Advanzia Gebuehrenfrei review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Advanzia Gebuehrenfrei suits euro spenders who book rental cars and travel, since cashback of 5% back on rental car bookings, 5% travel credit on bookings is aimed at exactly those bookings.
Key facts
- Best for
- A fee-free euro credit card with travel cashback for people who pay the balance in full.
- Annual fee
- €0
- Currency conversion fee
- 0%
- Rewards type
- Cashback
- Rewards rate
- 5% back on rental car bookings, 5% travel credit on bookings
- Perks
- Up to 7 weeks interest-free payment target, Travel insurance included, Free 24h customer service, 1.7 million ATMs and 35 million acceptance points worldwide, Mobile payment with Google Pay, Apple Pay and Garmin Pay, Advanzia mobile app, No minimum spend
- Card kind
- Credit
- Legal entity
- Advanzia Bank S.A.↗
- Headquarters
- Luxembourg↗
- Founded
- 2005↗
- Support channels
- Phone
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- advanzia.com
Savings
- Deposit protection
- EU DGS up to EUR 100,000↗
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Cashback on rental car and travel bookings, at 5% back on rental car bookings, 5% travel credit on bookings.
- No minimum spend, with an interest-free payment target on a purchase set out in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
- Balances with the bank are covered by EU DGS up to EUR 100,000.
- Travel insurance, an app, and mobile payment with Google Pay, Apple Pay and Garmin Pay sit in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Cons
- Customer support runs on phone only.
- Rewards are narrow: 5% back on rental car bookings, 5% travel credit on bookings focuses on rental car and travel bookings rather than everyday spending.
- It is a credit card, so a balance left after the interest-free target is borrowed money.
Who it suits
- Euro spenders who travel and pay in a single currency.
- Card holders who book rental cars or travel through the bank, where the cashback sits.
- People who clear the balance within the interest-free payment target in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Who should look elsewhere
- Varo Believe Secured Credit Card, for anyone after a secured card rather than a euro travel card.
- Wise, for spending money you already hold, with an annual fee of £0.
- Starling Personal Account Debit Card, for a sterling account that spends your own balance, with an annual fee of £0.
How Advanzia Gebuehrenfrei compares
- 9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4- 9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0- 9.0 vs 8.0
9.0 vs 9.1
Where Advanzia Gebuehrenfrei is available
- Available
- Germany
Countries from the brand (checked September 26, 2026)
Frequently asked questions
What does it cost to hold the card?+
The annual fee is €0 and the card carries no minimum spend, so nothing has to be earned or paid back to keep it open. It is a credit card, so cost only starts when a balance is left beyond the interest-free payment target in up to 7 weeks interest free payment target, travel insurance included and free 24h customer service.
Is there a charge when I spend in another currency?+
The currency conversion fee is 0%, so euro spending abroad adds nothing to convert. That places the card at 1 of 186 brands on this fee, and travel insurance comes as part of up to 7 weeks interest free payment target, travel insurance included and free 24h customer service for trips paid for on the card.
What kind of rewards does it pay?+
Rewards are cashback rather than points: cashback. The rate, 5% back on rental car bookings, 5% travel credit on bookings, focuses on rental car bookings and travel credit taken through the bank, so the card pays on trips rather than on everyday spending. Rewards appear in the rewards list for the card.
Is my money protected?+
Balances with Advanzia Bank S.A. sit under EU DGS up to EUR 100,000. The card is issued by Advanzia Bank S.A., based in Luxembourg, and the bank has been running since 2005. Across the products compared here, the median retail loss percentage is 70.15%.
How do I get help with the card?+
Support runs on phone, and the up to 7 weeks interest free payment target, travel insurance included and free 24h customer service list includes free customer service around the clock. A single channel means the phone is the route for balance queries, card problems and disputes, so it suits card holders who are comfortable phoning rather than writing.
How do I manage the card day to day?+
The account runs through the Advanzia app, and up to 7 weeks interest free payment target, travel insurance included and free 24h customer service covers mobile payment with Google Pay, Apple Pay and Garmin Pay. The same list sets out the interest-free payment target that applies to a purchase, alongside the travel insurance cover.
How does it compare with the fee-free alternatives?+
The annual fee at Wise is £0 and at Starling Personal Account Debit Card it is £0, but both spend money you already hold rather than lending it. Advanzia Gebuehrenfrei lends on credit terms and pays cashback on 5% back on rental car bookings, 5% travel credit on bookings.
Sources
- advanzia.com checked September 26, 2026
Backs: Legal entity
“Advanzia Bank S.A.”
- en.wikipedia.org/wiki/Advanzia_Bank checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters
“The new company was issued a banking license by the Luxembourg Ministry of Finance in late 2005 and went on to launch its business operations in 2006.”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
Related by the facts
Advanzia Gebuehrenfrei
A fee-free euro credit card with travel cashback for people who pay the balance in full.