The best credit cards in Berlin – Overview
There are so many credit cards issued by different banks and with different costs and loyalty programs that it is easy to lose overview.
But with our help you will find the best credit card for your current situation and needs. See our recommendations based on costs and service for each credit card.
When opening a DKB cash account (current account) you will automatically also get a free debit card and a free DKB Visa credit card. Yes, you read correctly, both the credit card and the debit card are completely free of charge at DKB.
DKB has won several tests in leading German consumer magazines as best (direct) bank and that not for no reason. Here are some of the biggest plus points for signing up with DKB for a credit card:
- Get cash out for free at any ATM worldwide
- Free partner card
- Very good interest rates for money on credit card account
- Extra safety thanks to ‘Verified by Visa’
These all are reasons why the DKB Visa credit card is widely referred to as the best credit card in Berlin. Especially the point that you can get cash without any fees at any ATM in Berlin comes in very handy.
Usually if you sign up with a traditional bank you can only get out cash at their branches or their own ATMs. But unfortunately Berlin is missing a dense net of ATMs, so with your DKB Visa credit card you don’t have to worry about that.
In the past we heard that comdirect is not as strict as DKB to accept people with lower monthly income when applying for a credit card. So if you are rejected by DKB our second choice would be Comdirect.
When signing up for a current account with comdirect you will automatically, similar to DKB cash, get a free Visa card and debit card. Comdirect is also strictly online, which is why they can offer better conditions than traditional banks. Some of the plus points of signing up with comdirect are:
- Withdraw cash at any ATM for free worldwide with their Visa credit card
- Current account and credit card free of charge
- No minimum monthly income required for free of charge current account
As mentioned before Berlin does not have too many ATMs around so you will thank us later when you are running out of cash and are on the search for the nearest ATM. Any money withdraw is for free no matter to which bank that ATM belongs to with your Comdirect Visa credit card.
Paying with your credit card
Anybody coming from countries like the US or Brazil will be shocked to find out how difficult it is to pay in shops with your credit card. You might think Germany is a very modern country, but when it comes to paying with credit cards it is really far behind.
Basically no major supermarket or fast food chain accepts payments by credit card in Germany. The situation is even worse in Berlin where not even the most expensive restaurants might accept credit cards. If you are planning on going for dinner make sure to check on the website if credit cards are accepted.
In general Visa and Mastercard are the best credit cards in Berlin. If you are trying to pay with your American Express credit card you will have a very hard time in Berlin. Most places only accept both Visa or Mastercard, only few shops also take American Express.
Our tip is to always carry around enough cash in case you can’t pay with credit card or at least make sure to know where the next ATM is so that you can get out cash for free.
Credit card vs debit card
Even with all those limitations having a credit card in Berlin comes in very handy. Getting out cash is for free (at least with DKB and comdirect credit cards) and almost all online shops in Germany accept credit cards as matter of payment.
Debit cards (called EC-Karte in German) come in very handy for paying without cash. Most supermarkets, restaurants or gas stations accept payments by debit card. With DKB and comdirect you get a free debit card as well so make sure to always carry both your debit card (for paying cashless) and credit card (getting out cash at ATMs for free) around with you. Continue reading if you are interested in more details about DKB and other banks in Berlin.