[{"data":1,"prerenderedAt":5495},["ShallowReactive",2],{"comparison-kreditkarte-ohne-schufa":3},{"directusData":4,"page":5013,"uri":5493,"type":5494},{"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":162,"disclaimer":168,"selected_alt_product_name":37,"parent_awards":169,"award_highlight":173,"tags":37,"award_1_label":174,"comparison":175,"user_created":4348,"award_1_item":4351,"award_2_label":251,"award_2_item":4361,"award_3_label":252,"award_3_item":4368,"award_4_label":251,"award_4_item":4375,"items":4382,"table_columns":4979,"product_selection_title":181},10,"ohne-schufa","Kreditkarte ohne Schufa","\u003Ch2>Beste Kreditkarten ohne Schufa 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Kreditkarten erleichtern das Bezahlen &ndash; egal, ob du online einkaufen oder vor Ort bargeldlos bezahlen m&ouml;chtest. Doch nicht jeder erh&auml;lt problemlos eine solche Karte bei seiner Bank. Oftmals scheitert es an der Schufa-Pr&uuml;fung. Bei Kreditkarten ohne Schufa entf&auml;llt diese hingegen. Vergleiche, welche Kreditkarte ohne Schufa f&uuml;r dich am besten geeignet ist.\u003C\u002Fp>","2026-07-01T09:12:04.771Z",[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},"without_schufa","notempty",[43,51,54,58,62,66,72,76,79,84,88,94,100,105,110,114,120,125,129,134,137,140,145,148,151,155,159],{"label":44,"key":45,"type":46,"active":15,"options":47,"mobile_rank":50},"Kreditkarte","payment_card","image",[48,49],"transparent","full-width",-1,{"label":52,"key":53,"type":53,"active":16},"Anbieter","provider",{"label":55,"key":56,"type":57,"active":15},"Produkt","label","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,"sortable":15,"sort_options":69,"description":71},"Kreditkarten-Test","rating",[70],"default_sort","\u003Cp>Wenn du wissen m&ouml;chtest, wie wir getestet haben, dann kannst du dir&nbsp;\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>",{"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},"Einmalige Kosten","one_time_fees",{"label":80,"key":81,"type":82,"active":15,"mobile_rank":83},"Karte sofort einsatzbereit","ready_for_immediate_use","check",3,{"label":85,"key":86,"type":46,"active":15,"description":87},"Kreditkartengesellschaft","credit_card_provider","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie hoch die Akzeptanz der Kreditkarte ist, h&auml;ngt von der Kreditkartengesellschaft ab. Visa und Mastercard genie&szlig;en in Europa vor American Express die h&ouml;chste Akzeptanz. Seltener werden die Kreditkarten von Diners Club akzeptiert.\u003C\u002Fspan>\u003C\u002Fp>",{"label":89,"key":90,"type":65,"active":15,"filterable":15,"filter_type":65,"filter_options":91,"filter_condition":92,"description":93},"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 z&auml;hlen Charge- und Revolving-Kreditkarten, da ein Kredit gew&auml;hrt wird. Bei \u003C\u002Fspan>\u003Cstrong>Charge-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> wird der offene Betrag i.d.R. einmal im Monat vollst&auml;ndig eingezogen. Typisch f&uuml;r \u003C\u002Fspan>\u003Cstrong>Revolving-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> ist, dass die R&uuml;ckzahlung in Raten voreingestellt ist. Auf die offenen Raten werden meist sehr hohe Zinsen f&auml;llig.\u003C\u002Fspan>\u003C\u002Fp>",{"label":95,"key":96,"type":82,"active":15,"options":97,"description":99},"Kein extra Girokonto nötig","credit_card_without_current_account",[98],"icons-filled","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Manche Kreditkarten lassen sich nur zusammen mit einem Girokonto abschlie&szlig;en. Achte hierbei darauf, ob f&uuml;r das Girokonto zus&auml;tzliche Kosten entstehen. Manche Karten lassen sich ohne Girokonto er&ouml;ffnen, in diesem Fall kann man ein bestehendes Konto zur Abrechnung hinterlegen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":101,"key":102,"type":82,"active":15,"options":103,"description":104},"Karte im Guthaben führen","rechargable",[98],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zur Kreditkarte geh&ouml;rt entweder ein Giro- oder Kartenkonto. Das Girokonto kann selbstverst&auml;ndlich im Guthaben gef&uuml;hrt werden. Auf einem Kartenkonto werden die Ausgaben aufgelistet und dann z.B. monatlich abgebucht. Bei manchen Anbietern kann man Geld auf das Kartenkonto &uuml;berweisen. Falls die Kreditkarte im Guthaben gef&uuml;hrt werden kann, k&ouml;nnen etwa Kreditzinsen vermieden oder das Kartenlimit erh&ouml;ht werden.\u003C\u002Fspan>\u003C\u002Fp>",{"label":106,"key":107,"type":82,"active":15,"options":108,"description":109},"Vollständiger automatischer Ausgleich möglich","automatic_compensation",[98],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls l&auml;sst sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per &Uuml;berweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollst&auml;ndige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden.\u003C\u002Fspan>\u003C\u002Fp>",{"label":111,"key":112,"type":65,"active":15,"description":113},"Effektiver Jahreszins","effective_annual_interest","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der effektive Jahreszins beinhaltet die j&auml;hrlichen Gesamtkosten eines Kredits. Daher ist er in der Regel etwas h&ouml;her als der Sollzins, der h&auml;ufig ebenfalls angegeben wird.\u003C\u002Fspan>\u003C\u002Fp>",{"label":115,"key":116,"type":82,"active":15,"options":117,"description":119},"Akzeptanz bei Kaution","acceptance_for_deposit",[118,98],"check-circle","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit einer Kreditkarte kann eine Kaution, z.B. f&uuml;r ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschlie&szlig;lich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":121,"key":122,"type":65,"active":15,"description":123,"mobile_rank":124},"Kosten Geld abheben in Euro","withdrawal_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Die Konditionen f&uuml;r das Abheben von Bargeld beziehen sich auf die Kosten bei der Bank oder der Kreditkartengesellschaft. Es k&ouml;nnen zus&auml;tzliche Geb&uuml;hren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zus&auml;tzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",2,{"label":126,"key":127,"type":65,"active":15,"description":128,"mobile_rank":37},"Kosten Geld abheben in Fremdwährung","withdrawal_fees_foreign_currency","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zus&auml;tzlich zu den Kosten k&ouml;nnen Fremdw&auml;hrungsgeb&uuml;hren anfallen. Diese sind im Tooltip angezeigt. Es k&ouml;nnen zus&auml;tzliche Geb&uuml;hren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zus&auml;tzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",{"label":130,"key":131,"type":65,"active":15,"description":132,"mobile_rank":133},"Fremdwährungsgebühr","payment_fees_foreign_currency","\u003Cp>Bei Kartenzahlung und beim Abheben von Bargeld in Fremdw&auml;hrung k&ouml;nnen zus&auml;tzliche Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fp>",4,{"label":135,"key":136,"type":46,"active":15},"Mobiles Bezahlen","contactless_payment_services",{"label":138,"key":139,"type":46,"active":15},"Online-Verwaltung","online_maintenance",{"label":141,"key":142,"type":143,"active":15,"description":144},"Kundenservice","customer_support","icons","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Kundenservice per Telefon oder Chat bezieht sich auf allgemeine Themen. Eine telefonische Sperrhotline f&auml;llt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",{"label":146,"key":147,"type":82,"active":16},"Adressnachweis erforderlich","proof_of_address",{"label":149,"key":150,"type":82,"active":15},"Mit Cashback","cashback",{"label":152,"key":153,"type":154,"filterable":15},"Besondere Eigenschaften","special_features","features",{"label":156,"key":157,"type":158},"Preis- und Leistungsverzeichnis","plv_link","link",{"label":160,"key":161,"type":65,"filter_type":65,"filter_condition":92},"Startprämie","starting_premium",[163,165],{"label":63,"key":64,"sort":164,"default_sort":16},"asc",{"label":166,"key":68,"sort":167,"default_sort":15},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Ausk&uuml;nfte der Anbieter\u003C\u002Fp>\n\u003Cp>Hinweis: Wir k&ouml;nnen leider keine Gew&auml;hr f&uuml;r die Aktualit&auml;t, Richtigkeit und Vollst&auml;ndigkeit der Informationen auf dieser Seite &uuml;bernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgef&uuml;hrten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte f&uuml;r 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 &Uuml;bersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startpr&auml;mie) bei Produkten mit der Note &bdquo;sehr gut&ldquo; 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 abschlie&szlig;t, erhalten wir eine Provision. F&uuml;r dich entstehen dadurch keine Mehrkosten und du unterst&uuml;tzt 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>",[170,171,172],"award_2","award_3","award_4","0","Top-Karte ohne Schufa",{"title":176,"slug":177,"date_updated":178,"factsheet":179,"product_selection_title":181,"default_parameters":182,"table_columns":188,"table_sort":247,"disclaimer":168,"award_1_label":250,"award_2_label":251,"award_3_label":252,"award_4_label":251,"user_created":253,"award_1_item":257,"award_2_item":272,"award_3_item":287,"award_4_item":302,"items":317},"Kreditkarten-Vergleich","kreditkarte","2026-07-09T10:15:16.469Z",[180],{"key":12,"value":13,"icon":14,"label":12},"Deine Kreditkarten Auswahl",[183,184,185,186,187],{"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},[189,191,192,193,194,195,199,202,204,205,207,209,213,217,221,222,225,227,230,233,234,238,239,242,244,245,246],{"label":44,"key":45,"type":46,"active":15,"options":190,"mobile_rank":50},[48,49],{"key":53,"label":52,"active":16,"type":53},{"key":56,"label":55,"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":196,"options":197,"sortable":15,"sort_options":198},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wenn du wissen m&ouml;chtest, 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>",[],[70],{"label":73,"key":74,"type":65,"active":15,"mobile_rank":75,"sortable":16,"sort_options":200,"description":201},[],"\u003Cp>Wenn ein kostenpflichtiges Girokonto f&uuml;r die Karte notwendig ist, werden die Kosten des Girokontos angezeigt.&nbsp;\u003C\u002Fp>",{"label":77,"key":78,"type":65,"active":15,"description":203,"mobile_rank":37},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zu den einmaligen Kosten z&auml;hlen Ausstellungs- oder Versandkosten.\u003C\u002Fspan>\u003C\u002Fp>",{"label":85,"key":86,"type":46,"active":15,"description":87,"mobile_rank":37},{"label":89,"key":206,"type":65,"active":15,"description":93},"card_type_dropdown",{"label":95,"key":96,"type":82,"active":15,"options":208,"description":99},[98],{"label":210,"key":102,"type":82,"active":15,"options":211,"description":212},"Karte dauerhaft im Guthaben führen",[98],"\u003Cp>Zur Kreditkarte geh&ouml;rt ein Giro- oder Kartenkonto. Das Girokonto kann im Guthaben gef&uuml;hrt werden, w&auml;hrend Belastungen auf dem Kartenkonto zu Schulden f&uuml;hren, die monatlich ausgeglichen werden. Bei manchen Anbietern kannst du Geld auf das Kartenkonto &uuml;berweisen, um Zinsen zu vermeiden und das Kartenlimit zu erh&ouml;hen. Bei dauerhafter F&uuml;hrung im Plus kann es jedoch dazu kommen, dass du dein Guthaben abziehen musst oder dein Vertrag gek&uuml;ndigt wird.\u003C\u002Fp>",{"label":214,"key":107,"type":82,"active":15,"options":215,"description":216},"Vollständiger automatischer Ausgleich kostenlos möglich",[98],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls l&auml;sst sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per &Uuml;berweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollst&auml;ndige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden. Das Ja\u002FNein-Symbol bezieht sich auf den Ausgleich von Kartenzahlungen und &Uuml;berweisungen. Ob Sollzinsen bei Abhebungen anfallen und nur per &Uuml;berweisung ausgeglichen werden k&ouml;nnen, zeigen wir im separaten Feld \"Keine Sollzinsen bei Abhebungen\" an.\u003C\u002Fspan>\u003C\u002Fp>",{"label":115,"key":116,"type":82,"active":15,"options":218,"description":220},[98,118,219],"cross-missing","\u003Cp>Mit einer Kreditkarte kann eine Kaution, z.B. f&uuml;r ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschlie&szlig;lich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen. Diese eingeschr&auml;nkte Akzeptanz stellen wir mit einem grauen X dar.\u003C\u002Fp>",{"label":121,"key":122,"type":65,"active":15,"description":123,"mobile_rank":124},{"label":223,"key":224,"type":82,"active":15},"Keine Sollzinsen bei Abhebungen","interest_rate_on_withdrawals",{"label":126,"key":127,"type":65,"active":15,"description":226,"mobile_rank":83},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Es k&ouml;nnen zus&auml;tzliche Geb&uuml;hren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zus&auml;tzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",{"label":228,"key":131,"type":65,"active":15,"description":229,"mobile_rank":133},"Gebühr für Zahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bei Kartenzahlung in Fremdw&auml;hrung k&ouml;nnen Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":135,"key":136,"type":46,"active":15,"options":231},[232],"disable-tooltip",{"label":138,"key":139,"type":46,"active":15},{"label":235,"key":142,"type":143,"active":15,"description":236,"options":237},"Echtzeit-Support","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit Echtzeit-Support ist der Kundenservice per Telefon oder Chat gemeint. Wir zeigen den Support f&uuml;r allgemeine Themen an, eine telefonische Sperrhotline f&auml;llt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",[],{"label":111,"key":112,"type":65,"active":15,"description":113},{"label":240,"key":241,"type":82,"active":15},"Versicherungen","insurances",{"label":243,"key":150,"type":82,"active":15},"Cashback",{"label":152,"key":153,"type":154,"filterable":15,"active":16},{"label":156,"key":157,"type":158,"active":16},{"label":160,"key":161,"type":65,"active":16,"filterable":16,"filter_type":65,"filter_options":37,"filter_condition":92},[248,249],{"label":63,"key":64,"sort":164,"default_sort":16},{"label":166,"key":68,"sort":167,"default_sort":15},"Beste Kreditkarte","75€ Bonus","100€ Bonus",{"first_name":254,"last_name":255,"avatar":256},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[258],{"item":259},{"id":260,"label":261,"url":262,"payment_card":263,"provider":267},13,"Bank Norwegian 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Gold","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fde-kreditkarte-gold",{"image":294},{"id":295,"filename_download":296},"d44cdc10-6c44-4633-8dfc-9abe6be851c6","deutschland-kreditkarte-gold.png",{"label":298,"logo":299},"PaySol",{"id":300,"filename_download":301},"935f1100-9e35-4bfd-8e3d-92521324a3b6","paysol-logo-wide.svg",[303],{"item":304},{"id":305,"label":306,"url":307,"payment_card":308,"provider":312},68,"C24 Smart Debitkarte","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fc24-smart",{"image":309},{"id":310,"filename_download":311},"cedb5a99-c694-4c39-b86c-9bc855364df1","c24-mastercard debitkarte.png",{"label":313,"logo":314},"C24 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Weitere Konditionen auf der Website des Anbieters.\u003C\u002Fp>","\u003Cp>F&uuml;r 2&euro; pro Monat einstellbar\u003C\u002Fp>","\u003Cp>Seit Februar 2026 ist aus Barclays die easybank geworden. Die Konditionen sind die gleichen geblieben. Die Karten werden automatisch bis sp&auml;testens Ende 2027 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Die Punktegutschrift erfolgt 4&ndash;6 Wochen nach Kartenausstellung. Zus&auml;tzlich 20 &euro; 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% Fremdw&auml;hrungsgeb&uuml;hr\u003C\u002Fp>","\u003Cp>Um Bargeld abheben zu k&ouml;nnen, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten m&ouml;glich.\u003C\u002Fp>","\u003Cp>Voreingestellt (Lastschrifteinzugserm&auml;chtigung n&ouml;tig)\u003C\u002Fp>","\u003Cul>\n\u003Cli>1 Payback-Punkt = 1 Cent\u003C\u002Fli>\n\u003Cli>eff. 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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&euro;\u002FJahr)\u003C\u002Fp>","1 Membership Reward Punkt\u002F1€ Umsatz",[1390],{"feature":1385,"rating":15},[1392,1394],{"feature":1393,"rating":15},"Verkehrsmittel-Unfallversicherung",{"feature":1340,"rating":16},[344,506],[344,506],3.351,3.09,"25€ Startguthaben","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Famerican-express-blue-card","American Express Blue 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Karte sofort einsatzbereit, physische Karte nach Bestellung freischalten","\u003Cp>Nicht ber&uuml;cksichtigt in der Gesamtkosten-Berechnung: Abhebungen unterhalb von 100&euro; kosten jeweils 1&euro;.\u003C\u002Fp>","1% vom Kartenumsatz wird in einen ausgewählten Sparplan investiert (bis zu 15€ p.M.). Dafür müssen monatlich mindestens 50€ in einen oder mehrere Sparpläne angelegt werden.","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;F&uuml;r eine physische Karte fallen einmalige Kosten an: 5&euro; f&uuml;r die Classic-Karte und 50&euro; f&uuml;r die Mirror-Karte. Bei einer virtuellen Karte entstehen keine einmaligen Geb&uuml;hren.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:835,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:3,&quot;3&quot;:2},&quot;9&quot;:0,&quot;11&quot;:3,&quot;12&quot;:0}\">F&uuml;r eine physische Karte fallen einmalige Kosten an: 5&euro; f&uuml;r die Classic-Karte und 50&euro; f&uuml;r die Mirror-Karte. Bei einer virtuellen Karte entstehen keine einmaligen Geb&uuml;hren. Geb&uuml;hr muss nach Ablauf der Karte erneut gezahlt werden.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Wechselkurs: Visa&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">Wechselkurs: Visa\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Wechselkurs: Visa&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">\u003Cspan data-sheets-root=\"1\">Abhebungen ab 100&euro; kostenlos, sonst 1&euro; je Abhebung\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">Abhebungen ab 100&euro; kostenlos, sonst 1&euro; je Abhebung\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Voreingestellt&quot;}\" 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(wobei min. 50&euro; pro Abhebung), danach 3% (min. 1&euro;)\u003C\u002Fp>","\u003Cp>Max. 200&euro; p.M. 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Go","2023-05-26T16:11:36.062Z",[1927,1929],{"label":361,"logo":1928},{"id":363,"filename_download":364},{"label":366,"logo":1930},{"id":368,"filename_download":369},[1932],{"label":674,"logo":1933},{"id":676,"filename_download":677},[1935,1937,1939],{"label":378,"logo":1936},{"id":380,"filename_download":381},{"label":383,"logo":1938},{"id":385,"filename_download":386},{"label":388,"logo":1940},{"id":390,"filename_download":391},{"id":1942,"label":1943,"status":355,"date_updated":1944,"date_created":1945,"user_created":358,"user_updated":473,"image":1946},63,"Monese Mastercard 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dir=\"ltr\" role=\"presentation\">1 Meile f&uuml;r 2&euro; Umsatz\u003C\u002Fli>\n\u003Cli dir=\"ltr\" role=\"presentation\">&Uuml;berweisungsservice: 1 Meile f&uuml;r 1&euro; Umsatz\u003C\u002Fli>\n\u003Cli dir=\"ltr\" role=\"presentation\">Worldshop: 2 Meilen pro 1&euro; Umsatz\u003C\u002Fli>\n\u003Cli dir=\"ltr\" role=\"presentation\">Avis: 5 Meilen pro 1&euro; Umsatz (immer mindestens 1.000 Meilen pro Anmietung)\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>&nbsp;\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiser&uuml;cktrittskosten- und Reiseabbruchversicherung\u003C\u002Fli>\n\u003Cli>Mietwagenvollkaskoversicherung\u003C\u002Fli>\n\u003Cli>Auslandsreisekrankenversicherung\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cul>\n\u003Cli>Max. 5.000&euro;\u003C\u002Fli>\n\u003Cli>Selbstbehalt 10% (min. 100&euro;)\u003C\u002Fli>\n\u003Cli>Voraussetzung: 100% der Reisekosten mit Kreditkarte bezahlt\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Es gibt 4.000 Meilen als Startpr&auml;mie.\u003C\u002Fp>","1 Meile pro 2€ Umsatz; Überweisungsservice: 1 Meile für 1€ Umsatz; Worldshop: 2 Meilen pro 1€ Umsatz; Avis: 5 Meilen pro 1€ Umsatz (immer mind. 1.000 Meilen pro Anmietung)","\u003Cp>\u003Cspan data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">Wechselkurs: Euro-Referenzwechselkurs der EZB (EWR) und Mastercard (Nicht-EWR)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>zzgl. 1,95% Fremdw&auml;hrungsgeb&uuml;hr\u003C\u002Fp>\n\u003Cp>\u003Cspan data-sheets-formula-bar-text-style=\"font-size:13px;color:#000000;font-weight:normal;text-decoration:none;font-family:'Arial';font-style:normal;text-decoration-skip-ink:none;\">Das Entgelt von 2% f&auml;llt nicht an f&uuml;r die ersten zwei Bargeldabhebungen im Kalenderjahr an Geldautomaten au&szlig;erhalb Deutschlands.\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>&nbsp;\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Vollst&auml;ndiger automatischer Ausgleich ist voreingestellt (Teilzahlung einstellbar).&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">Voreingestellt (Teilzahlung einstellbar)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cul>\n\u003Cli>Karte kostet 11,50&euro;\u002FMonat\u003C\u002Fli>\n\u003C\u002Ful>",[1963,1964,1966],{"feature":1787,"neutral":15},{"feature":1965,"neutral":15},"Selbstbehalt 10% (min. 100€)",{"feature":755,"neutral":15},[1968,1970,1972,1974],{"feature":1969,"rating":15},"24h-Assistance-Service",{"feature":1971,"rating":15},"AXA Partners Telemedizin",{"feature":1973,"rating":15},"3x im Jahr 1 GB kostenloses Datenvolumen für mobiles Surfen im Ausland",{"feature":1975,"rating":15},"1 Jahr Avis Preferred Plus Status und bis zu 30% Preisnachlass auf jede Buchung",[1977],{"feature":1978,"rating":15},"Versicherungspaket für Privatreisen",[344],[344],[1982,1983,1984],{"feature":1876,"rating":15},{"feature":1878,"rating":15},{"feature":1985,"rating":15},"Avis: 5 Meilen\u002F1€ Umsatz (mind. 1.000 Meilen pro Anmietung)",3.2009,3.04,"4.000 Meilen","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fmiles-and-more-kreditkarte-gold-credit-card","Miles & More Gold Credit Card","138€","4.000 Prämienmeilen","2026-06-18T13:18:06.339Z","2023-08-08T13:02:20.425Z",[1996,1998],{"label":361,"logo":1997},{"id":363,"filename_download":364},{"label":366,"logo":1999},{"id":368,"filename_download":369},[2001],{"label":674,"logo":2002},{"id":676,"filename_download":677},[2004,2006,2008],{"label":378,"logo":2005},{"id":380,"filename_download":381},{"label":383,"logo":2007},{"id":385,"filename_download":386},{"label":388,"logo":2009},{"id":390,"filename_download":391},{"id":2011,"label":1990,"status":355,"date_updated":2012,"date_created":2013,"user_created":799,"user_updated":493,"image":2014},96,"2026-06-02T11:57:01.635Z","2023-07-24T08:48:15.341Z",{"id":2015,"filename_download":2016},"f65bd9fb-2177-465a-8548-e41ce6e4eca9","Lufthansa_Miles 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im 1. 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Jahr ist die Karte (bei Erstbestellung) kostenlos.\u003C\u002Fp>",[344],[344],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 f&uuml;r 1&euro; Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiser&uuml;cktrittkosten-Versicherung bei Stornierungen durch Krankheit\u003C\u002Fli>\n\u003Cli>Reisekomfort-Versicherung bei Flug- oder Gep&auml;ckversp&auml;tungen\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 R&uuml;ckgaberecht\u003C\u002Fli>\n\u003Cli>Auslandsreise-Krankenversicherung f&uuml;r medizinische Hilfe im Ausland\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Pannenhilfe in Europa ab 50 km vom Wohnort\u003C\u002Fp>","\u003Cp>Max. 5.000&euro;\u002FPerson\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10%, mind. 100&euro;\u003C\u002Fp>","\u003Cp>Flugversp&auml;tung &gt;4h: 175&euro;\u003C\u002Fp>\n\u003Cp>Gep&auml;ckversp&auml;tung &gt;6h: 325&euro;, &gt;48h: 475&euro;\u003C\u002Fp>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Tod: 400.000&euro;\u003C\u002Fp>\n\u003Cp>Invalidit&auml;t: max. 800.000&euro; (je nach Grad)\u003C\u002Fp>\n\u003Cp>Entf&uuml;hrungsgeld (24-72 Stunden): 2.500&euro;\u003C\u002Fp>\n\u003Cp>Entf&uuml;hrungsgeld (ab 72 Stunden): zus&auml;tzlich 5.000&euro;\u003C\u002Fp>\n\u003Cp>Tod (Kinder unter 16 Jahren): 15.000&euro;\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>Unbegrenzt\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100&euro;, max. 500&euro;)\u003C\u002Fp>\n\u003Cp>F&uuml;r Reisen von max. 62 Tagen\u003C\u002Fp>\n\u003Cp>Max. 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Im Ausland kostenlos.\u003C\u002Fp>","\u003Cp>Bei Nutzung von Teilzahlung (flexibel einstellbar).\u003C\u002Fp>",[2487],{"feature":2488,"rating":15},"Angebotswelt der Hanseatic Bank mit Gutscheinen für Zalando, Lieferando u.v.m.",[2490],{"feature":2491,"rating":15},"Weitere Gutscheine in der Angebotswelt der Hanseatic Bank",[344],[344],[2495],{"feature":463,"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",[2502,2504],{"label":361,"logo":2503},{"id":363,"filename_download":364},{"label":366,"logo":2505},{"id":368,"filename_download":369},[2507],{"label":372,"logo":2508},{"id":374,"filename_download":375},[2510,2512,2514],{"label":378,"logo":2511},{"id":380,"filename_download":381},{"label":383,"logo":2513},{"id":385,"filename_download":386},{"label":388,"logo":2515},{"id":390,"filename_download":391},{"id":2517,"label":2498,"status":355,"date_updated":2518,"date_created":2519,"user_created":1454,"user_updated":1454,"image":2520},108,"2024-01-29T16:52:32.629Z","2024-01-29T16:51:13.058Z",{"id":2521,"filename_download":2522},"ac7a7c5f-b019-4ed1-86a1-67982700f9d8","deutschland-kreditkarte-classic.png",{"item":2524},{"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":1322,"id":1942,"sort_index":453,"cash_limit_per_month":37,"cash_limit_per_week":2525,"cash_limit_per_day":1235,"proof_of_address_description":37,"ready_for_immediate_use_description":37,"loyality_points_value":2526,"loyality_points_description":37,"insurances_value":2527,"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":2528,"public_transport_accident_insurance_value":2529,"travel_accident_insurance_value":37,"international_travel_health_insurance_value":37,"purchase_protection_value":2530,"extended_return_policy_value":1325,"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":2531,"card_type_description":37,"without_schufa_description":37,"cashback_description":2077,"one_time_fees_description":37,"starting_premium_description":37,"contactless_payment_services_description":37,"payment_fees_foreign_currency_description":1329,"withdrawal_fees_foreign_currency_description":1330,"withdrawal_fees_description":2532,"effective_annual_interest_description":37,"automatic_compensation_description":2533,"rechargable_description":37,"credit_card_without_current_account_description":37,"card_fee_description":2534,"label_description":37,"kids_parental_control_description":37,"kids_age_description":37,"cashback_for_all_transactions_value":2535,"cashback_for_all_transactions_description":1388,"conditions_trip_cancellation_interruption_insurance":37,"loyality_points_miles":2536,"additional_perks":2539,"kids_special_features":37,"special_features":37,"customer_service":37,"kids_requirements":37,"customer_support":2542,"cashback_features":37,"rating":2262,"kids_rating":37,"cashback_rating":2543,"kids_url":37,"kids_age":37,"card_type_dropdown":414,"card_type_dropdown_description":37,"min_withdrawal_fee_foreign":418,"max_withdrawal_fee_foreign":37,"percentage_fee_card_payment_foreign":708,"cond_free_card_payment_foreign_cost_above":37,"percentage_fee_card_payment_foreign_other":37,"free_withdrawals_count":173,"amount_extra_cards":1345,"additional_insurances":37,"free_withdrawals_count_foreign":173,"max_free_withdrawals_foreign":37,"flat_withdrawal_fee_foreign":173,"percentage_withdrawal_fee_foreign":1162,"additional_callout":2544,"max_free_withdrawals":37,"flat_withdrawal_fee":173,"percentage_withdrawal_fee":1162,"min_withdrawal_fee":418,"max_withdrawal_fee":37,"url":2545,"label":2546,"card_fee":2547,"effective_annual_interest":422,"withdrawal_fees":1349,"withdrawal_fees_foreign_currency":1349,"payment_fees_foreign_currency":708,"plv_link":37,"starting_premium":37,"plv_link_description":37,"one_time_fees":350,"card_type":354,"status":355,"date_updated":425,"date_created":2548,"user_created":473,"user_updated":358,"contactless_payment_services":2549,"c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Membership Reward pro 1&euro; Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiseversicherung bei Flug- oder Gep&auml;ckversp&auml;tung\u003C\u002Fli>\n\u003Cli>Verkehrsmittel-Unfallversicherung\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage R&uuml;ckgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Flugversp&auml;tung &gt;4h: 125&euro;, Gep&auml;ckversp&auml;tung &gt;6h: 225&euro;, &gt;48h: 325&euro;\u003C\u002Fp>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Tod: 112.500&euro;, Invalidit&auml;t: 112.500&euro;, Vollinvalidit&auml;t: 225.000&euro;, Bergungskosten: 10.000&euro;, Krankenhaustagegeld: 26&euro;, Entf&uuml;hrungsgeld (24-72 Stunden): 2.500&euro;, Entf&uuml;hrungsgeld (ab 72 Stunden): zus&auml;tzlich 5.000&euro;, Tod (Kinder unter 14 Jahren): 5.000&euro;\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Besch&auml;digung, max. 550&euro;\u002FFall, max. 3.100&euro;\u002FJahr, 50&euro; Selbstbehalt\u003C\u002Fp>","\u003Cp>40&euro; Startguthaben bei mind. 2.000&euro; Kartenumsatz in den ersten 6 Monaten. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Um Bargeld abheben zu k&ouml;nnen, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten m&ouml;glich.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:6915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:3,&quot;3&quot;:2},&quot;11&quot;:3,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Roboto, RobotoDraft, Helvetica, Arial, sans-serif&quot;}\">Um Bargeld abheben zu k&ouml;nnen, muss der Bargeld-Service freigeschaltet werden. 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sans-serif&quot;}\">Kostenlose Abhebungen an Ikano Bank und Euronet Geldautomaten.\u003C\u002Fspan>\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;F&uuml;r Eink&auml;ufe bei IKEA liegt der Jahreszins bei 8,99%&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:835,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;9&quot;:0,&quot;11&quot;:3,&quot;12&quot;:0}\">F&uuml;r Eink&auml;ufe bei IKEA liegt der Jahreszins bei 7,25%.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Einstellbar&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:771,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;11&quot;:3,&quot;12&quot;:0}\">Einstellbar\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Girokonto bei der Ikano Bank wird mit Beantragung der Karte automatisch eingerichtet. &quot;}\" data-sheets-userformat=\"{&quot;2&quot;:6915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;11&quot;:3,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:0},&quot;15&quot;:&quot;Roboto, RobotoDraft, Helvetica, Arial, sans-serif&quot;}\">Girokonto bei der Ikano Bank wird mit Beantragung der Karte automatisch eingerichtet. \u003C\u002Fspan>\u003C\u002Fp>",[344],[2714,2716],{"feature":2715,"rating":15},"1% Bonus auf jeden Umsatz in Form einer IKEA Aktionskarte (maximal 30 Euro pro Jahr)",{"feature":2717,"neutral":15},"Automatisch IKEA Family Mitglied",2.35084,"4,99€","1,8%","3,99€","IKEA Family Kreditkarte","15,75%","2,5% (min. 3,99€)","2,5% (min. 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Bonus bei C24 Kontoer&ouml;ffnung und Umzug &uuml;ber den Check24 Kontoumzug (&uuml;ber unseren Link oder mit dem Code &bdquo;C24FINANZF75&ldquo;). Das alte Konto muss geschlossen werden. Au&szlig;erdem erh&auml;ltst du 0,75% Zinsen auf dem Tagesgeldkonto oder 0,75% Zinsen auf dem Girokonto.\u003C\u002Fp>","0,05% Basis-Cashback; 2,5% Aktions-Cashback (max. 100€ p.M.)","\u003Cp>4 Abhebungen p.M. kostenlos, danach 2&euro; pro Abhebung\u003C\u002Fp>","\u003Cp>Abh&auml;ngig von der Bonit&auml;t\u003C\u002Fp>","\u003Cul>\n\u003Cli>max. Cashback: 100&euro;\u002FMonat\u003C\u002Fli>\n\u003Cli>bis 2,5% Aktions-Cashback\u003C\u002Fli>\n\u003C\u002Ful>","0,05% Cashback",[344,506],[344,506],[2753],{"feature":2754,"rating":15},"Bis zu 2,5% Aktions-Cashback bei bestimmten Partnern",4.15091,4.07,"7,49% bis 11,49%","https:\u002F\u002Fapi.c24.de\u002Fapi\u002Fdocuments\u002Fprice_service_list\u002Fdownload\u002F","2024-05-15T07:44:03.940Z","39df713a-f97c-40c7-b65b-9054efedb0ae",[2762,2764],{"label":366,"logo":2763},{"id":368,"filename_download":369},{"label":361,"logo":2765},{"id":363,"filename_download":364},[2767],{"label":674,"logo":2768},{"id":676,"filename_download":677},[2770,2772,2774],{"label":378,"logo":2771},{"id":380,"filename_download":381},{"label":383,"logo":2773},{"id":385,"filename_download":386},{"label":388,"logo":2775},{"id":390,"filename_download":391},{"id":2777,"label":2778,"status":355,"date_updated":37,"date_created":2779,"user_created":799,"user_updated":37,"image":2780},76,"C24 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Membership Reward pro 1&euro; Umsatz\u003C\u002Fli>\n\u003Cli>Doppelte Membership Rewards bei BMW-H&auml;ndlern, Sixt &amp; ausgew&auml;hlten Tankstellen\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cul>\n\u003Cli>BMW Schutzbrief\u003C\u002Fli>\n\u003Cli>Leasing-R&uuml;ckgabeschutz\u003C\u002Fli>\n\u003Cli>Fahrzeug-Rechtsschutz-Versicherung\u003C\u002Fli>\n\u003Cli>Autoschl&uuml;ssel-Versicherung\u003C\u002Fli>\n\u003Cli>Auslandsreise-Krankenversicherung\u003C\u002Fli>\n\u003Cli>Mietwagenvollkasko-Versicherung\u003C\u002Fli>\n\u003Cli>Reiser&uuml;cktrittkosten- und Reiseabbruch-Versicherung\u003C\u002Fli>\n\u003Cli>Reisegep&auml;ckversicherung\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage R&uuml;ckgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Pannenhilfe, Abschleppservice zum n&auml;chsten BMW-Partner, Ersatzfahrzeug, Max. 4 Hotel&uuml;bernachtungen, Beteiligung am R&uuml;cktransport\u003C\u002Fp>","\u003Cp>Mietwagen-Vollkasko\u003C\u002Fp>\n\u003Cp>Max. 75.000&euro;\u002FFall\u003C\u002Fp>\n\u003Cp>Selbstbehalt 200&euro;\u003C\u002Fp>\n\u003Cp>F&uuml;r 2 Mietwagen bis 120 Tage\u003C\u002Fp>","\u003Cp>Max. 3.000&euro;\u002FReise, max. 750&euro;\u002FGegenstand, Selbstbehalt 10%, mind. 100&euro;\u003C\u002Fp>","\u003Cp>Max. 6.000&euro;\u002FPerson\u002FReise\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10%, mind. 100&euro;\u003C\u002Fp>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Besch&auml;digung\u003C\u002Fp>\n\u003Cp>Max. 2.000&euro;\u002FFall\u003C\u002Fp>\n\u003Cp>Max. 10.000&euro;\u002FJahr\u003C\u002Fp>\n\u003Cp>50&euro; Selbstbehalt&nbsp;\u003C\u002Fp>","\u003Cp>Fahrzeugrechtsschutzversicherung\u003Cbr>Leasing-R&uuml;ckgabeschutz\u003Cbr>Autoschl&uuml;ssel-Versicherung\u003C\u002Fp>","\u003Cp>4 BMW Premium Card Carbon Zusatzkarten inklusive.\u003C\u002Fp>","\u003Cp>150&euro; Startguthaben bei min. 4.000&euro; Kartenumsatz in den ersten 6 Monaten. 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ohne Schufa – was heißt das?\u003C\u002Fh2>",0,{},{"content":5023,"level":124,"anchor":416},"Kreditkarte ohne Schufa – was heißt das?",{"innerBlocks":5025,"name":5026,"postId":5018,"originalContent":5027,"get_parent":5028,"attributes":5029,"dynamicContent":37},[],"core\u002Fparagraph","\u003Cp>Die Schutzgemeinschaft für allgemeine Kreditsicherung (\u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fkredit\u002Fwas-macht-die-schufa\u002F\">Schufa\u003C\u002Fa>) ist die größte Wirtschaftsauskunftei in Deutschland. Sie speichert Daten einzelner Personen und besitzt zu fast jedem Bürger in der Bundesrepublik eine Kartei. Zu den gesammelten Daten gehören neben Namen, Geburtsdaten und Adressen auch Informationen über Kreditgeschäfte. Aus all den gespeicherten Informationen ergibt sich der individuelle Score-Wert. Mit einer Schufa-Abfrage kann die Bonität einer Person von der Bank abgefragt werden. Eine Schufa-Abfrage entscheidet normalerweise über die Bewilligung eines Kredits und einer Kreditkarte.\u003C\u002Fp>",{},{"content":5030,"dropCap":16,"anchor":416},"Die Schutzgemeinschaft für allgemeine Kreditsicherung (\u003Ca href=\"\u002Fkredit\u002Fwas-macht-die-schufa\u002F\" class=\"app-link\">Schufa\u003C\u002Fa>) ist die größte Wirtschaftsauskunftei in Deutschland. Sie speichert Daten einzelner Personen und besitzt zu fast jedem Bürger in der Bundesrepublik eine Kartei. Zu den gesammelten Daten gehören neben Namen, Geburtsdaten und Adressen auch Informationen über Kreditgeschäfte. Aus all den gespeicherten Informationen ergibt sich der individuelle Score-Wert. Mit einer Schufa-Abfrage kann die Bonität einer Person von der Bank abgefragt werden. Eine Schufa-Abfrage entscheidet normalerweise über die Bewilligung eines Kredits und einer Kreditkarte.",{"innerBlocks":5032,"name":5026,"postId":5018,"originalContent":5033,"get_parent":5034,"attributes":5035,"dynamicContent":37},[],"\u003Cp>Wenn dir eine Bank einen Kredit gewährt, ist es ihr wichtig, dass du diesen auch zurückzahlen kannst. Wenn du eine Kreditkarte ohne Schufa beantragst, heißt das, dass beim Kreditkartenantrag keine Bonitätsprüfung durch eine Schufa-Abfrage erfolgt. Daher handelt es sich bei Kreditkarten ohne Schufa um keine „echten“ Kreditkarten mit einem individuellen Verfügungsrahmen und einer monatlichen Abrechnung.\u003C\u002Fp>",{},{"content":5036,"dropCap":16,"anchor":416},"Wenn dir eine Bank einen Kredit gewährt, ist es ihr wichtig, dass du diesen auch zurückzahlen kannst. Wenn du eine Kreditkarte ohne Schufa beantragst, heißt das, dass beim Kreditkartenantrag keine Bonitätsprüfung durch eine Schufa-Abfrage erfolgt. Daher handelt es sich bei Kreditkarten ohne Schufa um keine „echten“ Kreditkarten mit einem individuellen Verfügungsrahmen und einer monatlichen Abrechnung.",{"innerBlocks":5038,"name":5039,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5040,"attributes":5041},[],"acf\u002Fbox-info-icon",{},{"name":5039,"data":5042},{"box_info_icon_description":5043,"box_info_icon_headline":5044,"box_info_icon_icon":5045},"Bevor du dich für eine Kreditkarte ohne Schufa entscheidest, solltest du erst versuchen, eine echte Kreditkarte zu erwerben. Denn diese weist meist geringere Gebühren auf. Falls dein Antrag auf eine Kreditkarte bei einer Bank abgelehnt wurde, lohnt die Anfrage bei anderen Banken. Vereinzelt stellen die Finanzinstitute unterschiedliche Anforderungen.","Bevor du eine Kreditkarte ohne Schufa beantragst","idea",{"innerBlocks":5047,"name":5017,"postId":5018,"originalContent":5048,"get_parent":5049,"attributes":5050,"dynamicContent":37},[],"\u003Ch2>Die besten Kreditkarten ohne Schufa\u003C\u002Fh2>",{},{"content":5051,"level":124,"anchor":416},"Die besten Kreditkarten ohne Schufa",{"innerBlocks":5053,"name":5026,"postId":5018,"originalContent":5054,"get_parent":5055,"attributes":5056,"dynamicContent":37},[],"\u003Cp>Um eine gute Kreditkarte ohne Schufa zu finden, ist es wichtig, dass diese möglichst kostenfrei ist – also keine monatlichen Kartengebühren erhebt. Zudem ist es auch sinnvoll, dass die Kreditkarte ohne Girokonto bei derselben Bank geführt werden kann. Bei manchen Banken kannst du eine Kreditkarte ohne Schufa nur beantragen, wenn du zusätzlich ein Girokonto eröffnest. Dieses kann zusätzliche Gebühren verursachen. Wenn du eine Kreditkarte beantragst und kein zusätzliches Girokonto benötigst, kannst du ein bestehendes Konto zur Abrechnung hinterlegen.\u003C\u002Fp>",{},{"content":5057,"dropCap":16,"anchor":416},"Um eine gute Kreditkarte ohne Schufa zu finden, ist es wichtig, dass diese möglichst kostenfrei ist – also keine monatlichen Kartengebühren erhebt. Zudem ist es auch sinnvoll, dass die Kreditkarte ohne Girokonto bei derselben Bank geführt werden kann. Bei manchen Banken kannst du eine Kreditkarte ohne Schufa nur beantragen, wenn du zusätzlich ein Girokonto eröffnest. Dieses kann zusätzliche Gebühren verursachen. Wenn du eine Kreditkarte beantragst und kein zusätzliches Girokonto benötigst, kannst du ein bestehendes Konto zur Abrechnung hinterlegen.",{"innerBlocks":5059,"name":5026,"postId":5018,"originalContent":5060,"get_parent":5061,"attributes":5062,"dynamicContent":37},[],"\u003Cp>Das beste Angebot aus unserem Vergleich bieten die Kreditkarten von Trade Republic, Revolut, Trading 212 und SumUp.\u003C\u002Fp>",{},{"content":5063,"dropCap":16,"anchor":416},"Das beste Angebot aus unserem Vergleich bieten die Kreditkarten von Trade Republic, Revolut, Trading 212 und SumUp.",{"innerBlocks":5065,"name":5017,"postId":5018,"originalContent":5066,"get_parent":5067,"attributes":5068,"dynamicContent":37},[],"\u003Ch3>Trade Republic Karte\u003C\u002Fh3>",{},{"content":1452,"level":83,"anchor":416},{"innerBlocks":5070,"name":5026,"postId":5018,"originalContent":5071,"get_parent":5072,"attributes":5073,"dynamicContent":37},[],"\u003Cp>Mit der kostenfreien Trade Republic Debitkarte, die du ohne Schufa-Abfrage erhältst, kannst du weltweit kostenlos ab 100€ Bargeld abheben. Bei allen Zahlungen sammelst du ein Saveback von 1%. Allerdings fallen einmalige Anschaffungskosten an: 5€ für die Classic-Variante bzw. 50€ für die Mirror-Karte. Zudem benötigst du das Trade Republic Girokonto, das gleichzeitig als Verrechnungskonto für das Wertpapierdepot dient.\u003C\u002Fp>",{},{"content":5074,"dropCap":16,"anchor":416},"Mit der kostenfreien Trade Republic Debitkarte, die du ohne Schufa-Abfrage erhältst, kannst du weltweit kostenlos ab 100€ Bargeld abheben. Bei allen Zahlungen sammelst du ein Saveback von 1%. Allerdings fallen einmalige Anschaffungskosten an: 5€ für die Classic-Variante bzw. 50€ für die Mirror-Karte. Zudem benötigst du das Trade Republic Girokonto, das gleichzeitig als Verrechnungskonto für das Wertpapierdepot dient.",{"innerBlocks":5076,"name":5077,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5078,"attributes":5079},[],"acf\u002Fcta-box-border",{},{"name":5077,"data":5080},{"title":1452,"cta_box_border_description":416,"cta_box_border_list_0_cta_box_border_list_description":5081,"cta_box_border_list_0_cta_box_border_list_icon":5082,"cta_box_border_list_1_cta_box_border_list_description":5083,"cta_box_border_list_1_cta_box_border_list_icon":5082,"cta_box_border_list_2_cta_box_border_list_description":5084,"cta_box_border_list_2_cta_box_border_list_icon":5082,"cta_box_border_list_3_cta_box_border_list_description":5085,"cta_box_border_list_3_cta_box_border_list_icon":5086,"cta_box_border_list_4_cta_box_border_list_description":5087,"cta_box_border_list_4_cta_box_border_list_icon":5086,"cta_box_border_list":837,"cta_box_border_image":5088,"cta_box_border_image_description":416,"cta_box_border_button_link":5089,"cta_box_border_button_label":416,"cta_box_border_button_id":416,"cta_box_border_same_tab":416,"cta_box_border_image_url":5091},"Kostenlose Debitkarte","checked","Weltweit kostenlos Bargeld abheben (ab 100€) und bezahlen","1% Saveback auf alle Kartenumsätze","Einmalige Kosten von 5€ für die Classic-Karte oder 50€ für die Mirror-Karte","unchecked","Girokonto nötig, dient gleichzeitig als Verrechnungskonto für das Depot",3090326,{"title":416,"url":1451,"target":5090},"_blank","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Ftrade-republic-karte.png",{"innerBlocks":5093,"name":5017,"postId":5018,"originalContent":5094,"get_parent":5095,"attributes":5096,"dynamicContent":37},[],"\u003Ch3>Revolut Kreditkarte\u003C\u002Fh3>",{},{"content":5097,"level":83,"anchor":416},"Revolut Kreditkarte",{"innerBlocks":5099,"name":5026,"postId":5018,"originalContent":5100,"get_parent":5101,"attributes":5102,"dynamicContent":37},[],"\u003Cp>Die Kreditkarte von Revolut ist eine Debitkarte und für dich kostenlos. Nur bei Beantragung der Karte fällt eine einmalige Versandgebühr von 7,99€ an. Bei Revolut kannst du im Inland bis zu 200€ pro Monat (maximal 5 Abhebungen) kostenfrei Geld abheben. Danach fallen 2% Gebühren (mind. 1€) an. Im Nicht-Euro-Ausland zahlst du erst ab 1.000€ eine Fremdwährungsgebühr von 0,5% beim Geldabheben und beim Zahlen mit der Karte. Es können weitere Gebühren anfallen, wenn seltene Währungen getauscht werden oder die Devisenmärkte geschlossen sind. In deiner App kannst du nachschauen, wie hoch die Kosten sind.\u003C\u002Fp>",{},{"content":5103,"dropCap":16,"anchor":416},"Die Kreditkarte von Revolut ist eine Debitkarte und für dich kostenlos. Nur bei Beantragung der Karte fällt eine einmalige Versandgebühr von 7,99€ an. Bei Revolut kannst du im Inland bis zu 200€ pro Monat (maximal 5 Abhebungen) kostenfrei Geld abheben. Danach fallen 2% Gebühren (mind. 1€) an. Im Nicht-Euro-Ausland zahlst du erst ab 1.000€ eine Fremdwährungsgebühr von 0,5% beim Geldabheben und beim Zahlen mit der Karte. Es können weitere Gebühren anfallen, wenn seltene Währungen getauscht werden oder die Devisenmärkte geschlossen sind. In deiner App kannst du nachschauen, wie hoch die Kosten sind.",{"innerBlocks":5105,"name":5026,"postId":5018,"originalContent":5106,"get_parent":5107,"attributes":5108,"dynamicContent":37},[],"\u003Cp>Die Karte von Revolut eignet sich für alle, die auch gerne im Urlaub mit Karte zahlen. Du kannst die Kreditkarte allerdings nur mit einem Girokonto von Revolut nutzen. Beachte dabei, dass dein Konto unter die litauische Einlagensicherung fällt.\u003C\u002Fp>",{},{"content":5109,"dropCap":16,"anchor":416},"Die Karte von Revolut eignet sich für alle, die auch gerne im Urlaub mit Karte zahlen. Du kannst die Kreditkarte allerdings nur mit einem Girokonto von Revolut nutzen. Beachte dabei, dass dein Konto unter die litauische Einlagensicherung fällt.",{"innerBlocks":5111,"name":5077,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5112,"attributes":5113},[],{},{"name":5077,"data":5114},{"title":5097,"cta_box_border_description":416,"cta_box_border_list_0_cta_box_border_list_description":5115,"cta_box_border_list_0_cta_box_border_list_icon":5082,"cta_box_border_list_1_cta_box_border_list_description":5116,"cta_box_border_list_1_cta_box_border_list_icon":5082,"cta_box_border_list_2_cta_box_border_list_description":5117,"cta_box_border_list_2_cta_box_border_list_icon":5082,"cta_box_border_list_3_cta_box_border_list_description":5118,"cta_box_border_list_3_cta_box_border_list_icon":5086,"cta_box_border_list":133,"cta_box_border_image":5119,"cta_box_border_image_description":416,"cta_box_border_button_link":5120,"cta_box_border_button_label":416,"cta_box_border_button_id":416,"cta_box_border_same_tab":416,"cta_box_border_image_url":5121},"Keine Kartengebühr","Kostenlos bis zu 200€ p.M. (max. 5 Abhebungen) im Inland Geld abheben, danach 2% Gebühr (mind. 1€)","In Fremdwährung abheben: ab 1.000€ p.M. zzgl. 0,5% Gebühr auf den echten Wechselkurs (es können weitere Gebühren anfallen)","Nur mit Girokonto von Revolut nutzbar (litauische Einlagensicherung)",3084931,{"title":416,"url":871,"target":416},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Frevolut-kreditkarte-1.png",{"innerBlocks":5123,"name":5017,"postId":5018,"originalContent":5124,"get_parent":5125,"attributes":5126,"dynamicContent":37},[],"\u003Ch3>Trading 212 Card\u003C\u002Fh3>",{},{"content":4076,"level":83,"anchor":416},{"innerBlocks":5128,"name":5026,"postId":5018,"originalContent":5129,"get_parent":5130,"attributes":5131,"dynamicContent":37},[],"\u003Cp>Die Mastercard Debitkarte von Trading 212 ist gebührenfrei. Monatlich kannst du 400€ kostenlos abheben, danach fallen 1% des Abhebebetrags an, sowohl in Euro als auch in Fremdwährung.\u003C\u002Fp>",{},{"content":5132,"dropCap":16,"anchor":416},"Die Mastercard Debitkarte von Trading 212 ist gebührenfrei. Monatlich kannst du 400€ kostenlos abheben, danach fallen 1% des Abhebebetrags an, sowohl in Euro als auch in Fremdwährung.",{"innerBlocks":5134,"name":5077,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5135,"attributes":5136},[],{},{"name":5077,"data":5137},{"title":4076,"cta_box_border_description":416,"cta_box_border_list_0_cta_box_border_list_description":5138,"cta_box_border_list_0_cta_box_border_list_icon":5082,"cta_box_border_list_1_cta_box_border_list_description":5139,"cta_box_border_list_1_cta_box_border_list_icon":5082,"cta_box_border_list_2_cta_box_border_list_description":5140,"cta_box_border_list_2_cta_box_border_list_icon":5082,"cta_box_border_list_3_cta_box_border_list_description":5141,"cta_box_border_list_3_cta_box_border_list_icon":5086,"cta_box_border_list":133,"cta_box_border_image":5142,"cta_box_border_image_description":416,"cta_box_border_button_link":5143,"cta_box_border_button_label":416,"cta_box_border_button_id":416,"cta_box_border_same_tab":416,"cta_box_border_image_url":5144},"\u003Cspan data-v-8a5a3276=\"\">Kostenlose Debitkarte\u003C\u002Fspan>","400€ kostenlos abheben p.M., danach 1% Gebühr","Vollständiger automatischer Ausgleich ist voreingestellt","Einmalige Kosten von 4,95€",3103435,{"title":416,"url":4075,"target":416},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Ftrading212-card-1.png",{"innerBlocks":5146,"name":5017,"postId":5018,"originalContent":5147,"get_parent":5148,"attributes":5149,"dynamicContent":37},[],"\u003Ch3>SumUp Pay Mastercard\u003C\u002Fh3>",{},{"content":3576,"level":83,"anchor":416},{"innerBlocks":5151,"name":5026,"postId":5018,"originalContent":5152,"get_parent":5153,"attributes":5154,"dynamicContent":37},[],"\u003Cp>Die Mastercard von SumUp Pay ist komplett kostenlos und es gibt auch keine einmalige Gebühr. Du musst nicht extra ein Girokonto bei SumUp Pay eröffnen und nach Erhalt ist die Karte sofort einsatzbereit. Du kannst jeden Monat bis zu 3 Mal kostenlos Geld abheben in Deutschland und 1 Mal kostenlos weltweit. Danach zahlst du eine Gebühr in Höhe von 2%.\u003C\u002Fp>",{},{"content":5155,"dropCap":16,"anchor":416},"Die Mastercard von SumUp Pay ist komplett kostenlos und es gibt auch keine einmalige Gebühr. Du musst nicht extra ein Girokonto bei SumUp Pay eröffnen und nach Erhalt ist die Karte sofort einsatzbereit. Du kannst jeden Monat bis zu 3 Mal kostenlos Geld abheben in Deutschland und 1 Mal kostenlos weltweit. Danach zahlst du eine Gebühr in Höhe von 2%.",{"innerBlocks":5157,"name":5077,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5158,"attributes":5159},[],{},{"name":5077,"data":5160},{"title":3576,"cta_box_border_description":416,"cta_box_border_list_0_cta_box_border_list_description":5081,"cta_box_border_list_0_cta_box_border_list_icon":5082,"cta_box_border_list_1_cta_box_border_list_description":5161,"cta_box_border_list_1_cta_box_border_list_icon":5082,"cta_box_border_list_2_cta_box_border_list_description":5162,"cta_box_border_list_2_cta_box_border_list_icon":5082,"cta_box_border_list_3_cta_box_border_list_description":106,"cta_box_border_list_3_cta_box_border_list_icon":5082,"cta_box_border_list":133,"cta_box_border_image":5163,"cta_box_border_image_description":416,"cta_box_border_button_link":5164,"cta_box_border_button_label":416,"cta_box_border_button_id":416,"cta_box_border_same_tab":416,"cta_box_border_image_url":5165},"Weltweit kostenlos Bargeld abheben und bezahlen (3 Abhebung im Inland p.M. kostenlos, 1 im Ausland 1, danach 2% Gebühr)","1% Cashback auf Kartenumsatz",3093731,{"title":416,"url":3575,"target":5090},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Fsumup-kreditkarte-1.png",{"innerBlocks":5167,"name":5017,"postId":5018,"originalContent":5168,"get_parent":5169,"attributes":5170,"dynamicContent":37},[],"\u003Ch2>Die Schufa-Abfrage\u003C\u002Fh2>",{},{"content":5171,"level":124,"anchor":416},"Die Schufa-Abfrage",{"innerBlocks":5173,"name":5026,"postId":5018,"originalContent":5174,"get_parent":5175,"attributes":5176,"dynamicContent":37},[],"\u003Cp>Wenn du eine neue Kreditkarte beantragen oder ein neues Konto eröffnen möchtest, fragt die Bank bei der Schufa deine Bonität ab. Dabei erhält die Bank nie alle über dich gespeicherten Daten. Sie erhält lediglich ein Scoring, um ermitteln zu können, wie wahrscheinlich es ist, dass du einen Kredit zurückzahlen kannst. Bei den hier vorgestellten Kreditkarten ohne Schufa entfällt diese Abfrage in der Regel. Allerdings kann es auch bei diesen Kreditkarten vorkommen, dass die Banken – auch wenn sie dir eine Kreditkarte ohne Schufa gewähren – trotzdem eine Schufa-Abfrage machen.\u003C\u002Fp>",{},{"content":5177,"dropCap":16,"anchor":416},"Wenn du eine neue Kreditkarte beantragen oder ein neues Konto eröffnen möchtest, fragt die Bank bei der Schufa deine Bonität ab. Dabei erhält die Bank nie alle über dich gespeicherten Daten. Sie erhält lediglich ein Scoring, um ermitteln zu können, wie wahrscheinlich es ist, dass du einen Kredit zurückzahlen kannst. Bei den hier vorgestellten Kreditkarten ohne Schufa entfällt diese Abfrage in der Regel. Allerdings kann es auch bei diesen Kreditkarten vorkommen, dass die Banken – auch wenn sie dir eine Kreditkarte ohne Schufa gewähren – trotzdem eine Schufa-Abfrage machen.",{"innerBlocks":5179,"name":5017,"postId":5018,"originalContent":5180,"get_parent":5181,"attributes":5182,"dynamicContent":37},[],"\u003Ch3>Datenspeicherung bei der Schufa\u003C\u002Fh3>",{},{"content":5183,"level":83,"anchor":416},"Datenspeicherung bei der Schufa",{"innerBlocks":5185,"name":5026,"postId":5018,"originalContent":5186,"get_parent":5187,"attributes":5188,"dynamicContent":37},[],"\u003Cp>Zu den gesammelten Daten bei der Schufa gehören neben Namen, Geburtsdaten und Adressen vor allem Informationen über Kreditgeschäfte. Informationen zu Kreditverträgen, Bürgschaften oder auch Kreditkarten erhält die Schufa von Vertragspartnern. Dafür fließen (laufende) Kredite genauso ein, wie geplatzte Zahlungen. Aus diesen Merkmalen ergibt sich der individuelle Score-Wert. Dieser wird über eine Schufa-Abfrage abgerufen und wird mit in die Entscheidung über die Bewilligung eines Kredits und einer Kreditkarte einbezogen.\u003C\u002Fp>",{},{"content":5189,"dropCap":16,"anchor":416},"Zu den gesammelten Daten bei der Schufa gehören neben Namen, Geburtsdaten und Adressen vor allem Informationen über Kreditgeschäfte. Informationen zu Kreditverträgen, Bürgschaften oder auch Kreditkarten erhält die Schufa von Vertragspartnern. Dafür fließen (laufende) Kredite genauso ein, wie geplatzte Zahlungen. Aus diesen Merkmalen ergibt sich der individuelle Score-Wert. Dieser wird über eine Schufa-Abfrage abgerufen und wird mit in die Entscheidung über die Bewilligung eines Kredits und einer Kreditkarte einbezogen.",{"innerBlocks":5191,"name":5026,"postId":5018,"originalContent":5192,"get_parent":5193,"attributes":5194,"dynamicContent":37},[],"\u003Cp>Nicht berücksichtigt werden übrigens Daten über Vermögen, Einkommen und Nationalität. Die Schufa speichert auch keine Daten zu deiner Herkunft oder deiner politischen oder religiösen Einstellung. Diese Daten fallen unter die Kategorie der besonders sensiblen Daten und dürfen nach \u003Ca href=\"https:\u002F\u002Fdsgvo-gesetz.de\u002Fart-9-dsgvo\u002F\" target=\"_blank\" rel=\"noreferrer noopener\">Artikel 9 der DSGVO\u003C\u002Fa> nicht verarbeitet werden.\u003C\u002Fp>",{},{"content":5195,"dropCap":16,"anchor":416},"Nicht berücksichtigt werden übrigens Daten über Vermögen, Einkommen und Nationalität. Die Schufa speichert auch keine Daten zu deiner Herkunft oder deiner politischen oder religiösen Einstellung. Diese Daten fallen unter die Kategorie der besonders sensiblen Daten und dürfen nach \u003Ca href=\"https:\u002F\u002Fdsgvo-gesetz.de\u002Fart-9-dsgvo\u002F\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"app-link\">Artikel 9 der DSGVO\u003C\u002Fa> nicht verarbeitet werden.",{"innerBlocks":5197,"name":5017,"postId":5018,"originalContent":5198,"get_parent":5199,"attributes":5200,"dynamicContent":37},[],"\u003Ch3>Überprüfe deinen Schufa-Score\u003C\u002Fh3>",{},{"content":5201,"level":83,"anchor":416},"Überprüfe deinen Schufa-Score",{"innerBlocks":5203,"name":5026,"postId":5018,"originalContent":5204,"get_parent":5205,"attributes":5206,"dynamicContent":37},[],"\u003Cp>Früher sind in die Berechnung des Scores sehr viele Kriterien eingeflossen. Ab März 2026 hat die Schufa die Berechnung des Scores auf nur noch 12 Kriterien umgestellt:\u003C\u002Fp>",{},{"content":5207,"dropCap":16,"anchor":416},"Früher sind in die Berechnung des Scores sehr viele Kriterien eingeflossen. Ab März 2026 hat die Schufa die Berechnung des Scores auf nur noch 12 Kriterien umgestellt:",{"innerBlocks":5209,"name":5210,"postId":5018,"originalContent":5211,"get_parent":5212,"attributes":5213,"dynamicContent":37},[],"core\u002Flist","\u003Col>\u003Cli>Zahlungsstörungen\u003C\u002Fli>\u003Cli>Alter des ältesten Bankvertrags\u003C\u002Fli>\u003Cli>Alter der ältesten Kreditkarte\u003C\u002Fli>\u003Cli>Alter der aktuellen Adresse\u003C\u002Fli>\u003Cli>Alter des jüngsten Rahmenkredits\u003C\u002Fli>\u003Cli>Anzahl der Anfragen und Abschlüsse für Girokonten und Kreditkarten in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Anzahl der Anfragen außerhalb des Bankenbereichs in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Aufgenommene Ratenkredite in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Längste Restlaufzeit aller Ratenkredite\u003C\u002Fli>\u003Cli>Kreditstatus\u003C\u002Fli>\u003Cli>Immobilienkredit\u003C\u002Fli>\u003Cli>Vorliegen einer Identitätsprüfung\u003C\u002Fli>\u003C\u002Fol>",{},{"ordered":15,"values":5214,"anchor":416},"\u003Cli>Zahlungsstörungen\u003C\u002Fli>\u003Cli>Alter des ältesten Bankvertrags\u003C\u002Fli>\u003Cli>Alter der ältesten Kreditkarte\u003C\u002Fli>\u003Cli>Alter der aktuellen Adresse\u003C\u002Fli>\u003Cli>Alter des jüngsten Rahmenkredits\u003C\u002Fli>\u003Cli>Anzahl der Anfragen und Abschlüsse für Girokonten und Kreditkarten in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Anzahl der Anfragen außerhalb des Bankenbereichs in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Aufgenommene Ratenkredite in den vergangenen 12 Monaten\u003C\u002Fli>\u003Cli>Längste Restlaufzeit aller Ratenkredite\u003C\u002Fli>\u003Cli>Kreditstatus\u003C\u002Fli>\u003Cli>Immobilienkredit\u003C\u002Fli>\u003Cli>Vorliegen einer Identitätsprüfung\u003C\u002Fli>",{"innerBlocks":5216,"name":5026,"postId":5018,"originalContent":5217,"get_parent":5218,"attributes":5219,"dynamicContent":37},[],"\u003Cp>Jedem dieser Kriterien wird eine bestimmte Punktzahl zugewiesen. Daraus ergibt sich am Ende ein Gesamtwert zwischen 100 und 999. Ein höherer Wert steht dabei für eine bessere Kreditwürdigkeit.\u003C\u002Fp>",{},{"content":5220,"dropCap":16,"anchor":416},"Jedem dieser Kriterien wird eine bestimmte Punktzahl zugewiesen. Daraus ergibt sich am Ende ein Gesamtwert zwischen 100 und 999. Ein höherer Wert steht dabei für eine bessere Kreditwürdigkeit.",{"innerBlocks":5222,"name":5026,"postId":5018,"originalContent":5223,"get_parent":5224,"attributes":5225,"dynamicContent":37},[],"\u003Cp>Es empfiehlt sich, deinen Schufa-Score regelmäßig zu überprüfen, um stets den aktuellen Stand deiner Bonität im Blick zu haben und mögliche Fehler rechtzeitig zu entdecken und berichtigen zu lassen.\u003C\u002Fp>",{},{"content":5226,"dropCap":16,"anchor":416},"Es empfiehlt sich, deinen Schufa-Score regelmäßig zu überprüfen, um stets den aktuellen Stand deiner Bonität im Blick zu haben und mögliche Fehler rechtzeitig zu entdecken und berichtigen zu lassen.",{"innerBlocks":5228,"name":5026,"postId":5018,"originalContent":5229,"get_parent":5230,"attributes":5231,"dynamicContent":37},[],"\u003Cp>Deinen Score kannst du kostenlos im Online-Portal der Schufa einsehen. Dort erhältst du außerdem einen Überblick darüber, welche Informationen über dich gespeichert sind, wer deine Daten oder deinen Score abgerufen hat und welche Auswirkungen bestimmte Entscheidungen haben könnten.\u003C\u002Fp>",{},{"content":5232,"dropCap":16,"anchor":416},"Deinen Score kannst du kostenlos im Online-Portal der Schufa einsehen. Dort erhältst du außerdem einen Überblick darüber, welche Informationen über dich gespeichert sind, wer deine Daten oder deinen Score abgerufen hat und welche Auswirkungen bestimmte Entscheidungen haben könnten.",{"innerBlocks":5234,"name":5026,"postId":5018,"originalContent":5235,"get_parent":5236,"attributes":5237,"dynamicContent":37},[],"\u003Cp>Mithilfe des neuen Score-Modells lässt sich beispielsweise simulieren, wie sich die Aufnahme eines Kredits, die Kündigung einer Kreditkarte oder andere Veränderungen in deinem Profil auf deinen Score auswirken würden. Darüber hinaus stellt die Schufa online einen Score-Simulator zur Verfügung, mit dem du das Scoring-System auf interaktive Weise besser kennenlernen kannst.\u003C\u002Fp>",{},{"content":5238,"dropCap":16,"anchor":416},"Mithilfe des neuen Score-Modells lässt sich beispielsweise simulieren, wie sich die Aufnahme eines Kredits, die Kündigung einer Kreditkarte oder andere Veränderungen in deinem Profil auf deinen Score auswirken würden. Darüber hinaus stellt die Schufa online einen Score-Simulator zur Verfügung, mit dem du das Scoring-System auf interaktive Weise besser kennenlernen kannst.",{"innerBlocks":5240,"name":5017,"postId":5018,"originalContent":5241,"get_parent":5242,"attributes":5243,"dynamicContent":37},[],"\u003Ch3>Wie kommt es zu einer schlechten Schufa?\u003C\u002Fh3>",{},{"content":5244,"level":83,"anchor":416},"Wie kommt es zu einer schlechten Schufa?",{"innerBlocks":5246,"name":5026,"postId":5018,"originalContent":5247,"get_parent":5248,"attributes":5249,"dynamicContent":37},[],"\u003Cp>Du bekommst einen negativen Schufa-Eintrag und dementsprechend einen geringeren Score nicht ohne Weiteres. Eine schlechte Schufa bzw. einen negativen Score erhältst du, wenn es deinerseits zu Zahlungsausfällen kommt oder du z.B. zweimal hintereinander nicht auf Mahnungen reagierst.\u003C\u002Fp>",{},{"content":5250,"dropCap":16,"anchor":416},"Du bekommst einen negativen Schufa-Eintrag und dementsprechend einen geringeren Score nicht ohne Weiteres. Eine schlechte Schufa bzw. einen negativen Score erhältst du, wenn es deinerseits zu Zahlungsausfällen kommt oder du z.B. zweimal hintereinander nicht auf Mahnungen reagierst.",{"innerBlocks":5252,"name":5253,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5254,"attributes":5255},[],"acf\u002Fdashed-card",{},{"name":5253,"data":5256},{"color":5257,"title":176,"description":5258,"emoji":5259,"link":5260,"button_text":5261},"orange","Du möchtest dir auch echte Kreditkarten anschauen? In unserem Vergleich kannst du über 80 Anbieter miteinander vergleichen.","💳","\u002Fvergleich\u002Fkreditkarte\u002F","Zum Vergleich",{"innerBlocks":5263,"name":5017,"postId":5018,"originalContent":5264,"get_parent":5265,"attributes":5266,"dynamicContent":37},[],"\u003Ch2>„Echte“ Kreditkarte ohne Schufa – gibt es das?\u003C\u002Fh2>",{},{"content":5267,"level":124,"anchor":416},"„Echte“ Kreditkarte ohne Schufa – gibt es das?",{"innerBlocks":5269,"name":5026,"postId":5018,"originalContent":5270,"get_parent":5271,"attributes":5272,"dynamicContent":37},[],"\u003Cp>Eine „echte“ Kreditkarte mit allen Annehmlichkeiten zu erhalten, ohne, dass eine Schufa-Abfrage eingeholt wird, ist mehr oder weniger ausgeschlossen. Denn eine Kreditkarte verfügt immer über einen Kreditrahmen, den du monatlich ausschöpfen kannst. Dabei streckt die Bank das Geld vor und fordert es meist per Abrechnung am Monatsende wieder zurück. Der Bank ist es deshalb wichtig zu wissen, ob ein Kreditkarteninhaber das verliehene Geld zurückzahlen kann.\u003C\u002Fp>",{},{"content":5273,"dropCap":16,"anchor":416},"Eine „echte“ Kreditkarte mit allen Annehmlichkeiten zu erhalten, ohne, dass eine Schufa-Abfrage eingeholt wird, ist mehr oder weniger ausgeschlossen. Denn eine Kreditkarte verfügt immer über einen Kreditrahmen, den du monatlich ausschöpfen kannst. Dabei streckt die Bank das Geld vor und fordert es meist per Abrechnung am Monatsende wieder zurück. Der Bank ist es deshalb wichtig zu wissen, ob ein Kreditkarteninhaber das verliehene Geld zurückzahlen kann.",{"innerBlocks":5275,"name":5026,"postId":5018,"originalContent":5276,"get_parent":5277,"attributes":5278,"dynamicContent":37},[],"\u003Cp>Bei echten Kreditkarten gibt es die Modelle Charge und Revolving: Die Rechnung wird bei einer Charge-Kreditkarte monatlich vollständig beglichen. Eine Revolving-Kreditkarte kann hingegen in Raten ausgeglichen werden.\u003C\u002Fp>",{},{"content":5279,"dropCap":16,"anchor":416},"Bei echten Kreditkarten gibt es die Modelle Charge und Revolving: Die Rechnung wird bei einer Charge-Kreditkarte monatlich vollständig beglichen. Eine Revolving-Kreditkarte kann hingegen in Raten ausgeglichen werden.",{"innerBlocks":5281,"name":5017,"postId":5018,"originalContent":5282,"get_parent":5283,"attributes":5284,"dynamicContent":37},[],"\u003Ch2>3 Möglichkeiten zur Kreditkarte ohne Schufa im Überblick\u003C\u002Fh2>",{},{"content":5285,"level":124,"anchor":416},"3 Möglichkeiten zur Kreditkarte ohne Schufa im Überblick",{"innerBlocks":5287,"name":5026,"postId":5018,"originalContent":5288,"get_parent":5289,"attributes":5290,"dynamicContent":37},[],"\u003Cp>Wenn du Probleme hast, eine echte Kreditkarte ohne Schufa-Abfrage zu bekommen, findest du im Folgenden drei Optionen, wie du dennoch an eine Kreditkarte kommen kannst. Welche davon für dich die richtige ist, hängt vor allem davon ab, wofür du die Karte benötigst und welche Eigenschaften dir wichtig sind.\u003C\u002Fp>",{},{"content":5291,"dropCap":16,"anchor":416},"Wenn du Probleme hast, eine echte Kreditkarte ohne Schufa-Abfrage zu bekommen, findest du im Folgenden drei Optionen, wie du dennoch an eine Kreditkarte kommen kannst. Welche davon für dich die richtige ist, hängt vor allem davon ab, wofür du die Karte benötigst und welche Eigenschaften dir wichtig sind.",{"innerBlocks":5293,"name":5026,"postId":5018,"originalContent":5294,"get_parent":5295,"attributes":5296,"dynamicContent":37},[],"\u003Cp>Beachte jedoch, dass es auch hier möglich ist, dass die Anbieter eine Schufa-Abfrage durchführen. Außer, sie verzichten explizit darauf.\u003C\u002Fp>",{},{"content":5297,"dropCap":16,"anchor":416},"Beachte jedoch, dass es auch hier möglich ist, dass die Anbieter eine Schufa-Abfrage durchführen. Außer, sie verzichten explizit darauf.",{"innerBlocks":5299,"name":5026,"postId":5018,"originalContent":5300,"get_parent":5301,"attributes":5302,"dynamicContent":37},[],"\u003Cp>DieDie drei Möglichkeiten für eine Kreditkarte ohne Schufa sind:\u003C\u002Fp>",{},{"content":5303,"dropCap":16,"anchor":416},"DieDie drei Möglichkeiten für eine Kreditkarte ohne Schufa sind:",{"innerBlocks":5305,"name":5210,"postId":5018,"originalContent":5306,"get_parent":5307,"attributes":5308,"dynamicContent":37},[],"\u003Cul>\u003Cli>Prepaid-Kreditkarte\u003C\u002Fli>\u003Cli>Debit-Kreditkarte\u003C\u002Fli>\u003Cli>Basiskonto mit Kreditkarte\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":16,"values":5309,"anchor":416},"\u003Cli>Prepaid-Kreditkarte\u003C\u002Fli>\u003Cli>Debit-Kreditkarte\u003C\u002Fli>\u003Cli>Basiskonto mit Kreditkarte\u003C\u002Fli>",{"innerBlocks":5311,"name":5017,"postId":5018,"originalContent":5312,"get_parent":5313,"attributes":5314,"dynamicContent":37},[],"\u003Ch3>Prepaid-Kreditkarte ohne Schufa – lohnt sich das?\u003C\u002Fh3>",{},{"content":5315,"level":83,"anchor":416},"Prepaid-Kreditkarte ohne Schufa – lohnt sich das?",{"innerBlocks":5317,"name":5026,"postId":5018,"originalContent":5318,"get_parent":5319,"attributes":5320,"dynamicContent":37},[],"\u003Cp>Die \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002Fprepaid\u002F\">Prepaid-Kreditkarte\u003C\u002Fa> ist eine Option für alle, die keine echte Kreditkarte erhalten. Bevor du eine Prepaidkarte zum Einkaufen oder auf Reisen nutzen kannst, musst du sie zunächst mit Guthaben aufladen. Sie bietet sich daher für Minderjährige oder Personen mit einem negativen Schufa-Eintrag an.\u003C\u002Fp>",{},{"content":5321,"dropCap":16,"anchor":416},"Die \u003Ca href=\"\u002Fvergleich\u002Fkreditkarte\u002Fprepaid\u002F\" class=\"app-link\">Prepaid-Kreditkarte\u003C\u002Fa> ist eine Option für alle, die keine echte Kreditkarte erhalten. Bevor du eine Prepaidkarte zum Einkaufen oder auf Reisen nutzen kannst, musst du sie zunächst mit Guthaben aufladen. Sie bietet sich daher für Minderjährige oder Personen mit einem negativen Schufa-Eintrag an.",{"innerBlocks":5323,"name":5026,"postId":5018,"originalContent":5324,"get_parent":5325,"attributes":5326,"dynamicContent":37},[],"\u003Cp>Im Gegensatz zu einer echten Kreditkarte gewährt eine Prepaid-Kreditkarte keinen Kreditrahmen. Allerdings setzen viele Anbieter relativ niedrige Limits für das Abheben von Bargeld – unabhängig vom Guthaben auf der Karte. Auch sonst musst du bei den Kostenpunkten wie Karten-, Auflade- oder Fremdwährungsgebühr in der Regel Abstriche machen.\u003C\u002Fp>",{},{"content":5327,"dropCap":16,"anchor":416},"Im Gegensatz zu einer echten Kreditkarte gewährt eine Prepaid-Kreditkarte keinen Kreditrahmen. Allerdings setzen viele Anbieter relativ niedrige Limits für das Abheben von Bargeld – unabhängig vom Guthaben auf der Karte. Auch sonst musst du bei den Kostenpunkten wie Karten-, Auflade- oder Fremdwährungsgebühr in der Regel Abstriche machen.",{"innerBlocks":5329,"name":5026,"postId":5018,"originalContent":5330,"get_parent":5331,"attributes":5332,"dynamicContent":37},[],"\u003Cp>Das Gute an dem Guthaben-Prinzip ist, dass du mit der Aufladung eines genauen Betrags deinen eigenen Verfügungsrahmen bestimmst. Auch ist die Prepaid-Kreditkarte meist nicht an ein eigenes Konto bei einer Filialbank geknüpft.\u003C\u002Fp>",{},{"content":5333,"dropCap":16,"anchor":416},"Das Gute an dem Guthaben-Prinzip ist, dass du mit der Aufladung eines genauen Betrags deinen eigenen Verfügungsrahmen bestimmst. Auch ist die Prepaid-Kreditkarte meist nicht an ein eigenes Konto bei einer Filialbank geknüpft.",{"innerBlocks":5335,"name":5253,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5336,"attributes":5337},[],{},{"name":5253,"data":5338},{"color":5257,"title":5339,"description":5340,"emoji":5341,"link":5342,"button_text":416},"Prepaid-Karten werden nicht überall akzeptiert","Beachte bei einer Prepaid-Kreditkarte, dass sie nicht von allen Autovermietungen und Hotels akzeptiert wird, wenn du eine Kaution hinterlegen möchtest. Du solltest dich also bei Urlauben nicht darauf verlassen – oder vorab beim Anbieter oder Hotel nachfragen.","⚠️","\u002F",{"innerBlocks":5344,"name":5017,"postId":5018,"originalContent":5345,"get_parent":5346,"attributes":5347,"dynamicContent":37},[],"\u003Ch3>Debit-Kreditkarte ohne Schufa als Alternative\u003C\u002Fh3>",{},{"content":5348,"level":83,"anchor":416},"Debit-Kreditkarte ohne Schufa als Alternative",{"innerBlocks":5350,"name":5026,"postId":5018,"originalContent":5351,"get_parent":5352,"attributes":5353,"dynamicContent":37},[],"\u003Cp>Unter Debit-Kreditkarten bzw. Debitkarten sind Kreditkarten zu verstehen, bei denen der fällige Betrag direkt vom dazugehörigen Bankkonto abgebucht wird. Falls du eine Debitkarte ohne Schufa abschließen möchtest, erhältst du fast nie einen Dispokredit. Daher musst du größtenteils Geld auf das Konto einzahlen, bevor du die Karte nutzen kannst. Prepaid-Kreditkarten und Debitkarten ohne Schufa ähneln sich also sehr.\u003C\u002Fp>",{},{"content":5354,"dropCap":16,"anchor":416},"Unter Debit-Kreditkarten bzw. Debitkarten sind Kreditkarten zu verstehen, bei denen der fällige Betrag direkt vom dazugehörigen Bankkonto abgebucht wird. Falls du eine Debitkarte ohne Schufa abschließen möchtest, erhältst du fast nie einen Dispokredit. Daher musst du größtenteils Geld auf das Konto einzahlen, bevor du die Karte nutzen kannst. Prepaid-Kreditkarten und Debitkarten ohne Schufa ähneln sich also sehr.",{"innerBlocks":5356,"name":5026,"postId":5018,"originalContent":5357,"get_parent":5358,"attributes":5359,"dynamicContent":37},[],"\u003Cp>Da kein Kredit gewährt wird, sind Debitkarten auch mit Schufa-Eintrag erhältlich. Wie bei Prepaid-Kreditkarten werden Debit-Kreditkarten für eine Kaution nur eingeschränkt akzeptiert.\u003C\u002Fp>",{},{"content":5360,"dropCap":16,"anchor":416},"Da kein Kredit gewährt wird, sind Debitkarten auch mit Schufa-Eintrag erhältlich. Wie bei Prepaid-Kreditkarten werden Debit-Kreditkarten für eine Kaution nur eingeschränkt akzeptiert.",{"innerBlocks":5362,"name":5017,"postId":5018,"originalContent":5363,"get_parent":5364,"attributes":5365,"dynamicContent":37},[],"\u003Ch3>Basiskonto mit Kreditkarte\u003C\u002Fh3>",{},{"content":5366,"level":83,"anchor":416},"Basiskonto mit Kreditkarte",{"innerBlocks":5368,"name":5026,"postId":5018,"originalContent":5369,"get_parent":5370,"attributes":5371,"dynamicContent":37},[],"\u003Cp>Eine andere, etwas unkonventionelle Art, eine Kreditkarte ohne Schufa zu erhalten, ist der Weg über das Basiskonto. Banken sind verpflichtet, allen Bürgern, die in einem Land der Europäischen Union gemeldet sind, ein sogenanntes Basiskonto zu ermöglichen – auch bei negativem Schufa-Score. Einzige Bedingung: Du darfst noch kein anderes Bankkonto haben. Mit diesem Guthaben-Konto soll gewährleistet sein, dass grundlegende Bankgeschäfte wie Überweisungen und Lohneinzahlungen für alle möglich sind.\u003C\u002Fp>",{},{"content":5372,"dropCap":16,"anchor":416},"Eine andere, etwas unkonventionelle Art, eine Kreditkarte ohne Schufa zu erhalten, ist der Weg über das Basiskonto. Banken sind verpflichtet, allen Bürgern, die in einem Land der Europäischen Union gemeldet sind, ein sogenanntes Basiskonto zu ermöglichen – auch bei negativem Schufa-Score. Einzige Bedingung: Du darfst noch kein anderes Bankkonto haben. Mit diesem Guthaben-Konto soll gewährleistet sein, dass grundlegende Bankgeschäfte wie Überweisungen und Lohneinzahlungen für alle möglich sind.",{"innerBlocks":5374,"name":5253,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5375,"attributes":5376},[],{},{"name":5253,"data":5377},{"color":5378,"title":5379,"description":5380,"emoji":5381,"link":5382,"button_text":5261},"green","Girokonto ohne Schufa","Du suchst ein Girokonto ohne Schufa-Abfrage? In unserem Vergleich findest du über 25 normale Konten und Basiskonten, die du ohne Schufa-Abfrage eröffnen kannst.","🚀","\u002Fvergleich\u002Fgirokonto\u002Fohne-schufa\u002F",{"innerBlocks":5384,"name":5026,"postId":5018,"originalContent":5385,"get_parent":5386,"attributes":5387,"dynamicContent":37},[],"\u003Cp>Eine Kreditkarte ist zwar kein expliziter Teil der Bestimmungen, bei manchen Banken ist sie dennoch inklusive. Falls bei einem Basiskonto eine Kreditkarte enthalten ist, ist dies eine Prepaid- oder Debit-Kreditkarte.\u003C\u002Fp>",{},{"content":5388,"dropCap":16,"anchor":416},"Eine Kreditkarte ist zwar kein expliziter Teil der Bestimmungen, bei manchen Banken ist sie dennoch inklusive. Falls bei einem Basiskonto eine Kreditkarte enthalten ist, ist dies eine Prepaid- oder Debit-Kreditkarte.",{"innerBlocks":5390,"name":5391,"postId":5018,"originalContent":5392,"get_parent":5393,"attributes":5394},[],"core\u002Fimage","\u003Cfigure class=\"wp-block-image size-large\">\u003Cimg src=\"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F09\u002Fvirtuelle-kreditkarte-ohne-schufa-1920x839.jpg\" alt=\"Kreditkarte ohne Schufa Vergleich von Konditionen\" class=\"wp-image-3087614\"\u002F>\u003C\u002Ffigure>",{},{"url":5395,"alt":5396,"caption":416,"title":416,"href":5342,"rel":416,"linkClass":416,"linkTarget":416,"anchor":416,"id":5397,"sizeSlug":5398,"linkDestination":5399},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F09\u002Fvirtuelle-kreditkarte-ohne-schufa-1920x839.jpg","Kreditkarte ohne Schufa Vergleich von Konditionen",3087614,"large","none",{"innerBlocks":5401,"name":5017,"postId":5018,"originalContent":5402,"get_parent":5403,"attributes":5404,"dynamicContent":37},[],"\u003Ch2>Was hat es mit einer virtuellen Kreditkarte ohne Schufa auf sich?\u003C\u002Fh2>",{},{"content":5405,"level":124,"anchor":416},"Was hat es mit einer virtuellen Kreditkarte ohne Schufa auf sich?",{"innerBlocks":5407,"name":5026,"postId":5018,"originalContent":5408,"get_parent":5409,"attributes":5410,"dynamicContent":37},[],"\u003Cp>Mehrere Anbieter bieten bereits virtuelle Debit- oder Prepaid-Kreditkarten – teilweise ohne Schufa-Abfrage – an. Diese eignen sich, wenn du z.B. nur online oder über Apple- oder Google Pay bezahlst.\u003C\u002Fp>",{},{"content":5411,"dropCap":16,"anchor":416},"Mehrere Anbieter bieten bereits virtuelle Debit- oder Prepaid-Kreditkarten – teilweise ohne Schufa-Abfrage – an. Diese eignen sich, wenn du z.B. nur online oder über Apple- oder Google Pay bezahlst.",{"innerBlocks":5413,"name":5026,"postId":5018,"originalContent":5414,"get_parent":5415,"attributes":5416,"dynamicContent":37},[],"\u003Cp>Entscheidest du dich für eine \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fkreditkarte\u002Fvirtuelle-kreditkarte\u002F\">virtuelle Kreditkarte\u003C\u002Fa>, liegen dir nur die Daten der Kreditkarte (Kartennummer, Prüfnummer, PIN) vor, die du zum Bezahlen brauchst. Alles in allem unterscheidet sich diese Funktion nicht stark von Online-Bezahldiensten wie Paypal.\u003C\u002Fp>",{},{"content":5417,"dropCap":16,"anchor":416},"Entscheidest du dich für eine \u003Ca href=\"\u002Fkreditkarte\u002Fvirtuelle-kreditkarte\u002F\" class=\"app-link\">virtuelle Kreditkarte\u003C\u002Fa>, liegen dir nur die Daten der Kreditkarte (Kartennummer, Prüfnummer, PIN) vor, die du zum Bezahlen brauchst. Alles in allem unterscheidet sich diese Funktion nicht stark von Online-Bezahldiensten wie Paypal.",{"innerBlocks":5419,"name":5017,"postId":5018,"originalContent":5420,"get_parent":5421,"attributes":5422,"dynamicContent":37},[],"\u003Ch2>Vor- und Nachteile einer Kreditkarte ohne Schufa\u003C\u002Fh2>",{},{"content":5423,"level":124,"anchor":416},"Vor- und Nachteile einer Kreditkarte ohne Schufa",{"innerBlocks":5425,"name":5026,"postId":5018,"originalContent":5426,"get_parent":5427,"attributes":5428,"dynamicContent":37},[],"\u003Cp>Entscheide anhand der Vor- und Nachteile, ob eine Kreditkarte ohne Schufa für dich geeignet ist:\u003C\u002Fp>",{},{"content":5429,"dropCap":16,"anchor":416},"Entscheide anhand der Vor- und Nachteile, ob eine Kreditkarte ohne Schufa für dich geeignet ist:",{"innerBlocks":5431,"name":5432,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5433,"attributes":5434},[],"acf\u002Fpros-cons",{},{"name":5432,"data":5435},{"pros_cons_title":5436,"pros_cons_pros_0_pros_cons_pros_description":5437,"pros_cons_pros_1_pros_cons_pros_description":5438,"pros_cons_pros":124,"pros_cons_cons_0_pros_cons_cons_description":5439,"pros_cons_cons_1_pros_cons_cons_description":5440,"pros_cons_cons":124},"Vor- & Nachteile","Keine Schufa-Prüfung","Schützt vor Verschuldung","Akzeptanz bei Kaution eingeschränkt","Kein Kreditrahmen",{"innerBlocks":5442,"name":5026,"postId":5018,"originalContent":5443,"get_parent":5444,"attributes":5445,"dynamicContent":37},[],"\u003Cp>Der größte Vorteil einer Kreditkarte ohne Schufa ist, dass keine Schufa-Prüfung erforderlich ist. So erhalten auch Menschen mit einem schlechten Schufa-Score eine Kreditkarte. Zudem schützen Kreditkarten ohne Schufa vor Verschuldung, da kein Kredit gewährt wird. Zu bedenken ist, dass die Akzeptanz bei Kaution eingeschränkt ist. Häufig verlangen etwa Mietwagenunternehmen echte Kreditkarten und nehmen Prepaid- und Debit-Kreditkarten nur teilweise an. Außerdem gewährt eine Kreditkarte ohne Schufa-Abfrage auch keinen Kreditrahmen, mit dem du dir sozusagen Geld von der Bank ausleihen kannst.\u003C\u002Fp>",{},{"content":5446,"dropCap":16,"anchor":416},"Der größte Vorteil einer Kreditkarte ohne Schufa ist, dass keine Schufa-Prüfung erforderlich ist. So erhalten auch Menschen mit einem schlechten Schufa-Score eine Kreditkarte. Zudem schützen Kreditkarten ohne Schufa vor Verschuldung, da kein Kredit gewährt wird. Zu bedenken ist, dass die Akzeptanz bei Kaution eingeschränkt ist. Häufig verlangen etwa Mietwagenunternehmen echte Kreditkarten und nehmen Prepaid- und Debit-Kreditkarten nur teilweise an. Außerdem gewährt eine Kreditkarte ohne Schufa-Abfrage auch keinen Kreditrahmen, mit dem du dir sozusagen Geld von der Bank ausleihen kannst.",{"innerBlocks":5448,"name":5017,"postId":5018,"originalContent":5449,"get_parent":5450,"attributes":5451,"dynamicContent":37},[],"\u003Ch2>\u003Cstrong>Häufig gestellte Fragen\u003C\u002Fstrong>\u003C\u002Fh2>",{},{"content":5452,"level":124,"anchor":416},"\u003Cstrong>Häufig gestellte Fragen\u003C\u002Fstrong>",{"innerBlocks":5454,"name":5455,"postId":5018,"originalContent":416,"saveContent":416,"get_parent":5456,"attributes":5457},[],"acf\u002Faccordion",{},{"name":5455,"data":5458},{"accordion_0_accordion_headline":5459,"accordion_0_accordion_description":5460,"accordion_1_accordion_headline":5461,"accordion_1_accordion_description":5462,"accordion_2_accordion_headline":5463,"accordion_2_accordion_description":5464,"accordion_3_accordion_headline":5465,"accordion_3_accordion_description":5466,"accordion":133},"Gibt es eine echte Kreditkarte ohne Schufa-Abfrage?","Grundsätzlich gibt es keine echte Kreditkarte ohne Schufa-Abfrage, denn eine echte Kreditkarte gewährt dem Karteninhaber einen Kreditrahmen. Die Bank oder ein anderes Finanzinstitut wiederum sichert sich über die Bonitätsabfrage mittels Schufa-Abfrage ab.","Welche Kreditkarten kann man ohne Schufa beantragen?","Prepaid- und Debit-Kreditkarten können ohne Schufa-Abfrage beantragt werden. Allerdings führen auch hier die Banken oft eine Abfrage aus. Bei Prepaid-Karten muss der Karteninhaber zunächst Guthaben auf die Karte laden, bevor er sie nutzen kann. Bei Debitkarten, die ohne Schufa-Prüfung möglich sind, werden die Kartenbelastungen zeitnah vom Konto abgebucht.","Gibt es eine kostenlose Kreditkarte ohne Schufa?","Kostenlos sind etwa die Debitkarten von Trade Republic, Revolut, Trading212 und SumUp.","Gibt es eine Kreditkarte ohne Schufa mit Dispo?","Eine Kreditkarte ohne Schufa mit Dispokredit wird fast nie angeboten – was auch nicht verwunderlich ist. Denn bevor die Bank einen Kredit gewährt, muss der Konto- oder Karteninhaber über eine ausreichende Bonität verfügen. Dafür fragt das Finanzinstitut die Daten meist bei der Schufa ab.",[5468,5471,5472],{"title":5469,"link":5470},"Vergleich","\u002Fvergleich\u002F",{"title":44,"link":5260},{"title":5473,"link":416},"Ohne Schufa","cG9zdDozMDY3MTEw",{"__typename":5476,"metaDesc":5477,"opengraphType":5478,"opengraphTitle":5479,"opengraphSiteName":5480,"opengraphImage":5481,"metaRobotsNoindex":5488,"metaRobotsNofollow":5489,"opengraphDescription":5477,"opengraphModifiedTime":5490,"opengraphPublishedTime":416,"twitterTitle":416,"twitterDescription":416,"title":5479,"readingTime":941},"PostTypeSEO","Finde eine Kreditkarte ohne Schufa-Abfrage mit unserem Vergleich. Schaue, wer neben Revolut, Curve, N26 u.v.m. das passende Angebot für dich bereithält.","article","Kreditkarte ohne Schufa: 15+ Karten im Vergleich (07\u002F2026)","Finanzfluss",{"__typename":5482,"sourceUrl":5483,"mediaDetails":5484},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Fheader-kreditkarte-ohne-schufa.jpg",{"__typename":5485,"width":5486,"height":5487},"MediaDetails",1280,720,"index","follow","2026-04-16T09:49:19+00:00","Kreditkarte ohne Schufa 2026","https:\u002F\u002Fvg06.met.vgwort.de\u002Fna\u002F2bc4b2c48344423e8c2d2fb54de8e73f","\u002Fvergleich\u002Fkreditkarte\u002Fohne-schufa\u002F","sub-comparison",1784640733252]