Germany is a hub for businesses, both large and small, and having a business credit card can be a valuable asset for managing finances. With a variety of options available, it can be challenging to determine which card is the best fit for your business.

Some of the top business credit cards in Germany include N26 Business Standard Mastercard, N26 Business Smart, and N26 Business You. When comparing different business credit card options, it’s essential to consider factors such as interest rates, rewards programs, fees, and additional benefits.


In this article, we will explore the best business credit cards in Germany and provide insights into how to obtain one.

What are Business Credit Cards?

Business credit cards are specialized financial instruments crafted to meet the requirements of businesses, entrepreneurs, and self-employed individuals.

With a variety of features and perks, they are customized to streamline business expenses like travel, procurement of supplies, and cash flow management.

These cards provide a convenient and distinct credit line from personal finances, making accounting tasks easier and enhancing expense monitoring capabilities.

Business Credit Cards in Germany

6 Reasons Why You Should Consider A Business Credit Card in Germany

Business credit cards in Germany offer several advantages that can help you manage your finances more effectively and efficiently. Here are six reasons to consider a business credit card in Germany:

  1. Improved cash flow management: Business credit cards allow you to separate personal and business expenses, making it easier to track and manage your cash flow.
  2. Enhanced expense tracking and reporting: Business credit cards often provide tools to help you categorize and track expenses, making it easier to prepare financial reports and analyze your business’s spending patterns.
  3. Access to rewards and cashback programs: Many business credit cards offer rewards programs that can help you save money on business expenses, such as travel, office supplies, and more.
  4. Potential for building business credit history: Using a business credit card responsibly can help you build a strong credit history for your business, which can be beneficial when applying for loans or other forms of financing.
  5. Potential for high interest rates if balances are not paid in full: It’s essential to pay your balance in full each month to avoid high-interest rates.
  6. Limited credit limits compared to corporate cards: Business credit cards typically have lower credit limits than corporate cards, which are designed for larger businesses with higher credit needs.

When choosing a business credit card in Germany, it’s crucial to consider factors such as interest rates, rewards programs, fees, and additional benefits. It’s also essential to prioritize features that align with your business’s unique requirements.

“Go through the next page to see our picks for the best-business credit cards in Germany.”