card name
Annual fee
Type of credit card
Perks
Pros
Cons
thoughts?
application requirements
any fee?
note
€0.00
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hard to get for foreigners (because of SCHUFA)
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€0.00
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nice mobile app
0,- opening fee
0 annual fee
0,- Invoice delivery
Contactless payment
Flexible repayment option*
Interest-free purchases for up to 51 days
Pay toll-free worldwide
Comprehensive travel insurance package
withdrawal fee
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*Minimum repayment amount: 3% of the credit line used, at least 30 euros. Interest is 20.85% pa (debit interest) or 22.96% pa (effective interest rate) for purchases or cash withdrawals and transfers. Transactions from cash transactions and transfers are subject to interest from the booking date.
22.96% p.a. on withdrawal amount
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€0.00
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Not only for new customers, but permanently free of charge
0% foreign transaction fees worldwide
Up to 7 weeks interest-free payment term
Free 24 Hour Customer Service
Part payments possible
Contactless payment
Can be used worldwide
Safe and convenient
Travel insurance included
No bank change necessary
No cash withdrawal fees worldwide
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American Express Platinum Card
€660.00
Free access to more than 1.200 airport lounges worldwide (American Express Global Lounge Collection®). Additionally, free entry for one guest of the Amex Platinum Card holder and for one guest of the free additional Platinum Card holder (“PP+1”).
Valet parking at discounted rates at 8 major German airports
Yearly €200 credit to spend on online travel offers (e.g. flights, hotels, rental cars)
Chauffeur service: Yearly €200 credit for SIXT ride chauffeur service
Free late checkout until 4pm guaranteed at more than 1.000 hotels worldwide
8 different travel insurances included
Free personal 24 hour phone support
Free additional Platinum card and 4 American Express cards (e.g. Gold cards) for your family and friends
Only €55 credit card fee per month
Supports
Apple Pay
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cash withdrawal: 4% (min . 5€)
foreign currency payment (2% of an amount)
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€0.00
1 PAYBACK loyalty point = 2€ (at anywhere where)
normal PAYBACK loyalty point (at partner shops)
100 PAYBACK points = 1€.
Additional advantages (provided by the partner insurances):
extended return policy (90 days) for your purchases (min. value of purchase 30€, max. value 300€ per purchase, 1.200€ per year), certain exclusions apply.
free global travel information and support service (visa regulation information, required vaccinations information, referral of English-speaking hospitals or doctors)
shipping of forgotten prescriptions, urgent medicine, glasses or contact lenses (if broken during your travels) from your home address to your current address abroad
No yearly fee
No shipping fee
Free 24 hour phone support (+49 (0) 69 9797-1000 )
Free billing
Free second card
cash withdrawal: 4% (min . 5€)
foreign currency payment (2% of an amount)
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CRYPTO Visa Debit Card
€0.00
Cashback of at least 1% and up to 8% on your spending (varies with card tier)
100% rebates e.g. on Spotify, Netflix, Amazon Prime, and free Airport Lounge access
Earn up to 12% interest per year on Crypto earn for different crypto currency staking
CRO token holders with metal cards are charged NO monthly fee, NO annual fee, NO shipping fee, NO setup fee
Premium metal VISA card in various colors
Use fiat or cryptocurrencies to top-up
Contactless payment possible (with regulations for authentication)
Purchase and sell over 250+ cryptocurrencies with 20+ fiat currencies using your credit/debit card or bank transfers.
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Basic application requirements:
18 years old or older
registered in Germany
receive a regular monthly income
German mobile phone number
have a German bank account
have a valid passport for Non-EU nationals: residence permit (minimum validity 24 months when applying) + proof of income (payslip or similar)

Type of credit card
Name
how it works?
Notes
Revolving credit card
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Charge credit card
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Questions:
Can we achieve SCHUFA score w about 1 year of using credit card?
Is your credit card suitable for students?
Personal note
check if it include a bank account that mom can transfer money into
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