Which credit card pays the most on dining in Germany?
Of the cards whose terms were read off the issuer, Targobank Gold (Targobank) publishes the highest rate on dining in Germany: 1.00% (at most EUR 8.33 back a month; EUR 59 a year). This is a ranking of published rates, not a recommendation to apply.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
4 read cards · Germany · dining
The answer, from 4 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 1.00% | Targobank GoldcheckedTargobank · EUR 59 a year · checked 12 Sep 2026at most EUR 8.33 back a month |
| 2 | 1.00% | Trade Republic KartecheckedTrade Republic · no annual fee · checked 12 Sep 2026at most EUR 15 back a month |
| 3 | 0.33% | PAYBACK American ExpresscheckedAmerican Express · no annual fee · checked 12 Sep 2026 |
| 4 | 0.20% | PAYBACK Visa KreditkartecheckedPAYBACK · EUR 29 a year · checked 12 Sep 2026 |
The right card depends on what you have already spent.
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.
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