Since more than a decade credit cards are no longer almost exclusively sold as a single product and use the option of credit card and checking account in the package, has increasingly become the default option for many banks.
Frequently offer credit cards that are connected to a checking account, also very good rates. They even often constitutes a type of bait will attract potential new customers with the bank for their checking accounts. This is why you should compare both the different providers of credit cards (with or without a checking account) in any case with each other – and not only in terms of cost – but also and especially in view of the additional services.
The basic fee for a credit card is the annual fee. This eliminates the meantime many offers in the first year, but rarely on time. The lure “first year free of charge” is particularly popular with suppliers of a checking account, credit card combination. Who wants a credit card that is permanently free of charge, make it again at the details. Another day in the relevant cost factor are the fees incurred in a cash withdrawal at an ATM. This is usually such that one can have for free only on the machine’s own bank cash, generated on all other machines, however fees. However, there are vendors in this area, where cash withdrawals at ATMs not only in Germany but even the world are free. This should be compared with the credit card that is also respected.
The application fees at home and abroad (non-cash payments by credit card) are normally free of charge for use of the euro area, in foreign currencies will almost continuous fees. Here again there are clear differences between service providers. In addition to the cost but also the soft power of the individual credit card differ significantly. Some card features only on payment functions such as cashless payments, and orders at the ATM, another turn, includes an insurance package. Quite a few providers also like to share rewards and rebate programs.