[{"data":1,"prerenderedAt":5735},["ShallowReactive",2],{"comparison-kreditkarte-ohne-girokonto":3},{"directusData":4,"page":5683,"uri":5733,"type":5734},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":15,"show_filter":16,"show_layout_toggle":16,"default_parameters":17,"default_filter_parameters":37,"items_filter":38,"custom_table_columns":42,"table_sort":152,"disclaimer":158,"selected_alt_product_name":37,"parent_awards":159,"award_highlight":162,"tags":37,"award_1_label":163,"award_4_label":164,"comparison":165,"user_created":4340,"award_1_item":4346,"award_4_item":4353,"award_2_label":244,"award_2_item":4360,"award_3_label":245,"award_3_item":4367,"items":4374,"table_columns":5653,"product_selection_title":171},54,"ohne-girokonto","Kreditkarte ohne Girokonto","\u003Ch2>Die besten Kreditkarten ohne Konto 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Es gibt hochwertige Kreditkarten, die aber an ein Girokonto gebunden sind. Andererseits existieren zahlreiche Kreditkarten, die eigenständig genutzt werden können, ohne ein zusätzliches Konto zu erfordern. In solchen Fällen dient das bestehende Girokonto als Referenzkonto, über das der Saldo weiterhin abgewickelt werden kann. Bei automatischer Abrechnung ist somit keine Überweisung auf ein separates Konto erforderlich. Die für dich am besten geeignete Option kannst du mithilfe dieses Kreditkarten-Vergleichs finden.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"key":12,"value":13,"icon":14,"label":12},"Befragte Personen","2.106","users",true,false,[18,22,26,30,33],{"title":19,"key":20,"value":21},"Betrag Kartenzahlung in Fremdwährung p.M.","monthlyForeignCardPayment","1000",{"title":23,"key":24,"value":25},"Abhebebetrag in Fremdwährung p.M.","monthlyForeignWithdrawal","300",{"title":27,"key":28,"value":29},"Anzahl Abhebungen in Fremdwährung p.M.","monthlyForeignWithdrawalCount","2",{"title":31,"key":32,"value":21},"Abhebebetrag in DE p.M.","monthlyWithdrawal",{"key":34,"value":35,"title":36},"monthlyWithdrawalCount","3","Anzahl Abhebungen in DE p.M.",null,[39],{"key":40,"filter":41},"credit_card_without_current_account","notempty",[43,51,54,58,62,66,72,76,80,84,90,97,102,106,112,117,122,127,130,133,138,141,145,149],{"label":44,"key":45,"type":46,"active":15,"options":47,"mobile_rank":50},"Kreditkarte","payment_card","image",[48,49],"transparent","full-width",-1,{"key":52,"label":53,"active":16,"type":52},"provider","Anbieter",{"key":55,"label":56,"type":57,"active":15},"label","Produkt","product",{"label":59,"key":60,"type":61,"active":15},"Angebot","url","cta",{"label":63,"key":64,"type":65,"active":15},"Gesamtkosten p.M.","total_costs","text",{"label":67,"key":68,"type":68,"active":15,"description":69,"options":70},"Kreditkarten-Test","rating","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTO1BnWtiMI7OAwsETcXrUro961ZykGFuvwLm1j7ubtqRnKOKsst3aoXvQOF0CuLEPxHEFj8zOCOU2U\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>",[71],"rating-adjusted",{"label":73,"key":74,"type":65,"active":15,"mobile_rank":75},"Kartengebühr (pro Jahr)","card_fee",1,{"label":77,"key":78,"type":65,"active":15,"description":79},"Einmalige Kosten","one_time_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zu den einmaligen Kosten zählen Ausstellungs- oder Versandkosten.\u003C\u002Fspan>\u003C\u002Fp>",{"label":81,"key":82,"type":46,"active":15,"description":83},"Kreditkartengesellschaft","credit_card_provider","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie hoch die Akzeptanz der Kreditkarte ist, hängt von der Kreditkartengesellschaft ab. Visa und Mastercard genießen in Europa vor American Express die höchste Akzeptanz. Seltener werden die Kreditkarten von Diners Club akzeptiert.\u003C\u002Fspan>\u003C\u002Fp>",{"label":85,"key":86,"type":65,"active":15,"filterable":15,"filter_type":65,"filter_options":87,"filter_condition":88,"description":89},"Kartentyp","card_type","Credit, Debit","contains","\u003Cp>\u003Cstrong>Prepaid-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> werden mit Guthaben aufgeladen. \u003C\u002Fspan>\u003Cstrong>Debit-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> werden sofort abgerechnet. Zu den echten Kreditkarten zählen Charge- und Revolving-Kreditkarten, da ein Kredit gewährt wird. Bei \u003C\u002Fspan>\u003Cstrong>Charge-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> wird der offene Betrag i.d.R. einmal im Monat vollständig eingezogen. Typisch für \u003C\u002Fspan>\u003Cstrong>Revolving-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> ist, dass die Rückzahlung in Raten voreingestellt ist. Auf die offenen Raten werden meist sehr hohe Zinsen fällig.\u003C\u002Fspan>\u003C\u002Fp>",{"label":91,"key":92,"type":93,"active":15,"options":94,"description":96},"Karte im Guthaben führen","rechargable","check",[95],"icons-filled","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zur Kreditkarte gehört entweder ein Giro- oder Kartenkonto. Das Girokonto kann selbstverständlich im Guthaben geführt werden. Auf einem Kartenkonto werden die Ausgaben aufgelistet und dann z.B. monatlich abgebucht. Bei manchen Anbietern kann man Geld auf das Kartenkonto überweisen. Falls die Kreditkarte im Guthaben geführt werden kann, können etwa Kreditzinsen vermieden oder das Kartenlimit erhöht werden.\u003C\u002Fspan>\u003C\u002Fp>",{"label":98,"key":99,"type":93,"active":15,"options":100,"description":101},"Vollständiger automatischer Ausgleich möglich","automatic_compensation",[95],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls lässt sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per Überweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollständige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden.\u003C\u002Fspan>\u003C\u002Fp>",{"label":103,"key":104,"type":65,"active":15,"description":105},"Effektiver Jahreszins","effective_annual_interest","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der effektive Jahreszins beinhaltet die jährlichen Gesamtkosten eines Kredits. Daher ist er in der Regel etwas höher als der Sollzins, der häufig ebenfalls angeben wird.\u003C\u002Fspan>\u003C\u002Fp>",{"label":107,"key":108,"type":93,"active":15,"options":109,"description":111},"Akzeptanz bei Kaution","acceptance_for_deposit",[110,95],"check-circle","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit einer Kreditkarte kann eine Kaution, z.B. für ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschließlich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":113,"key":114,"type":65,"active":15,"description":115,"mobile_rank":116},"Kosten Geld abheben in Euro","withdrawal_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Die Konditionen für das Abheben von Bargeld beziehen sich auf die Kosten bei der Bank oder der Kreditkartengesellschaft. Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",2,{"label":118,"key":119,"type":65,"active":15,"description":120,"mobile_rank":121},"Kosten Geld abheben in Fremdwährung","withdrawal_fees_foreign_currency","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zusätzlich zu den Kosten können Fremdwährungsgebühren anfallen. Diese sind im Tooltip angezeigt. Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",3,{"label":123,"key":124,"type":65,"active":15,"description":125,"mobile_rank":126},"Fremdwährungsgebühr","payment_fees_foreign_currency","\u003Cp>Bei Kartenzahlung und beim Abheben von Bargeld in Fremdwährung können zusätzliche Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fp>",4,{"label":128,"key":129,"type":46,"active":15},"Mobiles Bezahlen","contactless_payment_services",{"label":131,"key":132,"type":46,"active":15},"Online-Verwaltung","online_maintenance",{"label":134,"key":135,"type":136,"active":15,"description":137},"Kundenservice","customer_support","icons","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Kundenservice per Telefon oder Chat bezieht sich auf allgemeine Themen. Eine telefonische Sperrhotline fällt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",{"label":139,"key":140,"type":93,"active":16},"Mit Cashback","cashback",{"label":142,"key":143,"type":144,"filterable":15,"active":15},"Besondere Eigenschaften","special_features","features",{"label":146,"key":147,"type":148,"active":16},"Preis- und Leistungsverzeichnis","plv_link","link",{"label":150,"key":151,"type":65,"active":16,"filterable":16,"filter_type":65,"filter_options":37,"filter_condition":88},"Startprämie","starting_premium",[153,155],{"label":63,"key":64,"sort":154,"default_sort":16},"asc",{"label":156,"key":68,"sort":157,"default_sort":15},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Anbieter\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTO1BnWtiMI7OAwsETcXrUro961ZykGFuvwLm1j7ubtqRnKOKsst3aoXvQOF0CuLEPxHEFj8zOCOU2U\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp data-pm-slice=\"1 1 []\">*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[160,161],"award_2","award_3","0","Top Karte ohne Konto","Bis 3.500 Punkte",{"title":166,"slug":167,"date_updated":168,"factsheet":169,"product_selection_title":171,"default_parameters":172,"table_columns":178,"table_sort":240,"disclaimer":158,"award_1_label":243,"award_2_label":244,"award_3_label":245,"award_4_label":244,"user_created":246,"award_1_item":250,"award_2_item":265,"award_3_item":280,"award_4_item":295,"items":310},"Kreditkarten-Vergleich","kreditkarte","2026-07-09T10:15:16.469Z",[170],{"key":12,"value":13,"icon":14,"label":12},"Deine Kreditkarten Auswahl",[173,174,175,176,177],{"title":19,"key":20,"value":21},{"title":23,"key":24,"value":25},{"title":27,"key":28,"value":29},{"title":31,"key":32,"value":21},{"key":34,"value":35,"title":36},[179,181,182,183,184,185,190,193,194,195,197,201,205,209,213,214,217,219,222,225,226,230,232,235,237,238,239],{"label":44,"key":45,"type":46,"active":15,"options":180,"mobile_rank":50},[48,49],{"key":52,"label":53,"active":16,"type":52},{"key":55,"label":56,"type":57,"active":15},{"label":59,"key":60,"type":61,"active":15},{"label":63,"key":64,"type":65,"active":15},{"label":67,"key":68,"type":68,"active":15,"description":186,"options":187,"sortable":15,"sort_options":188},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTO1BnWtiMI7OAwsETcXrUro961ZykGFuvwLm1j7ubtqRnKOKsst3aoXvQOF0CuLEPxHEFj8zOCOU2U\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fspan>\u003C\u002Fp>",[],[189],"default_sort",{"label":73,"key":74,"type":65,"active":15,"mobile_rank":75,"sortable":16,"sort_options":191,"description":192},[],"\u003Cp>Wenn ein kostenpflichtiges Girokonto für die Karte notwendig ist, werden die Kosten des Girokontos angezeigt. \u003C\u002Fp>",{"label":77,"key":78,"type":65,"active":15,"description":79,"mobile_rank":37},{"label":81,"key":82,"type":46,"active":15,"description":83,"mobile_rank":37},{"label":85,"key":196,"type":65,"active":15,"description":89},"card_type_dropdown",{"label":198,"key":40,"type":93,"active":15,"options":199,"description":200},"Kein extra Girokonto nötig",[95],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Manche Kreditkarten lassen sich nur zusammen mit einem Girokonto abschließen. Achte hierbei darauf, ob für das Girokonto zusätzliche Kosten entstehen. Manche Karten lassen sich ohne Girokonto eröffnen, in diesem Fall kann man ein bestehendes Konto zur Abrechnung hinterlegen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":202,"key":92,"type":93,"active":15,"options":203,"description":204},"Karte dauerhaft im Guthaben führen",[95],"\u003Cp>Zur Kreditkarte gehört ein Giro- oder Kartenkonto. Das Girokonto kann im Guthaben geführt werden, während Belastungen auf dem Kartenkonto zu Schulden führen, die monatlich ausgeglichen werden. Bei manchen Anbietern kannst du Geld auf das Kartenkonto überweisen, um Zinsen zu vermeiden und das Kartenlimit zu erhöhen. Bei dauerhafter Führung im Plus kann es jedoch dazu kommen, dass du dein Guthaben abziehen musst oder dein Vertrag gekündigt wird.\u003C\u002Fp>",{"label":206,"key":99,"type":93,"active":15,"options":207,"description":208},"Vollständiger automatischer Ausgleich kostenlos möglich",[95],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls lässt sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per Überweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollständige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden. Das Ja\u002FNein-Symbol bezieht sich auf den Ausgleich von Kartenzahlungen und Überweisungen. Ob Sollzinsen bei Abhebungen anfallen und nur per Überweisung ausgeglichen werden können, zeigen wir im separaten Feld \"Keine Sollzinsen bei Abhebungen\" an.\u003C\u002Fspan>\u003C\u002Fp>",{"label":107,"key":108,"type":93,"active":15,"options":210,"description":212},[95,110,211],"cross-missing","\u003Cp>Mit einer Kreditkarte kann eine Kaution, z.B. für ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschließlich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen. Diese eingeschränkte Akzeptanz stellen wir mit einem grauen X dar.\u003C\u002Fp>",{"label":113,"key":114,"type":65,"active":15,"description":115,"mobile_rank":116},{"label":215,"key":216,"type":93,"active":15},"Keine Sollzinsen bei Abhebungen","interest_rate_on_withdrawals",{"label":118,"key":119,"type":65,"active":15,"description":218,"mobile_rank":121},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",{"label":220,"key":124,"type":65,"active":15,"description":221,"mobile_rank":126},"Gebühr für Zahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bei Kartenzahlung in Fremdwährung können Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":128,"key":129,"type":46,"active":15,"options":223},[224],"disable-tooltip",{"label":131,"key":132,"type":46,"active":15},{"label":227,"key":135,"type":136,"active":15,"description":228,"options":229},"Echtzeit-Support","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit Echtzeit-Support ist der Kundenservice per Telefon oder Chat gemeint. Wir zeigen den Support für allgemeine Themen an, eine telefonische Sperrhotline fällt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",[],{"label":103,"key":104,"type":65,"active":15,"description":231},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der effektive Jahreszins beinhaltet die jährlichen Gesamtkosten eines Kredits. Daher ist er in der Regel etwas höher als der Sollzins, der häufig ebenfalls angegeben wird.\u003C\u002Fspan>\u003C\u002Fp>",{"label":233,"key":234,"type":93,"active":15},"Versicherungen","insurances",{"label":236,"key":140,"type":93,"active":15},"Cashback",{"label":142,"key":143,"type":144,"filterable":15,"active":16},{"label":146,"key":147,"type":148,"active":16},{"label":150,"key":151,"type":65,"active":16,"filterable":16,"filter_type":65,"filter_options":37,"filter_condition":88},[241,242],{"label":63,"key":64,"sort":154,"default_sort":16},{"label":156,"key":68,"sort":157,"default_sort":15},"Beste Kreditkarte","75€ Bonus","100€ Bonus",{"first_name":247,"last_name":248,"avatar":249},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[251],{"item":252},{"id":253,"label":254,"url":255,"payment_card":256,"provider":260},13,"Bank Norwegian 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Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","\u003Cp>Für 2€ pro Monat einstellbar\u003C\u002Fp>","\u003Cp>Seit Februar 2026 ist aus Barclays die easybank geworden. Die Konditionen sind die gleichen geblieben. 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Die Punktegutschrift erfolgt 4–6 Wochen nach Kartenausstellung. Zusätzlich 20 € Wunschgutschein. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","1 Payback-Punkt für 3€ Umsatz (ausgenommen sind Tankstellenumsätze)","1.000 PAYBACK-Punkte für erfolgreiche Ausstellung der Karte und du darfst in den letzten 18 Monaten nicht Hauptkarteninhaber einer Payback American Express Karte gewesen sein. Die Punktegutschrift erfolgt 4–6 Wochen nach Kartenausstellung.","\u003Cp>Wechselkurs: American Express\u003C\u002Fp>","\u003Cp>zzgl. 2% Fremdwährungsgebühr\u003C\u002Fp>","\u003Cp>Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten möglich.\u003C\u002Fp>","\u003Cp>Voreingestellt (Lastschrifteinzugsermächtigung nötig)\u003C\u002Fp>","\u003Cul>\n\u003Cli>1 Payback-Punkt = 1 Cent\u003C\u002Fli>\n\u003Cli>eff. 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Membership Reward pro 1€ Umsatz, wenn Membership Rewards aktiviert sind (Kosten: 30€\u002FJahr)\u003C\u002Fp>","\u003Cp>Verkehrsmittel-Unfallversicherung\u003C\u002Fp>","\u003Cp>Tod: 50.000€\u003C\u002Fp>\n\u003Cp>Invalidität: 50.000€\u003C\u002Fp>\n\u003Cp>Vollinvalidität: 100.000€\u003C\u002Fp>\n\u003Cp>Entführungsgeld (24-72 Stunden): 2.500€\u003C\u002Fp>\n\u003Cp>Entführungsgeld (ab 72 Stunden): zusätzlich 5.000€\u003C\u002Fp>\n\u003Cp>Tod (Kinder unter 14 Jahren): 5.000€\u003C\u002Fp>","\u003Cp>Für 30€\u002FJahr\u003C\u002Fp>","\u003Cp>25€ Startguthaben bei min. 1.200€ Kartenumsatz in den ersten 6 Monaten. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","1 Membership Rewards Punkt pro 1€ Umsatz, wenn Membership Rewards aktiviert sind (Kosten: 30€\u002FJahr)","25€ Startguthaben bei mind. 1.200€ Kartenumsatz in den ersten 6 Monaten","\u003Cp>wenn Membership Rewards aktiviert sind (Kosten: 30€\u002FJahr)\u003C\u002Fp>","1 Membership Reward Punkt\u002F1€ Umsatz",[1382],{"feature":1377,"rating":15},[1384,1386],{"feature":1385,"rating":15},"Verkehrsmittel-Unfallversicherung",{"feature":1332,"rating":16},[337,498],[337,498],3.351,3.09,"25€ Startguthaben","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Famerican-express-blue-card","American Express Blue 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Dafür müssen monatlich mindestens 50€ in einen oder mehrere Sparpläne angelegt werden.","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Für eine physische Karte fallen einmalige Kosten an: 5€ für die Classic-Karte und 50€ für die Mirror-Karte. Bei einer virtuellen Karte entstehen keine einmaligen Gebühren."}\" data-sheets-userformat=\"{"2":835,"3":{"1":0},"4":{"1":3,"3":2},"9":0,"11":3,"12":0}\">Für eine physische Karte fallen einmalige Kosten an: 5€ für die Classic-Karte und 50€ für die Mirror-Karte. Bei einer virtuellen Karte entstehen keine einmaligen Gebühren. Gebühr muss nach Ablauf der Karte erneut gezahlt werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Wechselkurs: Visa"}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Wechselkurs: Visa"}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">\u003Cspan data-sheets-root=\"1\">Abhebungen ab 100€ kostenlos, sonst 1€ je Abhebung\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Abhebungen ab 100€ kostenlos, sonst 1€ je Abhebung\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Voreingestellt"}\" data-sheets-userformat=\"{"2":6979,"3":{"1":0},"4":{"1":3,"3":2},"9":0,"11":3,"12":0,"14":{"1":2,"2":0},"15":"Arial"}\">Voreingestellt\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Kostenloses Konto\u003C\u002Fp>","\u003Cp>1% vom Kartenumsatz wird in ausgewählten Sparplan investiert, bis zu 15€ p.M., wenn monatlich mindestens 50€ in einen oder mehrere Sparpläne angelegt werden.\u003C\u002Fp>","1% Saveback",[1434,1436],{"feature":1435,"rating":15},"Wechselgeld kann investiert werden",{"feature":1437,"rating":15},"2,25% Guthabenzins",[],[498,337],4.251,4.85,"999999","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Ftrade-republic-karte","Trade Republic 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zu 20€ p.M. auf ausgewählte Cashback-Kategorien (Voraussetzung: am Monatsende 1.000€ Guthaben oder 100€ Depotwert)","\u003Cp>\u003Cspan data-sheets-root=\"1\">19,99 € für das Ausstellen einer physischen Karte, für eine virtuelle Karte fallen keine einmaligen Kosten an\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>zzgl. 1% Fremdwährungsgebühr\u003C\u002Fp>\n\u003Cp>Max. 200€ p.M. (wobei min. 50€ pro Abhebung), danach 3% (min. 1€)\u003C\u002Fp>","\u003Cp>Max. 200€ p.M. (wobei min. 50€ pro Abhebung), danach 3% (min. 1€)\u003C\u002Fp>","\u003Cp>Girokonto kostenlos u.a. bei Gesamtguthaben von mind. 1.000€ am Monatsende, sonst 3,90€. p.M.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">1 Karte (physisch oder virtuell) kostenlos, 0,99€ monatliche Nutzungsgebühr für jede weitere Karte (physisch\u003C\u002Fspan>\u003Cspan data-sheets-root=\"1\"> oder\u003C\u002Fspan> \u003Cspan data-sheets-root=\"1\">virtuell)\u003C\u002Fspan>\u003C\u002Fp>",[498],[498],[1483],{"feature":1474,"rating":15},3.301,2.26,"1%","4","3%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fvivid-money-kreditkarte","Vivid 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Die Konditionen sind die gleichen geblieben. Die Karten werden automatisch bis spätestens Ende 2027 ausgetauscht.\u003C\u002Fp>",[1552,1553,1554],{"feature":1133,"neutral":15},{"feature":635,"neutral":15},{"feature":747,"neutral":15},[1556],{"feature":1557,"rating":15},"Reiseversicherung für die Familie mit Auslandsreisekrankenversicherung,  Reiserücktritts- und Reiseabbruchversicherung",[337,498],[337,498],[1561],{"feature":645,"rating":15},3.70079,2.28,"1,99%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fbarclaycard-gold-visa","easybank Kreditkarte 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Bonus bei Eröffnung des ersten Girokontos bis zum 30.06.2026. Nötig sind die Zustimmung zu \"Tipps für Sie persönlich\" sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten. Ab 28 Jahre: 1.000€ Geldeingang (auch bei Gemeinschaftskonten), unter 28 Jahren: 700€ Geldeingang (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","Bis zu 15% Cashback im ING-Portal DealWise bei über 800 Onlineshops","200€ Bonus bei Eröffnung des ersten Girokontos bis zum 30.06.2026. Nötig sind die Zustimmung zu \"Tipps für Sie persönlich\" sowie zwei aufeinanderfolgende monatliche Geldeingänge (auch in Teilbeträgen) in den ersten vier Monaten. Ab 28 Jahre: 1.000€ Geldeingang (auch bei Gemeinschaftskonten), unter 28 Jahren: 700€ Geldeingang (auch bei Gemeinschaftskonten mit einem Kontoinhabenden unter 28 Jahren). 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Jahr kostenlos \u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">im Inland ab 50€ gebührenfrei, im Ausland im europäischen Währungsraum (EWR) gebührenfrei, im EWR in Fremdwährung 2,25% Gebühr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{"1":2,"2":"Voreingestellt"}\" data-sheets-userformat=\"{"2":6723,"3":{"1":0},"4":{"1":2,"2":16777215},"9":0,"12":0,"14":{"1":2,"2":0},"15":"Arial"}\">Voreingestellt\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Girokonto Klassik kostenlos bei mind. 700€ Geldeingang, sonst 4,90€ p.M.\u003C\u002Fp>","\u003Cp>Im 1. Jahr ist die Karte (bei Erstbestellung) kostenlos.\u003C\u002Fp>",[337],[337],2.801,"2,25%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002F1822direkt-girokonto","1822direkt Visa Classic Kreditkarte","36€","https:\u002F\u002Fwww.1822direkt.de\u002Ffileadmin\u002FHome\u002FDokumente\u002FPDF\u002Fpv_aktuelle_Produkte_1822direkt.pdf","Karte im 1. 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Membership Reward für 1€ Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiserücktrittkosten-Versicherung bei Stornierungen durch Krankheit\u003C\u002Fli>\n\u003Cli>Reisekomfort-Versicherung bei Flug- oder Gepäckverspätungen\u003C\u002Fli>\n\u003Cli>Europaweiter Kfz-Schutzbrief bei Pannen im In- und Ausland\u003C\u002Fli>\n\u003Cli>Verkehrsmittel-Unfallversicherung\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage Rückgaberecht\u003C\u002Fli>\n\u003Cli>Auslandsreise-Krankenversicherung für medizinische Hilfe im Ausland\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Pannenhilfe in Europa ab 50 km vom Wohnort\u003C\u002Fp>","\u003Cp>Max. 5.000€\u002FPerson\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10%, mind. 100€\u003C\u002Fp>","\u003Cp>Flugverspätung >4h: 175€\u003C\u002Fp>\n\u003Cp>Gepäckverspätung >6h: 325€, >48h: 475€\u003C\u002Fp>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Tod: 400.000€\u003C\u002Fp>\n\u003Cp>Invalidität: max. 800.000€ (je nach Grad)\u003C\u002Fp>\n\u003Cp>Entführungsgeld (24-72 Stunden): 2.500€\u003C\u002Fp>\n\u003Cp>Entführungsgeld (ab 72 Stunden): zusätzlich 5.000€\u003C\u002Fp>\n\u003Cp>Tod (Kinder unter 16 Jahren): 15.000€\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>Unbegrenzt\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100€, max. 500€)\u003C\u002Fp>\n\u003Cp>Für Reisen von max. 62 Tagen\u003C\u002Fp>\n\u003Cp>Max. 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","\u003Cp>20€ p.M.\u003C\u002Fp>","\u003Cul>\n\u003Cli>Karte kostet 11,67€\u002FMonat\u003C\u002Fli>\n\u003C\u002Ful>",[2064,2065],{"feature":1133,"neutral":15},{"feature":2066,"neutral":15},"Selbstbehalt 10%, mind. 100€",[2068],{"feature":2069,"rating":15},"1 Membership Reward Punkt pro 1€ Umsatz",[2071],{"feature":2072,"rating":15},"Amex Offers für weitere Nachlässe, Gutschriften oder zusätzliche Punkte",[2074,2076],{"feature":2075,"rating":15},"Umfassende Versicherungen, Zusatzleistungen und Bonusprogramme",{"feature":1332,"rating":16},[337,498],[337,498],2.98,"80€ Startguthaben","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Famerican-express-kreditkarte-gold-card","American Express Gold Card","240€","2023-04-05T12:52:11.061Z",[2086,2088],{"label":354,"logo":2087},{"id":356,"filename_download":357},{"label":359,"logo":2089},{"id":361,"filename_download":362},[2091],{"label":1352,"logo":2092},{"id":1354,"filename_download":1355},[2094,2096,2098],{"label":371,"logo":2095},{"id":373,"filename_download":374},{"label":376,"logo":2097},{"id":378,"filename_download":379},{"label":381,"logo":2099},{"id":383,"filename_download":384},{"id":2101,"label":2102,"status":348,"date_updated":2103,"date_created":2104,"user_created":351,"user_updated":485,"image":2105},46,"American Express Gold","2024-04-17T16:30:12.509Z","2023-04-05T14:48:40.173Z",{"id":2106,"filename_download":2107},"e555baf3-a8d5-49d1-a9b8-5c0d030a0835","american 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im Krankheitsfall\u003C\u002Fli>\n\u003Cli>Auslandsreise-Krankenversicherung und Reiseunfallversicherung\u003C\u002Fli>\n\u003Cli>Reisekomfort-Versicherung für Flug- oder Gepäckverspätungen\u003C\u002Fli>\n\u003Cli>Mietwagen-Versicherung bei Schäden sowie europaweiter KFZ-Schutzbrief bei Pannen im In- und Ausland\u003C\u002Fli>\n\u003Cli>Privathaftpflicht- und Prozesskosten-Versicherung auf Reisen\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage Rückgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Pannenhilfe in Europa ab 50 km vom Wohnort und Kostenübernahme für Übernachtung\u002FWeiterreise\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>Vollkasko bis 75.000€\u003C\u002Fp>\n\u003Cp>Haftpflicht bis 750.000€ (1 Mio. USD in USA)\u003C\u002Fp>\n\u003Cp>200€ Selbstbehalt\u003C\u002Fp>","\u003Cp>Max. 3.000€\u002FReise\u003C\u002Fp>\n\u003Cp>750€\u002FGegenstand\u003C\u002Fp>\n\u003Cp>750€ für Geld\u002FDokumente\u003C\u002Fp>\n\u003Cp>10% Selbstbeteiligung (min. 100€)\u003C\u002Fp>","\u003Cp>Max. 6.000€\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100€)\u003C\u002Fp>","\u003Cp>Flugverspätung >4h: 200€\u003C\u002Fp>\n\u003Cp>Gepäckverspätung >4h: 400€, >48h: zusätzlich 400€\u003C\u002Fp>","\u003Cp>In Reise-Unfallversicherung enthalten\u003C\u002Fp>","\u003Cp>Invalidität: 75.000€ (anteilig nach Grad)\u003C\u002Fp>\n\u003Cp>Tod: 75.000€\u003C\u002Fp>\n\u003Cp>Tod (Kinder bis 16 Jahren): 15.000€\u003C\u002Fp>","\u003Cp>Unbegrenzt\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100€, max. 500€)\u003C\u002Fp>\n\u003Cp>Für Reisen von max. 120 Tagen\u003C\u002Fp>\n\u003Cp>Max. Alter: 80 Jahre\u003C\u002Fp>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Beschädigung\u003C\u002Fp>\n\u003Cp>Max. 2.000€\u002FFall\u003C\u002Fp>\n\u003Cp>Max. 10.000€\u002FJahr\u003C\u002Fp>\n\u003Cp>50€ Selbstbehalt\u003C\u002Fp>","\u003Cp>Auslandsreise-Haftpflichtversicherung\u003Cbr>Ausbildungslückenjahr-Versicherung\u003C\u002Fp>","\u003Cp>Nur 1 Platinum Zusatzkarte. Die restlichen Karten sind American Express Cards und American Express Gold Cards.\u003C\u002Fp>","\u003Cp>160 € nach 6.000 € Kartenumsatz und 180 € nach zusätzlichen 4.000 € Kartenumsatz. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","1 Membership Reward Punkt pro 1€ Umsatz; 200€ Online-Reiseguthaben (jährlich); 200€ Sixt-Guthaben (jährlich); 150€ Restaurantguthaben (jährlich); 90€ Shoppingguthaben (jährlich)","160 € nach 6.000 € Kartenumsatz und 180 € nach zusätzlichen 4.000 € Kartenumsatz. Weitere Konditionen auf der Seite des Anbieters.","\u003Cp>Oder 60€\u002FMonat\u003C\u002Fp>","\u003Cul>\n\u003Cli>Karte kostet 60€\u002FMonat\u003C\u002Fli>\n\u003C\u002Ful>",[2128,2130],{"feature":2129,"neutral":15},"Max. 6.000€",{"feature":1957,"neutral":15},[2132],{"feature":2069,"rating":15},[2134,2136,2138,2140],{"feature":2135,"neutral":16,"rating":15},"Zugang zu Flughafen Lounges (Priority Pass)",{"feature":2137,"neutral":16,"rating":15},"Status-Upgrades bei 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Cashback bei Booking","\u003Cp>zzgl. 2,99% Fremdwährungsgebühr\u003C\u002Fp>",[337,498],[337,498],[2436,2437],{"feature":2431,"rating":15},{"feature":2438,"rating":15},"Weitere Rabatte über den Extra Club",2.80075,2.14,"2,99%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fnovum-bank","Bank DiMare Extra Karte","24,60%","3% (min. 3€)","2026-07-20T11:35:00.906Z","2023-09-24T15:42:21.242Z",[2449,2451],{"label":354,"logo":2450},{"id":356,"filename_download":357},{"label":359,"logo":2452},{"id":361,"filename_download":362},[2454],{"label":666,"logo":2455},{"id":668,"filename_download":669},[2457,2459,2461],{"label":371,"logo":2458},{"id":373,"filename_download":374},{"label":376,"logo":2460},{"id":378,"filename_download":379},{"label":381,"logo":2462},{"id":383,"filename_download":384},{"id":2464,"label":2443,"status":348,"date_updated":2465,"date_created":2466,"user_created":791,"user_updated":792,"image":2467},105,"2026-07-20T11:35:00.902Z","2023-10-12T12:34:17.742Z",{"id":2468,"filename_download":2469},"38121f1c-2ad1-4f80-a32d-0a2f3173fe3d","novum bank extra 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Eröffnung bis zum 30.06.2026 erhältst du bis zu 30€ Bonus. 15€\u003Cstrong id=\"docs-internal-guid-bf58574b-7fff-2850-3e0c-fa25891777f1\"> \u003C\u002Fstrong>Startguthaben erhältst du, wenn die Karte zum Zeitpunkt der Auszahlung weder gekündigt noch storniert ist. Weitere 15€ Bonusguthaben gibt es, wenn du innerhalb von 15 Tagen nach Eröffnung mindestens drei Transaktionen mit einer Gesamthöhe von mindestens 15€ tätigst. Die Auszahlung des Startguthabens sowie des Bonusguthabens erfolgt innerhalb von sechs Wochen nach Durchführung der dritten Transaktion. Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","Rabatt bis zu 7% bei Urlaubsplus","Bei Eröffnung bis zum 30.06.2026 erhältst du bis zu 30€ Bonus. 15€ Stateguthaben erhältst du, wenn die Karte zum Zeitpunkt der Auszahlung weder gekündigt noch storniert ist. Weitere 15€ Bonusguthaben gibt es, wenn du innerhalb von 15 Tagen nach Eröffnung mindestens drei Transaktionen mit einer Gesamthöhe von mindestens 15€ tätigst. Die Auszahlung des Startguthabens sowie des Bonusguthabens erfolgt innerhalb von sechs Wochen nach Durchführung der dritten Transaktion. Weitere Konditionen auf der Website des Anbieters.","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Wechselkurs: Visa"}\" data-sheets-userformat=\"{"2":771,"3":{"1":0},"4":{"1":2,"2":16770457},"11":3,"12":0}\">Wechselkurs: Visa\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>Bei teilnehmenden Händlern (Müller, dm, Rossmann etc.) kann man ab einem bestimmten Mindest-Einkaufswert kostenlos Geld abheben. Im Ausland kostenlos.\u003C\u002Fp>","\u003Cp>Bei Nutzung von Teilzahlung (flexibel einstellbar).\u003C\u002Fp>",[2479],{"feature":2480,"rating":15},"Angebotswelt der Hanseatic Bank mit Gutscheinen für Zalando, Lieferando u.v.m.",[2482],{"feature":2483,"rating":15},"Weitere Gutscheine in der Angebotswelt der Hanseatic Bank",[337],[337],[2487],{"feature":455,"rating":15,"neutral":16},"Bis 30€ Bonus","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fde-kreditkarte-classic","Deutschland Kreditkarte Classic","Bis 30€","2024-01-29T16:49:57.179Z",[2494,2496],{"label":354,"logo":2495},{"id":356,"filename_download":357},{"label":359,"logo":2497},{"id":361,"filename_download":362},[2499],{"label":365,"logo":2500},{"id":367,"filename_download":368},[2502,2504,2506],{"label":371,"logo":2503},{"id":373,"filename_download":374},{"label":376,"logo":2505},{"id":378,"filename_download":379},{"label":381,"logo":2507},{"id":383,"filename_download":384},{"id":2509,"label":2490,"status":348,"date_updated":2510,"date_created":2511,"user_created":1446,"user_updated":1446,"image":2512},108,"2024-01-29T16:52:32.629Z","2024-01-29T16:51:13.058Z",{"id":2513,"filename_download":2514},"ac7a7c5f-b019-4ed1-86a1-67982700f9d8","deutschland-kreditkarte-classic.png",{"item":2516},{"automatic_compensation":15,"rechargable":16,"credit_card_without_current_account":15,"interest_rate_on_withdrawals":15,"gold_card":37,"without_schufa":16,"cashback":15,"acceptance_for_deposit":15,"travel_luggage_insurance":16,"trip_cancellation_interruption_insurance":16,"travel_comfort_insurance":15,"international_travel_health_insurance":16,"travel_accident_insurance":16,"purchase_protection":15,"extended_return_policy":15,"membership_rewards":15,"combined_max_free_withdrawals":16,"combined_free_withdrawals":16,"public_transport_accident_insurance":15,"car_assistance_program":16,"rental_car_insurance":16,"kids_parental_control":16,"cashback_for_all_transactions":15,"proof_of_address":37,"ready_for_immediate_use":37,"loyality_points":15,"insurances":15,"has_bonus":15,"provider":1314,"id":1934,"sort_index":445,"cash_limit_per_month":37,"cash_limit_per_week":2517,"cash_limit_per_day":1227,"proof_of_address_description":37,"ready_for_immediate_use_description":37,"loyality_points_value":2518,"loyality_points_description":37,"insurances_value":2519,"insurances_description":37,"car_assistance_program_value":37,"rental_car_insurance_value":37,"travel_luggage_insurance_value":37,"trip_cancellation_interruption_insurance_value":37,"travel_comfort_insurance_value":2520,"public_transport_accident_insurance_value":2521,"travel_accident_insurance_value":37,"international_travel_health_insurance_value":37,"purchase_protection_value":2522,"extended_return_policy_value":1317,"public_transport_accident_insurance_description":37,"additional_insurances_description":37,"car_assistance_program_description":37,"rental_car_insurance_description":37,"travel_luggage_insurance_description":37,"trip_cancellation_interruption_insurance_description":37,"travel_comfort_insurance_description":37,"international_travel_health_insurance_description":37,"travel_accident_insurance_description":37,"purchase_protection_description":37,"extended_return_policy_description":37,"amount_extra_cards_description":37,"membership_rewards_description":37,"total_costs_description":37,"interest_rate_on_withdrawals_description":37,"additional_callout_description":2523,"card_type_description":37,"without_schufa_description":37,"cashback_description":2069,"one_time_fees_description":37,"starting_premium_description":37,"contactless_payment_services_description":37,"payment_fees_foreign_currency_description":1321,"withdrawal_fees_foreign_currency_description":1322,"withdrawal_fees_description":2524,"effective_annual_interest_description":37,"automatic_compensation_description":2525,"rechargable_description":37,"credit_card_without_current_account_description":37,"card_fee_description":2526,"label_description":37,"kids_parental_control_description":37,"kids_age_description":37,"cashback_for_all_transactions_value":2527,"cashback_for_all_transactions_description":1380,"conditions_trip_cancellation_interruption_insurance":37,"loyality_points_miles":2528,"additional_perks":2531,"kids_special_features":37,"special_features":37,"customer_service":37,"kids_requirements":37,"customer_support":2534,"cashback_features":37,"rating":2254,"kids_rating":37,"cashback_rating":2535,"kids_url":37,"kids_age":37,"card_type_dropdown":407,"card_type_dropdown_description":37,"min_withdrawal_fee_foreign":410,"max_withdrawal_fee_foreign":37,"percentage_fee_card_payment_foreign":700,"cond_free_card_payment_foreign_cost_above":37,"percentage_fee_card_payment_foreign_other":37,"free_withdrawals_count":162,"amount_extra_cards":1337,"additional_insurances":37,"free_withdrawals_count_foreign":162,"max_free_withdrawals_foreign":37,"flat_withdrawal_fee_foreign":162,"percentage_withdrawal_fee_foreign":1154,"additional_callout":2536,"max_free_withdrawals":37,"flat_withdrawal_fee":162,"percentage_withdrawal_fee":1154,"min_withdrawal_fee":410,"max_withdrawal_fee":37,"url":2537,"label":2538,"card_fee":2539,"effective_annual_interest":414,"withdrawal_fees":1341,"withdrawal_fees_foreign_currency":1341,"payment_fees_foreign_currency":700,"plv_link":37,"starting_premium":37,"plv_link_description":37,"one_time_fees":343,"card_type":347,"status":348,"date_updated":417,"date_created":2540,"user_created":465,"user_updated":351,"contactless_payment_services":2541,"credit_card_provider":2546,"online_maintenance":2549,"payment_card":2556},700,"\u003Cp>1 Membership Reward pro 1€ Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiseversicherung bei Flug- oder Gepäckverspätung\u003C\u002Fli>\n\u003Cli>Verkehrsmittel-Unfallversicherung\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage Rückgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Flugverspätung >4h: 125€, Gepäckverspätung >6h: 225€, >48h: 325€\u003C\u002Fp>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Tod: 112.500€, Invalidität: 112.500€, Vollinvalidität: 225.000€, Bergungskosten: 10.000€, Krankenhaustagegeld: 26€, Entführungsgeld (24-72 Stunden): 2.500€, Entführungsgeld (ab 72 Stunden): zusätzlich 5.000€, Tod (Kinder unter 14 Jahren): 5.000€\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Beschädigung, max. 550€\u002FFall, max. 3.100€\u002FJahr, 50€ Selbstbehalt\u003C\u002Fp>","\u003Cp>40€ Startguthaben bei mind. 2.000€ Kartenumsatz in den ersten 6 Monaten. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten möglich."}\" data-sheets-userformat=\"{"2":6915,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0,"14":{"1":2,"2":0},"15":"Roboto, RobotoDraft, Helvetica, Arial, sans-serif"}\">Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. 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href=\"\u002Fvergleich\u002Fkreditkarte\u002Fprepaid\u002F\" class=\"app-link\">Prepaid-Kreditkarten\u003C\u002Fa>\u003C\u002Fli>\r\n \t\u003Cli>\u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002Fgold\u002F\" class=\"app-link\">Goldene Kreditkarten\u003C\u002Fa>\u003C\u002Fli>\r\n\u003C\u002Ful>",[5708,5711,5713],{"title":5709,"link":5710},"Vergleich","\u002Fvergleich\u002F",{"title":44,"link":5712},"\u002Fvergleich\u002Fkreditkarte\u002F",{"title":5714,"link":408},"Ohne Girokonto","cG9zdDozMDcwMjE0",{"__typename":5717,"metaDesc":5718,"opengraphType":5719,"opengraphTitle":5720,"opengraphSiteName":5721,"opengraphImage":5722,"metaRobotsNoindex":5729,"metaRobotsNofollow":5730,"opengraphDescription":5718,"opengraphModifiedTime":5731,"opengraphPublishedTime":408,"twitterTitle":408,"twitterDescription":408,"title":5720,"readingTime":5690},"PostTypeSEO","Finde die beste Kreditkarte, ohne ein separates Girokonto. 35+ Kreditkarten im Vergleich ✓ Kostenlose Kreditkarten mit Startprämien ✓","article","Kreditkarten ohne Girokonto 2026: Vergleich 07\u002F2026","Finanzfluss",{"__typename":5723,"sourceUrl":5724,"mediaDetails":5725},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F08\u002Fkreditkarte-ohne-girokonto-vergleich.jpg",{"__typename":5726,"width":5727,"height":5728},"MediaDetails",1280,720,"index","follow","2024-12-20T12:42:54+00:00","Kreditkarten ohne Girokonto 2026","\u002Fvergleich\u002Fkreditkarte\u002Fohne-girokonto\u002F","sub-comparison",1784640735195]