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Which Credit Cards Offer the Best Cashback in Germany in 2025?

Cashback credit cards are becoming increasingly popular in Germany as consumers look for smarter ways to save on everyday purchases. Whether you’re buying groceries, paying bills, or booking travel, the right cashback card can help you put money back into your pocket.

In this guide, we’ll explore which credit cards offer the best cashback in Germany in 2025, their features, pros, and who they are best suited for.

✅ Why Choose a Cashback Credit Card in Germany?

Cashback cards are simple: every time you spend, you earn a small percentage back—usually between 0.5% and 2%—either as credit on your account or as direct payouts.

Key benefits:

  • Earn rewards on everyday spending

  • Save on groceries, travel, and online shopping

  • Improve your credit history when used responsibly

  • Access bonus perks like insurance and travel benefits

🏆 Best Cashback Credit Cards in Germany (2025)

1. Barclaycard Visa

  • Cashback Rate: 1% unlimited worldwide

  • Annual Fee: €0

  • Highlights:

    • No foreign transaction fees

    • Free cash withdrawals worldwide

    • Accepted almost everywhere (Visa network)

  • Best For: Frequent travelers and international spenders

2. Payback American Express Card

  • Cashback Equivalent: Up to 1 point per €2 (redeemable for cashback, vouchers, or rewards)

  • Annual Fee: €0

  • Highlights:

    • Works with Germany’s largest loyalty program (Payback)

    • Exclusive Amex offers and promotions

    • Good for everyday shopping (groceries, fuel, pharmacy)

  • Best For: Shoppers who want both cashback and loyalty rewards

3. DKB Visa Debit with DKB-Cash Account

  • Cashback Rate: 0.5% to 1% with partner offers

  • Annual Fee: €0 (with active account)

  • Highlights:

    • Free worldwide payments & withdrawals (if “active customer”)

    • Cashback at select partner stores

    • Comes with a full current account

  • Best For: Everyday banking and occasional cashback seekers

4. GenialCard (Hanseatic Bank)

  • Cashback Rate: Up to 2% with online shopping partners

  • Annual Fee: €0

  • Highlights:

    • No annual fee, flexible repayments

    • Partner cashback deals via Hanseatic portal

    • Mobile app for spending control

  • Best For: Online shoppers in Germany

5. American Express Gold Card

  • Cashback Equivalent: Points system (redeemable for cashback, vouchers, or travel perks)

  • Annual Fee: €140 (first year often free or discounted)

  • Highlights:

    • Generous welcome bonus (sometimes worth €100+)

    • Premium travel & shopping insurance

    • High earning potential if you spend often

  • Best For: Frequent flyers and premium spenders

📊 Comparison at a Glance

Credit CardCashback/Rewards RateAnnual FeeBest For
Barclaycard Visa1% worldwide€0Travelers & international use
Payback Amex1 point per €2€0Everyday shoppers
DKB Visa (with account)0.5%–1% (partners)€0Daily banking + cashback
GenialCard (Hanseatic)Up to 2% (partners)€0Online shopping
Amex GoldPoints (varies)€140Frequent flyers & premium perks

📝 Tips to Maximize Cashback in Germany

  1. Always pay your balance in full – avoid interest charges that can outweigh cashback.

  2. Use cards where they’re accepted – Visa/Mastercard are more widely accepted than Amex in Germany.

  3. Check partner offers – some cards give extra cashback with select retailers.

  4. Combine with loyalty programs – stacking cashback with Payback, Miles & More, or supermarket cards boosts value.

🔑 Final Thoughts

The best cashback credit card in Germany depends on your lifestyle:

  • Barclaycard Visa → for travel and international use.

  • Payback American Express → for loyalty shoppers.

  • GenialCard → for heavy online shoppers.

  • Amex Gold → for those who want premium perks with higher spending.

By choosing wisely and paying responsibly, cashback credit cards can help you save money every single month.

Location: Germany

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