Credit card comparison: find and compare the best credit cards

With our interactive credit card comparison you can find the perfect credit card with the best conditions in a few moments!

How does the credit card comparison work?

First of all, you can specify your parameters so that you can also find the credit card or debit card that best suits you and your needs. In our credit card calculator there are the following parameters:

1. Annual turnover in Euroland

How high is your average annual turnover with your credit card?? Note that in this first step it is only about payments with euros. Payment by credit card is free of charge with many providers in the euro area.

2. Annual turnover in non-Euroland

What is your turnover in the non-euro country? In simpler terms, what is your average turnover with other currencies?? This is especially interesting when traveling, as in many cases your regular checking card will not be accepted. A credit card is indispensable for hotel bookings, car rental payments or in restaurants, if you do not want to pay with cash only.

Credit card providers may charge fees for the use of the credit card in the non-Euro area. For making payments, but also for withdrawing cash. This foreign currency fee is usually calculated by a fixed percentage of the amount paid or withdrawn.

3. Card company

Credit card companies are companies that provide the payment network for credit card payments and handle all transactions with the credit card.

Credit card companies should not be confused with issuers. These are usually banks that cooperate with the companies. In some cases, however, the card company may also be the issuer.

You have a total of four choices in the credit card comparison, which are also the market leaders in the field of credit cards: American Express, Visa, Mastercard or all.

4. View / Status

Most credit cards are normal, classic credit cards without status or special features. However, there are also gold and platinum cards.

Gold cards, in contrast to the classic credit card, include a few extras. Customers can benefit, for example, from insurance, bonus programs and discounts. In turn, the fees are usually higher than those of traditional credit cards.

Platinum cards are not issued to everyone. In many cases, a high annual income and a correspondingly high turnover is a prerequisite. Customers have advantages such as a higher credit limit, better conditions, longer payment terms or attractive interest rates. In return, the fees are significantly higher.

In your credit card comparison you can choose either all cards, gold cards only, platinum cards only or gold and platinum cards.

5. Payment method

Which payment method works for you? Here you can choose between immediate debit from the account, a monthly bill, the installment facility, prepaid or even for all payment methods.

  • With immediate withdrawal from your account, your credit card is directly linked to your current account. If you pay something with your credit card, the amount is debited directly and without delay from you. Then it is actually a debit card with credit card functions.
  • The monthly bill is for charge credit cards. You make your transactions, the provider advances you the money and at the end of the month you receive an invoice or a bill. the money is debited from your current account.
  • The installment feature is possible with revolving credit cards. In principle, it works like a charge credit card, but at the end of the month is not the entire amount of your expenses due. You pay off an installment loan permanently, which can be very expensive due to high interest rates.
  • The prepaid credit card works similar to prepaid cell phone cards. You transfer your credit to the card beforehand and can then pay with it. You can not overdraw the credit card and are not tempted to spend more than you have. a prepaid credit card is especially suitable for people who have a bad Schufa score.

6. Start credit card comparison

Then press "Compare credit cards" and we will show you the best matches individually according to your specifications.

Credit card comparison: What can I see in the table?

After you have entered all the individual factors, you can take the credit card recommendations for your needs from the table. We explain to you what exactly is displayed.


Here you can see the name and logo of the credit card provider in this row, for example DKB, norisbank or N26. So you can quickly recognize, select or deliberately skip known providers.


You get at a glance the information about which credit card it is. For example, whether it is a gold credit card or what the exact name of the credit card is.


In the star rating can be achieved up to five stars. This rating is made up of transparency, service, recommendations from other customers and online banking.

Credit card comparison ratings

Additional services

A total of up to four categories can be fulfilled here: Bonus systems, insurances, discounts and services. If the small picture is black, the provider offers you appropriate advantages. You can move your mouse over it to see the details.

  • The cross stands for possible bonus systems. Does the provider offer you participation in bonus programs?? These can be your own programs, but also well-known programs such as Miles & More or Payback.
  • The bag stands for insurance. The credit card therefore offers you, for example, travel or car insurance.
  • Behind the percentage sign are possible discounts. This can be, for example, discounts on purchases, flight or hotel bookings.
  • The globe stands for further services. So, for example, that there is a free partner card, you withdraw cash free of charge in the euro and non-euro area or concierge services can be used.

Total costs p.a.

The total cost p.a. are the costs that you have to pay per year based on your credit card usage data. You can see at a glance which fixed costs you will have to pay per year. Many providers now offer almost entirely free credit cards, so for most of them you will see "0.00 Euro" here.

Credit card comparison: How to find a provider

A provider has aroused your interest and you want to convince yourself now? Then click on the "To the provider" button to go directly to the credit card of your choice, where you can open your credit card in just a few minutes.

Credit card comparison: What should a good credit card offer??

This credit card comparison compares individual credit card providers based on cost and ratings. Here we would like to give you a few additional tips that are important when choosing your credit card.

1. The annual fee

Some credit cards charge the annual fee for the use of the card itself. This fee is similar to the account maintenance fees on your checking account. However, as mentioned above, there are many free credit cards.

If you want to have a lot of extra services, you have to pay an annual fee. This can be a few euros or several thousand euros. The latter is often found in platinum cards, but they also offer correspondingly attractive benefits and services.

2. Fees abroad

This fee is especially important for frequent travelers outside the euro area. Foreign currency fees of several percent often apply for foreign currencies. Against these fees is not much to do, except to make sure that they are as low as possible.

3. Fees for cash withdrawals

Some providers charge a fee for withdrawing cash at the ATM. This is then a few percent of the amount withdrawn. Since these fees can add up quickly, you should make sure to choose a credit card or debit card that waives them. The DKB offers you for example this possibility.

Alternatively, you can choose a card that allows a certain number of withdrawals for free if you don't withdraw cash that often. N26, for example, offers five free monthly withdrawals with its Maestro debit card.

4. Debit interest on the credit line

If a credit card is in the negative, debit interest is charged. At least if the full amount is not settled at the end of the month. These are in the range of 10 to 20 percent and are thus not insignificant.

Even if a credit card tempts you to make a purchase, you should only use it to spend money that you can be sure of paying off in full at the end of the month. Then you can well avoid debit interest.

Or you can make a conscious decision to get a prepaid credit card or a debit card with credit card features. You can only spend the money that you yourself have transferred to the credit card and "loaded" or "charged". that you have on your checking account.

Note: All content is not investment, tax, insurance or legal advice. They serve for information and entertainment. We are not responsible for any risk or loss. Never waive your own thorough research. Links can be affiliate links.

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