Best Travel Rewards Credit Cards in Germany
Choosing the right travel rewards credit card in Germany depends on your travel habits and financial goals. Here are some of the top options, each offering unique benefits.
TF Bank Mastercard Gold – No Annual Fee & Travel Perks
The TF Bank Mastercard Gold is a top choice for frequent travelers, mainly because it has no annual fee and no foreign transaction fees. This makes international spending more cost-effective.
The card also includes free overseas travel insurance, covering trip cancellations and medical emergencies, provided that at least 50% of the trip cost is charged to the card. However, while ATM withdrawals are free, interest applies immediately, so it’s important to repay withdrawals quickly to avoid extra charges.
Eurowings Premium Credit Card – Best for Lufthansa Group Flyers
For those flying frequently with Eurowings or other Lufthansa Group airlines, the Eurowings Premium Credit Card offers excellent rewards. Cardholders earn one mile per €2 spent, helping them accumulate points for future travel.
Additionally, the card eliminates foreign transaction fees and provides free global ATM withdrawals. It includes comprehensive travel insurance, covering medical emergencies, trip cancellations, and rental car insurance. Extra perks include priority check-in, fast-track security, free seat reservations, and complimentary transport of sports equipment on Eurowings flights.
American Express Gold Card – Strong Rewards & Travel Benefits
The American Express Gold Card costs €12 per month, but it comes with a valuable rewards program. Cardholders earn points on every purchase, which can be transferred to airline and hotel partners for easy redemption.
It also includes extensive travel insurance, covering trip cancellations, worldwide travel health, and transportation accidents. Additional perks include Priority Pass discounts for airport lounge access and rental car privileges with SIXT, Avis, and Hertz. However, keep in mind that American Express is not as widely accepted as Visa or Mastercard in some regions.
awa7® Visa – Eco-Friendly Travel Card
For those looking for a sustainable credit card, the awa7® Visa is a great option. It has no annual fee or foreign transaction fees, making it an affordable choice for travelers.
Most importantly, for every €100 spent, the issuer plants a tree, allowing cardholders to contribute to environmental protection. The card also offers optional travel insurance at a low monthly cost for additional security while traveling.
Hilton Honors Credit Card – Ideal for Hilton Hotel Guests
Frequent Hilton hotel guests can benefit from the Hilton Honors Credit Card, which comes with a €72 annual fee. Cardholders earn 1 Hilton Honors point per €1 spent and 2 points per €1 spent at Hilton hotels.
The card also grants automatic Gold Status, which includes free breakfast, room upgrades, and late check-out. It offers comprehensive travel insurance and no foreign transaction fees, making it a solid choice for loyal Hilton travelers.
Choosing the Right Travel Credit Card
The best travel credit card depends on your travel habits, spending patterns, and brand preferences. Consider factors such as annual fees, foreign transaction charges, reward programs, and additional perks before making a decision.