Credit cards have become an integral part of our everyday lives. Whether for shopping, traveling or online orders – they offer flexibility and convenience. But not every credit card suits every user. A comparison of credit cards can help you find the best offer and you can often save considerable costs.
In this article, you will learn why a credit card comparison is important, for whom it is particularly worthwhile, how high the savings potential is and which banks in Austria offer credit cards. We also explain why applying via kredit-fuchs.at is the easiest and quickest option. We also take a look at the advantages of comparing installment loans, personal loans and instant loans.
Why is it worth comparing credit cards?
Credit card offers vary greatly – from annual fees and interest rates to additional benefits such as travel insurance or bonus programs. A credit card comparison allows you to check the various options clearly and choose the offer that best suits your needs.
The biggest advantages of a credit card comparison:
- Transparency
You can see at a glance which credit card offers the lowest costs and the best benefits. - Cost savings
By making a comparison, you can often avoid high fees and benefit from favorable conditions. - Take individual needs into account
A comparison will help you find a card that suits your lifestyle – be it a credit card with cashback, travel benefits or low interest rates. - No hidden fees
With a comparison calculator, you know exactly what costs you will incur and avoid unexpected fees.
For whom is a credit card comparison worthwhile?
A comparison is not only useful for certain user groups, but for anyone who wants to apply for a credit card. However, there are different priorities depending on individual needs:
- Frequent flyers and travelers
For frequent travelers, a credit card with travel insurance, free cash withdrawals abroad and bonus programs such as earning miles is worthwhile. - Occasional users
People who rarely use the card benefit from a card without an annual fee or with low fixed costs. - Online shoppers
If you often shop online, you should look for a card with good security features and cashback programs. - People with a weaker credit rating
People with a low credit rating can also find credit cards that are tailored to their financial situation by making a comparison. - Entrepreneurs and the self-employed
There are special business credit cards for entrepreneurs with higher limits and functions such as expense management.
How much can I save by comparing credit cards?
The potential savings from a comparison depend on your usage behavior. Here are some examples:
- Annual fees
While some credit cards have no annual fee, other cards can charge up to 200 euros per year. A comparison helps to minimize these costs. - Interest
If you use the credit line and do not settle it on time, interest will be charged. Depending on the provider, this can be between 10 % and 20 % per year. - Foreign currency fees
Many cards charge 1-3% fees for payments in foreign currencies. Cards without this fee quickly save 50 to 100 euros per year when used abroad. - Additional services
Travel insurance, cashback programs or bonus points can bring additional savings of several hundred euros a year.
A well thought-out credit card comparison can therefore easily save several hundred euros a year.
Which banks in Austria issue credit cards?
There are a large number of banks and financial service providers in Austria that offer credit cards. Here is an overview:
- Banks with a wide range of products
- Erste Bank: Offers classic credit cards as well as gold and platinum cards with additional benefits.
- Bank Austria: Wide range of products, from standard cards to premium solutions for frequent travelers.
- Raiffeisen Bank: Credit cards with regional benefits and additional programs.
- Specialist provider
- Advanzia Bank: Known for its free Mastercard Gold with no annual fee.
- DKB (Deutsche Kreditbank): Particularly popular with people who travel a lot, thanks to fee-free foreign transactions.
- Cooperation cards
- Credit cards offered in cooperation with partners, e.g. Miles & More cards from Lufthansa.
- Online banks
- Providers such as N26 or Revolut offer innovative credit card solutions without traditional annual fees, often with modern app control.
Why it makes sense to apply via kredit-fuchs.at
Applying for a credit card via kredit-fuchs.at offers several advantages:
- Fast processing
With just a few clicks, you can compare different credit cards and submit an application directly. - No deterioration in creditworthiness
A comparison via kredit-fuchs.at only leads to non-binding condition inquiries that do not affect your creditworthiness. - Tailor-made offers
The comparison calculator filters suitable credit cards based on your individual requirements, e.g. income situation or travel purposes. - Simplicity
The intuitive operation makes the comparison and application process uncomplicated, even for beginners. - Extended options
In addition to credit cards, kredit-fuchs.at also offers comparisons for car loans, personal loans and small loans – all in one place.
Start the credit card comparison on kredit-fuchs.at today
