Credit cards are gradually becoming more and more popular in Germany, after their popularity in everyday payment transactions was previously limited to abroad. As more and more people want to have a credit card, the offers for credit cards are increasing – and of course for free credit cards.
Consumers have to be careful – just because a credit card appears to be free at first glance does not mean that it is actually free. There are credit cards that are 100% free, but these offers are rare and you have to look for them.
Free credit cards
The Lite Lender offers a free credit card, for example, in connection with an Internet account. It is a Visa card: credit interest 1.65% pa, which is comparatively high, the loan is interest-free or debit-free for 4 weeks. There is no permanent annual fee, the card holder can withdraw money free of charge, worldwide. He receives a free internet account with a debit card and partner card, and the account statements are free of charge.
An alternative to the Lite Lender credit card would be the comdirect visa card: New customers receive 50 USD as a welcome gift, there is no annual fee. If you are not satisfied with the offer after a year, you will receive 100 USD from the bank. As with the Lite Lender offer, the credit card itself is linked to a free current account, which is also accompanied by a free EC card. With the comdirect Visa card, cardholders can withdraw money worldwide free of charge.
Credit cards with attractive bonus programs
Many credit cards are only free of charge in the first year of use, then in the second year there is an annual fee, which is usually around 20 or 30 USD. It may be worth buying this annual fee and benefiting from attractive bonus programs – but the extent to which it actually pays always depends on the cardholder’s personal buying behavior.
A good example of a credit card with a bonus program is the Amazon credit card: it is a full-fledged visa card, in the first year there is no annual fee, which is $ 20 on the second year of use. When paying or shopping, the cardholder collects points, with one point per USD sales, two points on Amazon. If you have reached 1000 points, you will receive a 10 USD voucher, there is a similar program for the Ebay credit card in connection with Paypal.