Credit Card for Foreigners
in Germany
Even without German citizenship - Blue Card, Visa and residence permits accepted
At a Glance
Foreigners in Germany can get free credit cards from N26, Vivid Money, Revolut, DKB, and Hanseatic Bank — most with 0€ annual fee and no foreign transaction fees. Cards like N26 and Revolut offer English-language apps and fast approval even without a German credit history.
How Foreigners in Germany Can Get a Credit Card
Getting a credit card as a foreigner in Germany is easier than many think. Whether you live in Germany with a work visa, EU Blue Card, family reunification or as an EU citizen - there are numerous options available.
Basic Requirements for Foreigners:
- Residence in Germany (registered address)
- Valid residence permit or EU passport
- German bank account (Girokonto)
- Regular income
Accepted Residence Permits:
- EU Blue Card
- Work Visa
- Settlement Permit
- Residence Permit
- EU Freedom of Movement
- Student Visa
Credit Cards for Foreigners
Find the perfect credit card for your situation
Benefits for Expats
Why a credit card in Germany is important
Car Rentals & Hotels
In Germany, credit cards are often required for deposits at car rentals and hotels - debit cards are frequently rejected.
Home Visits
Pay worldwide without foreign currency fees and withdraw cash for free in your home country.
Build Credit History
A positive Schufa history helps with future applications for apartments, mobile contracts or loans.
Business Travel
For business expenses at home and abroad, a credit card is often the only accepted payment method.
Purchase Protection
Protection for online purchases and fraud cases - especially important for international purchases.
Support Family
With a credit card, you can easily transfer money to your family abroad or buy gifts online.
Most Popular Credit Cards for Foreigners in Germany
These cards are known for accepting international applicants without a long German credit history.
| Provider | Annual Fee | FX Fee | Key Feature |
|---|---|---|---|
| N26 Standard | 0€ | 1.7% | English app, no Schufa needed to start |
| Vivid Money | 0€ | 0% | Cashback on purchases, multi-currency |
| Revolut | 0€ | 0%* | 30+ currencies, instant transfers |
| DKB Visa Debit | 0€ | 0% | Free cash withdrawal worldwide |
| Hanseatic GenialCard | 0€ | 0% | No foreign transaction fees anywhere |
| Wise | 0€ | 0.3-0.6% | Best for international transfers |
*Within monthly FX allowance. As of March 2026. Use the comparison tool above for the latest offers.
Credit Cards by Residence Status
EU Blue Card Holders
As a highly qualified professional with Blue Card, you have good chances for premium credit cards:
- High credit limit possible
- Gold and Platinum cards available
- Fast approval with good income
Work Visa / Residence Permit
With a temporary residence permit, there are some things to consider:
- Remaining visa duration is checked
- Unlimited work contract advantageous
- Prepaid cards as alternative
EU Citizens
As an EU citizen, you have free access to all financial products:
- Same rights as German citizens
- No special restrictions
- Registration sufficient for most providers
New to Germany
Just arrived? This is how you build your credit history:
- First use debit or prepaid card
- Apply for real credit card after 6 months
- N26 or Vivid as entry point
Frequently Asked Questions
Can foreigners get a credit card in Germany?
Yes, foreigners with residence in Germany can apply for a credit card. You need a valid residence permit, a registered address in Germany, a German bank account, and regular income.
What documents are required?
You need: Valid passport or ID, residence permit/visa, registration certificate (Meldebescheinigung), proof of income (salary slips), and possibly an employment contract.
Do I need a Schufa record as a foreigner?
Not necessarily. As a newcomer, you often have no Schufa record yet. Many banks also accept "thin files" (little credit history). Alternatively, there are prepaid credit cards without Schufa check.
What if my application is rejected?
Try a prepaid credit card (no credit check), a FinTech bank like N26 or Vivid, or wait 3-6 months and build your Schufa history. After some time you can apply again.
Get Your Credit Card Now
Over 50 providers compared - find the right card for your situation
CheckAlle.de is an independent comparison portal and partner of credit card providers.
Credit card offers are provided by partner banks. Our service is completely free for you.