CrowdTrust is a finance and insurance company that specializes in offering the Gebührenfrei Mastercard Gold through Advanzia Bank. This credit card is designed for individuals seeking a cost-effective payment solution, as it features no annual fees, no cash withdrawal fees, and no foreign transaction fees. The card is particularly appealing to consumers who travel frequently or make purchases in foreign currencies, providing them with the flexibility to manage their finances without incurring additional charges. Targeting a diverse customer base, CrowdTrust focuses on providing a straightforward online application process that allows users to obtain their Mastercard Gold quickly. The company also emphasizes the benefits of the card, such as a chance to win UEFA Champions League tickets and up to seven weeks of interest-free payment terms. By offering a transparent and user-friendly service, CrowdTrust aims to meet the needs of both domestic and international consumers looking for a reliable credit card option.
Reviewers express high satisfaction with the Gebührenfrei Mastercard Gold from Advanzia Bank, highlighting its fee-free structure and ease of use. Many customers appreciate the card's effectiveness for international payments and the overall positive experience, with comments like "sehr einfach" and "alles klappt perfekt." The service is frequently praised, with users noting quick responses and clear information.
However, some consumers report issues, such as the card being blocked unexpectedly and difficulties with online transactions, which can be frustrating. Additionally, a few mention concerns about high interest rates and the lack of automatic payments. Despite these criticisms, the majority of feedback remains overwhelmingly positive, reflecting a strong overall sentiment towards the card's benefits.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.5 | 60 | 100% | — | ● Medium |
Monthly average rating from reviews written by people.
Not enough history for a trend yet: 60 reviews in 1 month. The chart appears once reviews span two months.
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Super service”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Website & app | Service | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.5 out of 5 (good) | 100 out of 100 | 3.7 out of 5 (good) | 5.0 out of 5 (good) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.0 out of 5 (fair) | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Gebührenfrei Mastercard Gold (Advanzia Bank) is #4 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 3.7).
60 reviews of Gebührenfrei Mastercard Gold (Advanzia Bank). Filter by what matters to you.
Update (12.September 2025): Die Bank scheint eine besondere „Kundenbetreuung“ entwickelt zu haben: Statt Lösungen gibt es immer nur neue Bearbeitungsnummern. Statt Antworten bekommt man Textbausteine. Und statt Verantwortung – Schweigen. So entsteht der Eindruck: Die Bearbeitungsnummer ist das eigentliche Produkt der Bank – und nicht die Kreditkarte.
Ich war im Urlaub (Mittelamerika) und wollte einen Ausflug bezahlen => Zahlung abgelehnt, Karte gesperrt. Ich wollte Flüge buchen => Zahlung abgelehnt, Karte gesperrt. Nach Stunden in der Warteschleife und keine Antworten auf Emails wurde nach mehrmaligem hin und her die Karte wieder entsperrt. Ich wollte (für die selbe Reise wie die Flüge) einen Mietwagen buchen => Zahlung abgelehnt, Karte gesperrt (diesmal wurde mir nicht mal mitgeteilt, dass die Karte gesperrt wurde). Wofür habe ich eine Kreditkarte wenn ich damit keine Zahlungen (auch wenn die Empfänger im Ausland sitzen (bei einer Luxemburger Bank noch seltsamer)) tätigen kann? Noch dazu wo ich beide Zahlungen per App und Transactionscode freigegeben habe. Ich erspare mir die Zeit mich um eine Entsperrung zu bemühen, es gibt genug Alternativen. Mir sind die Rückzahlungsformalitäten und die Zinsen egal, da mir diese vorher bekannt waren. Aber die Karte ist einfach unbenutzbar.
Horrende Zinsen für Bargeldverfügungen und bestimmte Zahlungen fällt ein effektiver Jahreszins von 24,49% an. Dieser Zins wird wohl voll berechnet auch wenn man das Soll innerhalb weniger Tage wieder ausgleicht. Ich war nun 10 Jahre bei der Advanzia und habe jetzt gekündigt. Die Kreditkarte von Gebührenfrei kann ich inzwischen nicht mehr empfehlen. Es gibt inzwischen deutlich attraktivere Anbieter.
Quick answers to the questions people ask most.
Yes, Gebührenfrei Mastercard Gold is a legitimate company with numerous positive reviews. Customers frequently mention the ease of application and satisfaction with their services, contributing to a strong reputation.
Yes, it is generally safe to use Gebührenfrei Mastercard Gold. Verified reviews indicate that many customers have had positive experiences, citing security and support, although there are some concerns about customer service responsiveness.
Gebührenfrei Mastercard Gold offers a no-fee credit card with features suitable for international payments. Users appreciate the quick application process and immediate usability upon approval.
Payments can be made via the Gebührenfrei Mastercard Gold at various merchants worldwide, and users have noted the card's convenience for online and in-store purchases.
Customer support can typically be reached through the contact information provided on their official website, gebuhrenfrei.com. Many users have reported positive interactions with the support team.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
CrowdTrust is a finance and insurance company that specializes in offering the Gebührenfrei Mastercard Gold through Advanzia Bank. This credit card is designed for individuals seeking a cost-effective payment solution, as it features no annual fees, no cash withdrawal fees, and no foreign transaction fees. The card is particularly appealing to consumers who travel frequently or make purchases in foreign currencies, providing them with the flexibility to manage their finances without incurring additional charges. Targeting a diverse customer base, CrowdTrust focuses on providing a straightforward online application process that allows users to obtain their Mastercard Gold quickly. The company also emphasizes the benefits of the card, such as a chance to win UEFA Champions League tickets and up to seven weeks of interest-free payment terms. By offering a transparent and user-friendly service, CrowdTrust aims to meet the needs of both domestic and international consumers looking for a reliable credit card option.
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