Especially when traveling a credit card is very helpful. It can easily be used to rent a car, pay for a hotel, book a flight or order something online. Usually banks charge a yearly fee (e.g. 29€) for a credit card and sometimes you will have a fee for paying in another currency or using it in another country. Luckily there is an offer from Advanzia Bank, which gives you a completely free Mastercard Gold! There is no fee whatsoever, it is completely free to use.
- No yearly fee
- No shipping fee
- Free phone support (0800 880 1120)
- Free billing
- Free replacement card
- Free international usage
The only fee occurs when drawing cash from an ATM, but any other payment is free of charge.
I can really recommend to check out their offer and request a free credit card, I have been personally using one for over two years and I have never had any problems.
Normally, the first credit limit is 300€ per month, but after a few months of on time payment this limit will be increased to over 3000€. After two years, my limit is now 5000€ per month.
You also don’t need a new bank account, you just have to wire the money from your existing bank account to your credit card account. Additionally, the credit period is up to seven weeks.
As a special bonus, if you pay at least 50% of your traveling cost with your MasterCard Gold, you will get a free travel insurance.
If you like to pay digitally with Google Pay and Apple Pay, you should rather look into the free Mastercard from N26: They offer their online banking and app completely in English and they support Google Pay in Germany and also Apple Pay once it is launched in late 2018.
How To Order:
Fill out your personal details: First Name, Last Name, Nationality, ZIP code, City, Street, Street number, date of birth, place of birth, place of residence, e-mail address (Note: Your name needs to be on the mailbox at that address and you need to fill out all details correctly, otherwise your order will be invalid.)
Fill out the questionnaire about your financial situation. “Nettoeinkommen” refers to your monthly net income, “Betriebszugehörigkeit” refers to the time that you have been working in your company, “Beruf” is your profession – if you don’t understand the German expressions, you can select “other/ Sonstige”. “Wohnart” means if you live in your own property or if you are renting it. Then select if you already have any credit cards, if not select “Keine”. You don’t need to select “Zahlungsschutz”, because it is usually not necessary and it will cost you extra.
and then confirm by clicking the button “Jetzt senden” :
That’s it! You will receive your credit card via mail.
If you need any help, just contact us at firstname.lastname@example.org.
Alternatively, have a look at the N26 Mastercard. It is also completely free and supports Google Pay in Germany. It will also be among the few banks in Germany that will support Apple Pay once it is launched in Germany in late 2018. N26 is the first German digital bank, which offers all its services through an app and through their website. A great advantage for foreigners: The app and online banking are available in English as well!