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Free credit cards are an essential for everyday life that everyone should have in their wallet. There are no annual fees, free cash withdrawals and many other benefits can be added to all ATMs, but which free credit card is the best? And what do you need to know about credit cards in Germany? Our guide compares the best free credit card providers and shows you what to look out for!
Searching for a free credit card can take a long time as most of the credit cards advertised are not good options. We believe that choosing the right credit card depends on your personal preferences and needs. Free credit cards are one of the best options for financial products in Germany, but the annual fee is not significant.
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Credit cards are very different in Germany than in other countries. Therefore, before choosing the credit card to apply for, it is important to understand the market and its implications/faces. First, there are currently four different types of credit cards in Germany:
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Not all types of credit cards are suitable for all people and their financial needs. Therefore, choose a credit card that suits your spending habits and requirements. In general, the German market has many free credit cards that offer the same terms (or better) than credit cards with a higher annual fee.
Credit card is an essential financial product in Germany as it can be used for various large payments. Regardless of the fact that you don’t have to pay an annual fee, a good free credit card can help you save money by avoiding fees for payments or cash withdrawals in foreign currencies. The best option is to choose a free credit card if you want to deposit. Some car rental companies and hotels do not accept payment options other than credit cards. This may be the same for online payments as some merchants only accept this type of payment.
Another reason why you should opt for a free credit card in Germany is security. If you lose your card, you can protect it from fraud by calling your credit card company or using the app to immediately block your card.
The term free credit card generally refers to all credit cards that do not have an annual fee. Exactly, that means you don’t pay any fees to apply for or hold a credit card. To make sure that the credit card is free, you should pay attention to the annual fee.
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Tip: Some credit cards are only free for the first year, but may incur annual fees for subsequent years. It makes sense to use a credit card for free for the first year if the associated benefits are given, but then you should remember to cancel the card in advance or switch to another model.
For example, in Germany, the Hanseatic Bank Genial Card is advertised as a completely free credit card. Other providers also offer free credit cards in the long run, with no annual fees. While most branch banks do not offer a credit card without an annual fee, many credit card banks and direct banks have a free option in their portfolio. Applying for a credit card can make a lot of sense – usually a free credit card can be beneficial in addition to a premium credit card.
Credit cards come with a number of benefits, including an annual fee, which in our opinion is definitely the best payment everyone needs in everyday life. There are many benefits of free credit cards in addition to using this card to withdraw money from an ATM with many benefits abroad.
Paying an extra fee seems too good to be true, but for some, it’s too good to be true. In fact, many credit cards include free services for their annual fee. However, you don’t have to pay this annual fee because there are plenty of free options that offer the same free services.
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For this reason, if you’re still paying unnecessary annual fees for products that aren’t half as good as free options, you should immediately consider getting a new one. By choosing one of our free credit cards, you can save a lot of money in the long run.
Another important aspect of free credit cards is that you can withdraw money in full. This may not seem particularly spectacular at first glance, but it can be very important, especially since many organizations in Germany still accept cash as the only method of payment. The only restriction is that it must be an ATM that accepts Visa or MasterCard (depending on which free credit card you choose). In Germany alone, there are thousands of ATMs that you can use for free.
In addition to free cash withdrawals in Germany, you can also withdraw money abroad for free. Branch credit cards usually charge a fee of 5 per service, which can be added quickly. On the other hand, credit cards such as the Hanseatic Bank generic card guarantee visa fees against the foreign currency, so you don’t have to pay anything above.
Finally, it should be noted that when you withdraw money with credit cards, many cards allow you to borrow money from your credit. This way you are sure of the money, while in the best case you only have to repay after 60 days and enjoy the extra financial flexibility.
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The last thing that makes free credit cards so valuable is the financial freedom they can offer. Take as an example a free credit card from Barclaycard, with which you can borrow money for up to 60 days. You pay with a credit card and the amount spent will only be debited from your account after 60 days.
If necessary, you can defer payment in the future by means of installments. However, you should be careful as this option can also be used intentionally, which can result in higher costs if you want to pay the full amount. You can read more about this in the section on the risks of free credit cards.
To make sure the credit card is free and residual, don’t just look at the annual fee. As with other financial products, additional costs may arise at some point. Three different fees are usually particularly relevant:
All of the above only applies if you use certain services. This is of course easy to explain in the case of withdrawal costs: These costs are always charged when you use your credit card to withdraw money.
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While there are many free credit cards that allow free withdrawals, this is not the case for all credit cards. That’s why credit cards from direct banks only offer free withdrawals in Germany, but are highly recommended around the world, such as the Hanseatic Bank Genialcard. However, some other free credit cards also offer free withdrawals, such as the ICS Visa World Card.
In addition to the withdrawal costs, foreign currency costs can also be an important factor. Especially if you are looking for a free Visa or free MasterCard while traveling, this fee is huge. When you travel, you usually have to pay a surcharge for payments in other currencies, the so-called foreign currency charges. This is usually between 1 and 2 percent of the respective trades. For example, if you have a high dollar in US dollars, a free credit card with no foreign currency fees is well worth it. We recommend the Hanseatic Bank Genial Card and Barclaycard Visa. Both offer free withdrawals, there are no foreign exchange fees and are free forever. The first is slightly better, but also offers easy payments.
The issue of payments is usually a bit complicated. With some free credit cards, the benefits are too good to be true. Therefore, pay attention to the so-called episodes. This may be related to credit card payments and related charges. In addition to credit cards from direct banks such as Com Direct Credit Card or ING-DiBa Credit Card, there is also free
Without this fee. With other cards, you need to be careful as you may have to pay interest if you don’t repay your credit immediately. To prevent this, you must change the payment method to, for example, a monthly transfer.
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Tip: If you choose to pay in installments to refund your credit card fees, only a certain portion of your transaction will be charged to your account at the end of the month. The rest is bank credit and interest-bearing, which can quickly become expensive.
If you keep an eye on the different rates and make sure you choose a free visa forever
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