The Visa credit card is one of the most widely used payment methods in the world! Especially when traveling, for example to the USA, it is almost impossible to avoid using a Visa or Mastercard. But which card is the best Visa credit card in comparison, and what factors are important when making your choice?
The best visa credit cards in germany:
Hanseatic Bank GenialCard
- 0 Euro annual fee
- Free withdrawals abroad*
- Free payments worldwide**
- Repayment in small, flexible installments
easybank Visa
- Promotion: 50 Euro bonus
- Free credit card
- Free cash withdrawals worldwide
- Free payments worldwide
- Free loan up to 2 months
Bank Norwegian Visa
- Promotion: 15 Euro welcome bonus
- Free credit card – permanently without annual fee
- Free cash withdrawals worldwide
- Worldwide free payments – no foreign transaction fee
- Attractive travel insurance included
awa7 Credit Card
- 0 Euro annual fee
- Pay worldwide free of charge*
- Withdraw cash abroad free of charge**
- Repayment in small and flexible rates
Trade Republic Credit Card
- Free credit card – permanently without annual fee
- Free payments worldwide
- Free cash withdrawals worldwide
- 1 percent saveback – on card spending
In addition to credit cards and debit cards, more and more banks in Germany now also offer so-called debit cards. These combine immediate debiting from your checking account with the advantages of a credit card, making them a kind of hybrid between a credit card and a debit card. They can be used for both online payments and transactions abroad without any problems, which is why debit cards are also included in our credit card comparisons.
Here you can find out who would particularly benefit from a Visa card and what advantages it offers. We will also show you which of the numerous Visa credit cards available in Germany best suits your needs and what you should look out for when choosing one!
Inhaltsverzeichnis
- What is a Visa credit card?
- Which is the best free Visa credit card?
- What are the advantages of Visa Gold credit cards?
- What are the advantages of Visa Platinum credit cards?
- What is the history behind Visa credit cards?
- When is it worthwhile to use a Visa credit card to collect miles?
- How does a virtual Visa credit card work?
- Which is the best prepaid Visa credit card?
- Which Visa credit card is best for students?
- Which Visa credit cards offer insurance benefits?
- What Visa credit cards with credit limits are available?
- How do I apply for a Visa credit card?
- How widely accepted is Visa?
- How do I find a Visa credit card that’s right for me?
- In which cases should I not opt for a Visa credit card?
- Our conclusion on choosing the right Visa credit card
What is a Visa credit card?
A Visa card is a globally accepted credit or debit card issued by Visa Inc. Visa is one of the world’s largest payment networks and facilitates electronic money transfers between financial institutions, merchants, and cardholders. There are various types of Visa credit cards that cater to different interests and payment methods:
- Credit cards: Visa credit cards allow you to make purchases and obtain credit from the card-issuing bank. Visa credit cards are widely accepted and can be used worldwide. You receive a monthly statement and can repay the entire amount or part of it.
- Debit cards: Visa debit cards are linked to a bank account and withdraw money directly from the linked checking account to pay for purchases. They work similarly to credit cards, but the expenses are immediately debited from your bank account.
- Prepaid cards: Visa prepaid cards allow you to load money onto the card and then make purchases as you would with a debit card. However, with a prepaid card, you can only spend the amount that has already been loaded onto the card. These cards offer a way to make payments without a bank account or serve as an alternative to cash when traveling.
Visa cards are issued by many banks and financial institutions worldwide and can be used at millions of locations around the world, including retail stores, restaurants, online merchants, ATMs, and more. They also offer various security features such as EMV chip technology, contactless payments, and fraud protection.
Which is the best free Visa credit card?
Finding an attractive free Visa credit card is relatively straightforward, as nearly all of the best free credit cards in Germany carry the Visa logo. However, they are issued by different banks, since Visa itself typically does not act as the direct issuer but instead works with partner banks. In practice, this makes little difference for customers. The best free Visa credit cards include the following:
The best visa credit cards in Germany:
Hanseatic Bank GenialCard
- 0 Euro annual fee
- Free withdrawals abroad*
- Free payments worldwide**
- Repayment in small, flexible installments
easybank Visa
- Promotion: 50 Euro bonus
- Free credit card
- Free cash withdrawals worldwide
- Free payments worldwide
- Free loan up to 2 months
Bank Norwegian Visa
- Promotion: 15 Euro welcome bonus
- Free credit card – permanently without annual fee
- Free cash withdrawals worldwide
- Worldwide free payments – no foreign transaction fee
- Attractive travel insurance included
awa7 Credit Card
- 0 Euro annual fee
- Pay worldwide free of charge*
- Withdraw cash abroad free of charge**
- Repayment in small and flexible rates
Trade Republic Credit Card
- Free credit card – permanently without annual fee
- Free payments worldwide
- Free cash withdrawals worldwide
- 1 percent saveback – on card spending
When choosing a Visa card, it is important to ensure that there are no annual fees and that there are no fees for payments in foreign currencies or for withdrawals.
Cards with no fees whatsoever are particularly suitable for everyday use, whether you are ordering something online or traveling.
The best Visa debit cards
Another option is debit cards. If you are looking for a free credit card with no fees for overseas use and withdrawals, the DKB Visa credit card is the right choice for you. It also includes a free checking account.
DKB Credit Card
- Free cash withdrawals worldwide
- Free payments worldwide
- Free checking account with active use
- Emergency package abroad
- Resident in Austria? Then apply here
Another free credit card is the comdirect Visa credit card. This credit card also has no withdrawal fees and includes a checking account when you apply.
comdirect Visa Credit Card
- Free payments worldwide
- 2,90 Euro per month
- Exclusive design with Girokonto Plus checking account
- Apple Pay and Google Pay compatible
With these two cards, you can also enjoy the fact that there is no annual fee and all withdrawals are completely free of charge. The DKB credit card also allows you to make payments in foreign currencies without fees. However, this is only available to active customers of the associated DKB checking account.
Unfortunately, the ING credit card with the associated ING checking account does not offer this advantage, making the DKB credit card slightly more attractive overall. The comdirect credit card and the Consorsbank credit card are also not quite as attractive when viewed as a whole.
Overall, however, the picture is positive: there are many attractive Visa credit cards with no annual fee. However, we specifically recommend four credit cards, which you should choose from, as each of them offers a little bit more in terms of benefits.
What are the advantages of Visa Gold credit cards?
Visa Gold credit cards generally offer a number of advantages over standard Visa credit cards. In addition to other services, they usually offer several insurance packages with a strong focus on travel insurance. The two most important types of insurance are travel cancellation insurance and international health insurance. However, Visa Gold cards also offer other advantages:
Increased credit card limit and additional services
Visa Gold credit cards often have a higher credit limit than conventional Visa credit cards. This feature can be very useful for some people, especially when making larger purchases or higher expenditures.
Visa Gold Cards also offer free additional services, such as reimbursement for delayed baggage and car rental insurance.
Global acceptance
A major advantage of Visa Gold credit cards is their worldwide acceptance. These credit cards are accepted almost everywhere around the world and usually grant access to special VIP lounges or offer access to exclusive events or advance ticket sales.
If you enjoy traveling or are often abroad, we highly recommend Visa Gold Cards. They offer you optimal security and allow you to enjoy a worry-free stay. The Eurowings Premium Credit Card is ideal for traveling, as it allows you to collect miles. The credit card is available at half price in the first year and allows free cash withdrawals and payments abroad. The Eurowings Premium Credit Card also offers various insurance services that cover you abroad.
The easybank Visa Gold Card is also recommended. For a low annual fee, you get all the important services you need for a relaxed trip. The easybank Visa Gold Card also offers a lot of flexibility and travel insurance for the whole family. You don’t have to pay any fees for cash withdrawals and payments within the EU, but a foreign currency fee of 1.99 percent applies abroad.
Eurowings Credit Card Premium
- Promotion: 5.000 welcome miles
- Only 49,50 Euro annual fee the first year
- Free cash withdrawals and payments abroad
- Earn Miles & More miles
easybank Gold
- Free for annual spend of 3.000 Euro or more
- Free cash withdrawals in the Eurozone
- Attractive travel insurance
- Free payments within the EU
Hanseatic Bank GenialCard
- 0 Euro annual fee
- Free withdrawals abroad*
- Free payments worldwide**
- Repayment in small, flexible installments
What are the advantages of Visa Platinum credit cards?
Platinum Visa credit cards also offer a range of benefits that go beyond the standards of conventional Visa credit cards:
Travel benefits
Visa Platinum credit cards often offer extensive travel benefits, such as travel insurance for cancellations, delays, and medical emergencies, access to airport lounges, free or discounted car rental insurance, and more.
These allow you to enjoy very pleasant trips and are covered by insurance packages.
Rewards and discounts
Visa Platinum credit cards often offer attractive rewards programs with points, miles, or cashback for purchases. In addition, you can benefit from discounts or perks at partner companies, such as hotels, airlines, restaurants, and retailers.
Advanced security features
Visa Platinum credit cards usually offer a range of advanced security features such as contactless payment and fraud protection. These protective features ensure the security of your everyday transactions.
As a Platinum Visa card, we can recommend various models that offer you different advantages. First, the Trade Republic credit card is highly recommended. It has no annual fee and offers free payments worldwide, making it particularly suitable for travel.
Trade Republic Virtual Card
- Free debit card– no annual fee, ever
- Free payments worldwide – no foreign transaction fees
- Free cash withdrawals worldwide (minimum €100 and only with the physical card)
- 1 percent cashback with the Saveback function
- Interest on uninvested credit balances
- Low-cost trades with the linked securities account
We can also recommend the easybank Platinum Double credit card, which also offers free payments worldwide and comes with various insurance options.
Trade Republic Credit Card
- Free credit card – permanently without annual fee
- Free payments worldwide
- Free cash withdrawals worldwide
- 1 percent saveback – on card spending
easybank Platinum Double
- Promotion: 50 Euro starting credit
- Free cash withdrawals worldwide
- Free payments worldwide
- Extensive insurance coverage
- Free Platinum partner cards
What is the history behind Visa credit cards?
As one of the most widely accepted providers worldwide, Visa has a long history. The company was founded in 1970, but was not renamed Visa until 1976. The bank dates back to a joint venture between Bank of America and other American banks.
Unlike Mastercard, Visa’s history is therefore entirely American. Accordingly, the cards took a long time to become popular in Germany. The first Visa credit card appeared in Germany in 1981. However, at that time, the cards were issued exclusively by Bank of America.
In 1987, Santander Bank, which had taken over the license from Bank of America, became the first local bank to issue a Visa credit card in Germany. Other banks followed suit in subsequent years, with Sparkasse offering Visa cards since 1995, among others.
Since then, however, the cards have enjoyed enormous success and have long since caught up with Mastercard in its traditional core market. Visa’s global market share is over 60 percent, making it the world market leader. In Germany and Europe, its share is less than 50 percent.
Today, Visa has ties to numerous banks in Germany. It is therefore possible to apply for a Visa credit card through several direct and branch banks.
When is it worthwhile to use a Visa credit card to collect miles?
In line with what we said about the Miles & More credit card and the American Express Gold Card, we come to an often overlooked feature of credit cards: collecting miles and points.
In this area, too, Visa is not quite as well positioned in Germany as its premium competitors. Mastercard and American Express have the most attractive cards in their portfolios, but there are at least three Visa credit cards that are suitable for collecting miles:
On the one hand, the Eurowings Premium credit card is ideal for collecting miles. However, the credit card has an annual fee. It also offers insurance benefits and free withdrawals.
Eurowings Premium credit card
- Free cash withdrawals and payments abroad
- Benefits with Eurowings (e.g., Fast Lane, seat reservation)
- Comprehensive insurance coverage
- Earn Miles & More miles
Please note that the Eurowings Classic credit card is only free of charge in the first year. The Eurowings Premium credit card costs 49,50 euro in the first year and is only available as a Visa credit card. However, the other conditions are relatively attractive. For example, some insurance benefits are included, and withdrawals and payments in foreign currencies are completely free of charge, at least with the Eurowings Premium version. In addition, there are advantages with the airline itself.
Another Visa card has recently been introduced that may be attractive in certain circumstances. We are referring to the Payback Visa credit card from BW Bank. This is a very low-cost credit card that allows you to collect Payback points. Payback points can be converted into Miles & More miles at a ratio of 1:1.
But the Payback Visa offers even more. With this credit card, you don’t pay any fees for withdrawals abroad or for payments in foreign currencies. Although the collection ratio (1 point for every 5 euros spent) is not ideal, it is still the best Visa credit card for collecting miles!
Payback Visa
- Up to 1.500 Payback bonus points
- Collect 1 point for every 5 Euro spent
- No points’ expiration for cardholders
- No foreign currency fees
- Free cash withdrawals abroad
- Recommended by Stiftung Warentest (04/2026)
Eurowings Credit Card Classic
- 1.500 miles welcome bonus
- Only 14,50 Euro annual fee the first year
- Free cash withdrawals abroad
- Earn miles with Miles & More
- Valuable benefits when flying with Eurowings
Eurowings Credit Card Premium
- Promotion: 5.000 welcome miles
- Only 49,50 Euro annual fee the first year
- Free cash withdrawals and payments abroad
- Earn Miles & More miles
How does a virtual Visa credit card work?
A virtual Visa credit card essentially functions like a physical credit card, but it only exists digitally and can be used for online purchases. Here is a basic overview of how it works:
Application
You can usually apply for a virtual Visa credit card through your bank or another credit card provider. Once approved, you will receive the card details, including the 16-digit card number, expiration date, and security code (CVV/CVC).
Use for online payments
You can use the virtual Visa credit card for online purchases by entering the card details during the checkout process on the merchant’s website. The virtual card is treated like a physical credit card, and the corresponding amount is debited from your credit card account.
We recommend the Trade Republic Virtual Card, which is a virtual credit card accepted worldwide. It is also permanently free of charge and offers a wide range of additional services.
Trade Republic Virtual Card
- Free debit card– no annual fee, ever
- Free payments worldwide – no foreign transaction fees
- Free cash withdrawals worldwide (minimum €100 and only with the physical card)
- 1 percent cashback with the Saveback function
- Interest on uninvested credit balances
- Low-cost trades with the linked securities account
Safety features
Virtual Visa credit cards usually offer security features such as single-use or limited validity. Some providers generate new card details for each transaction or for a limited period of time to minimize the risk of fraud or misuse.
No physical card
Unlike physical credit cards, you do not receive a physical plastic card.
The virtual Visa credit card only exists digitally, which makes it particularly convenient for online purchases.
Credit top-up and management
Depending on the type of virtual credit card, you can load credit onto it either in advance or by linking it to your bank account. You can also manage transactions and other settings via your online account or mobile app.
Overall, virtual Visa credit cards offer a convenient and secure way to make online purchases without the need for a physical card. They are particularly useful if you do not want to disclose your credit card details online or want an extra layer of security for your online transactions.
Which is the best prepaid Visa credit card?
Among conventional Visa credit cards, there are also a number of prepaid credit cards that can only be used to spend the credit that has been loaded onto them. These cards are particularly suitable for young people and individuals with negative credit ratings. In this guide, we would like to take a closer look at the advantages of prepaid Visa credit cards.
Easy application
Unlike traditional credit cards, prepaid cards do not require a credit check. If you want to apply for a prepaid Visa credit card, you can do so even if you have a negative credit rating.
Safety
Since prepaid cards are not linked to a bank account, the risk of identity theft or fraud is reduced.
If the card is lost or stolen, it can be easily blocked and the credit balance on it is protected.
Budget control
Another advantage of the prepaid Visa credit card is that you can only spend the money that has been loaded onto the prepaid credit card beforehand. This means you cannot fall into debt and cannot exceed your loaded budget.
International use
Prepaid Visa cards can generally be used worldwide at millions of locations where Visa is accepted. They are also useful for traveling abroad, as they allow you to hold and use money in different currencies.
In our prepaid credit card comparison, we have compiled the best prepaid credit cards for you. Before you decide on a prepaid credit card, you should compare the fees, features, and terms and conditions of the various providers to ensure that they meet your requirements.
We particularly recommend the Tomorrow Visa Debit Card, which allows you to contribute to the environment with every card payment and generally gives you the option of withdrawing money worldwide free of charge.
The Vivid Money Card is also a good alternative. It can be linked to Apple and Google Pay, and you get a free online account in addition to your credit card.
Tomorrow Visa Debit Card
- Tomorrow climate contribution with every card payment!
- Free Visa debit card
- Free withdrawals worldwide
- Average acceptance rate with Schufa credit check
Vivid Visa Debitkarte
- Permanently free debit card
- Free bank account
- No SCHUFA check
- Earn Cashback with every purchase
Which Visa credit card is best for students?
Certain Visa credit cards may be particularly suitable for students, as they often offer special benefits and features that meet the needs of students. Students can benefit from Visa credit cards for several reasons:
Convenient payment
Visa credit cards are accepted at millions of locations worldwide. For students who often commute between campus, grocery stores, bookstores, and other places, a Visa credit card can be a convenient way to make purchases without always having to carry cash.
Online payments
More and more students are paying for their study materials and clothing online.
Visa credit cards are particularly well suited for this purpose, as they offer secure online payments and allow students to track their transactions online.
Travel and stays abroad
As a student, there are often opportunities to travel or study abroad as part of your degree program. A Visa credit card can be a useful payment method for this, as it is accepted in many countries and offers the option of paying in different currencies.
In our article on the best credit cards for students, we have listed the most popular credit cards in a comparison for you.
The most popular cards are the DKB Visa credit card and the Trade Republic credit card. The DKB Visa credit card allows you to withdraw cash free of charge worldwide and offers you a free checking account if you actively use the credit card.
DKB Visa Card
- Withdraw cash free of charge
- Pay worldwide free of charge
- Free checking account with active use
- Resident in Austria? Then apply here
The Trade Republic credit card is also permanently free of charge and does not incur any foreign transaction fees. It is therefore ideal for travel and students on a lower income.
Which Visa credit cards offer insurance benefits?
Visa does not generally offer direct insurance benefits. However, many credit cards bearing the Visa logo offer various types of insurance benefits as an advantage for cardholders. These benefits vary depending on the type of card and the card issuer (such as banks or financial institutions). However, Visa is somewhat less competitive in the area of credit cards with insurance benefits.
It is particularly striking that there are hardly any premium credit cards issued by Visa. The only relatively good premium credit cards from Visa are the following:
The easybank Gold Visa is a credit card that offers excellent insurance benefits. However, the credit card does not charge any additional fees for cash withdrawals in Europe.
Another alternative is the easybank Platinum Double. It also offers very attractive insurance benefits and allows free cash withdrawals and payments worldwide.
The two easybank credit cards may be the most attractive option. The easybank Gold Visa offers the most important insurance policies and costs 59 euro per year. The Platinum Double (Visa credit card in combination with a Mastercard) comes with an annual fee, but offers more comprehensive insurance coverage and no withdrawal or foreign currency fees.
Overall, it is clear that choosing a premium Visa credit card is particularly advantageous for travel and offers attractive benefits that protect you when abroad.
The American Express Gold Card or the Miles & More Gold credit card, for example, offer another attractive overall package for many people. These cards also allow you to collect bonus points as part of special promotions.
What Visa credit cards with credit limits are available?
The question of which Visa credit cards with credit limits are best depends on your personal needs and financial situation.
What is a credit card with a credit limit? Credit cards with a credit limit are credit cards that allow you to spend up to a certain amount of money, even if the balance on the card account is insufficient. The credit limit is the maximum amount you can spend on purchases or cash withdrawals without the card being declined.
However, there are some popular Visa credit cards that are often considered good options:
The Santander BestCard Basic credit card is a credit card with a credit limit. The Santander BestCard Basic credit card is a permanently free credit card.
The easybank Visa credit card is highly recommended. It is a free credit card that allows you to make free cash withdrawals worldwide, making it particularly suitable for travel. This credit card also offers free credit for up to two months.
How do I apply for a Visa credit card?
A credit card can usually be applied for in a few simple steps. We have summarized the individual steps for you:
- Personal data: Once you have decided on a specific credit card, you can enter your personal data on the credit card issuer’s website.
- Creditworthiness: Some banks ask about your creditworthiness when you apply.
- Identification: Once your personal data has been checked and confirmed, you will need to identify yourself using the Post-Ident procedure or the Video-Iden procedure.
- Receiving your credit card: Once your application has been submitted and confirmed, you will receive your physical credit card in approximately two weeks. Then nothing should stand in your way!
If you haven’t yet decided which credit card you want to apply for, you can take a look at our credit card comparison and compare the different models.
Hanseatic Bank GenialCard
- 0 Euro annual fee
- Free withdrawals abroad*
- Free payments worldwide**
- Repayment in small, flexible installments
easybank Visa
- Promotion: 50 Euro bonus
- Free credit card
- Free cash withdrawals worldwide
- Free payments worldwide
- Free loan up to 2 months
Bank Norwegian Visa
- Promotion: 15 Euro welcome bonus
- Free credit card – permanently without annual fee
- Free cash withdrawals worldwide
- Worldwide free payments – no foreign transaction fee
- Attractive travel insurance included
awa7 Credit Card
- 0 Euro annual fee
- Pay worldwide free of charge*
- Withdraw cash abroad free of charge**
- Repayment in small and flexible rates
Trade Republic Credit Card
- Free credit card – permanently without annual fee
- Free payments worldwide
- Free cash withdrawals worldwide
- 1 percent saveback – on card spending
How widely accepted is Visa?
Visa is widely accepted around the world. Visa is one of the largest and most popular payment card organizations in the world, and its credit and debit cards are accepted by millions of merchants in over 200 countries and regions. This includes a wide range of stores, restaurants, hotels, gas stations, online merchants, and other retailers and service providers.
The widespread acceptance of Visa is partly due to the global networks of banks and financial institutions that issue Visa cards and process payments through the Visa network. Visa works with a wide range of financial institutions worldwide to ensure that you can use your Visa cards seamlessly and securely in millions of locations.
Visa cards are often considered one of the preferred payment methods for international travel, as they are recognized in many countries and accepted in most places where credit and debit cards are accepted as payment. This makes Visa a convenient option for travel enthusiasts who want to shop and pay worldwide, whether abroad or online.
However, it is important to note that there may occasionally be some places where Visa cards may not be accepted, particularly in remote or rural areas or in some specialized stores. In such cases, other payment methods such as cash or alternative credit cards may be used. Overall, however, Visa acceptance is very high, offering you a convenient and flexible way to make purchases worldwide.
How do I find a Visa credit card that’s right for me?
When searching for a suitable Visa credit card, it is definitely worth taking a look at the credit card comparison. Here you can see the different models along with all their advantages and disadvantages.
Global usability
In principle, all Visa credit cards in Germany are the same in terms of acceptance and worldwide usability. Specifically, this means that you can usually use a Visa card to withdraw cash from any ATM worldwide and also to pay at any online retailer or brick-and-mortar store that accepts Visa.
Although there are some restrictions on prepaid credit cards and so-called virtual credit cards, with the Visa cards recommended by reisetopia, you can pay flexibly at all acceptance points worldwide.
Those who choose the right Visa Card can look forward to the following benefits:
- Free credit card – no annual fee
- No fee for withdrawals
- No fee for payments in foreign currencies
It is clear that finding a Visa credit card free of charge is not a problem. Many providers in Germany now offer this type of free credit card. Another attractive feature is that additional fees, which are usually standard for credit cards, are increasingly being waived.
This applies, for example, to fees for withdrawals or payments in foreign currencies such as the US dollar. It is important to note that the credit cards in question are rarely cards from branch banks such as Sparkasse or Volksbank credit cards. These cards usually offer rather poor terms and conditions, which is why it makes sense to look at alternatives.
If you are looking for a suitable Visa card, you should definitely take a look at the premium cards available. A free credit card is not always the best choice. Depending on your payment and travel habits, premium credit cards can often be worthwhile.
Visa is not quite as strong in this area as Mastercard or American Express credit cards, for example. However, Visa cards also offer insurance and mileage-earning options, although not quite as many as other card providers.
Haven’t found the right credit card yet? Then check out our reisetopia financial picks:
💳 reisetopia’s financial picks April – find the best credit card for your needs:
In which cases should I not opt for a Visa credit card?
In Germany, free Visa cards are particularly attractive. Not only will you find a wide selection, but also the best cards in Germany in this category. In principle, there is no Mastercard or American Express card that can compete. In this respect, there are no two opinions—a Visa card is definitely the best choice here, according to reisetopia’s financial experts.
However, you should always avoid Visa credit cards if you decide to get a premium credit card. In principle, there is no reason to choose a Visa card in this case.
The very best premium credit card in Germany is undoubtedly the American Express Platinum Card. This credit card offers exclusive travel benefits and a range of attractive insurance packages.
American Express Platinum Card
- 200 Euro travel credit per year for flights, hotels and more
- 200 Euro SIXT Ride credit per year
- Up to 200 Euro discount & Priority benefits for Condor flight bookings
- Exclusive metal credit card
- Collect valuable points with each turnover
- Free platinum partner card with all benefits included
- Best insurance package in Germany
- Free lounge access with a guest at 1.550 lounges worldwide
- Upgrades, breakfast and more status benefits in hotels
There are also better options among the regular premium cards with insurance. Visa is also not particularly impressive when it comes to cards for collecting miles. Here, too, another choice would definitely be the better decision—Mastercard and American Express are simply superior in this regard.
Overall, it can be said that anyone looking for a free credit card should definitely opt for Visa. On the other hand, those looking for a premium card should rather look for a suitable Mastercard or American Express credit card.
Our conclusion on choosing the right Visa credit card
A Visa credit card is undoubtedly a good choice if you are looking for a free credit card. There are five options here that we would definitely recommend. In addition, Visa is accepted worldwide. No other provider except Mastercard can even come close to competing with this. So if you are looking for a suitable card for travel or domestic use, Visa is definitely a good choice – only if you are looking for a premium credit card should you consider another option.
The best visa credit cards in Germany:
Hanseatic Bank GenialCard
- 0 Euro annual fee
- Free withdrawals abroad*
- Free payments worldwide**
- Repayment in small, flexible installments
easybank Visa
- Promotion: 50 Euro bonus
- Free credit card
- Free cash withdrawals worldwide
- Free payments worldwide
- Free loan up to 2 months
Bank Norwegian Visa
- Promotion: 15 Euro welcome bonus
- Free credit card – permanently without annual fee
- Free cash withdrawals worldwide
- Worldwide free payments – no foreign transaction fee
- Attractive travel insurance included
awa7 Credit Card
- 0 Euro annual fee
- Pay worldwide free of charge*
- Withdraw cash abroad free of charge**
- Repayment in small and flexible rates
Trade Republic Credit Card
- Free credit card – permanently without annual fee
- Free payments worldwide
- Free cash withdrawals worldwide
- 1 percent saveback – on card spending
