American Express (Amex) is the globally recognized name for premium credit cards. They provide several of the best credit card options in Germany, each designed with specific features and benefits to suit different lifestyles.
This article explores the American Express credit card range available in Germany, providing a detailed analysis of all options. Whether you are looking for travel perks, rewards programs, or cost-effective spending solutions, this guide will help you understand the unique features of each card and how they can fit into your life in Germany.
Additionally, I will highlight the practicalities of using Amex in Germany, such as merchant acceptance, fees, and customer support, to give you a clear picture of what to expect. I aim to equip you with the knowledge needed to make an informed decision, emphasizing aspects like international transactions, Amex application processes, and limitations expats should know.
American Express Credit Cards: Product Review in a Nutshell
PROS
CONS
- Flexible options across different price ranges and benefits
- Robust rewards program, including Membership Rewards points and cashback
- Perks tailored to frequent travelers, such as travel insurance and lounge access
- English-language customer support available
- Easy account management via the dedicated mobile app with Apple Pay and Google Pay support
- Automated full monthly bill repayment with possibility for Splitpay
- Can be connected to your existing German bank account
- Limited merchant acceptance compared to Visa or Mastercard
- High foreign transaction and ATM withdrawal fees on some cards
- Online banking only in German
As a happy American Express cardholder, I think American Express rewards credit cards offer significant advantages for those who value premium services and international compatibility. However, weighing these benefits against the potential drawbacks, such as higher fees and limited acceptance, is essential.
In the following sections, I will delve deeper into the specific offerings of each card, providing you with all the information you need to decide if an American Express credit card is the right choice for you.
Who Stands Behind American Express?
American Express, commonly known as Amex, is a globally recognized credit card company. Established in 1850, it has a long history of providing premium credit and payment solutions. Focusing on prestige and quality, American Express has built a reputation for excellent customer service, innovative rewards programs, and financial reliability.
American Express in Germany
In Germany, American Express is a trusted brand of credit cards with a diverse range of products for varying consumer needs. While its offerings are consistent with global standards, certain features have been tailored to suit the preferences and requirements of the German market. For instance:
- Rewards Systems: Cards like the PAYBACK American Express integrate with Germany’s popular loyalty program.
- Perks and offers: Discounts and redemption opportunities integrate local offers by German merchants, restaurants, hotel chains, and more.
- Localized Customer Service: German-speaking customer support is readily available, with limited English-language assistance for those who need it.
Why Choose American Express?
American Express is often associated with premium offerings, and its German credit card lineup is no exception. Key reasons why customers gravitate toward Amex include:
- Global Reach: Seamless use across international borders is ideal for those traveling frequently or maintaining connections in other countries.
- Robust Security Measures: Amex cards have advanced fraud detection systems, providing users with peace of mind.
- Prestige and Exclusivity: Certain cards, such as the Platinum Card, are seen as status symbols, offering luxurious perks and benefits.
What Makes Amex Unique in Germany?
Unlike other countries, Germany does not have an extensive credit card culture with many options to collect cashback or access certain privileges. Thus, compared to other credit card providers, American Express stands out in several ways:
- Membership Rewards Program: Unlike many competitors, Amex offers a robust points-based rewards program that is not tied to any store or chain.
- Specialized Cards: The range of cards includes options like the PAYBACK Amex for everyday savings and premium options like the Gold and Platinum cards for those seeking luxury and travel benefits.
- Partnerships with German Brands: Cards like the BMW Credit Card demonstrate Amex’s integration into German markets, offering exclusive benefits for brand enthusiasts.
American Express combines its global expertise with local adaptation, making it a compelling choice for those in Germany who value quality, rewards, and international usability.
General Costs and Fees for American Express Credit Cards
While Amex cards are known for their premium services, they often come with costs that reflect their value. However, there are also several options available that come without annual fees. Below is an overview of the key fees to consider when evaluating American Express cards in Germany.
Annual Membership Fees
The annual fee is one of the most significant differentiators between Amex cards. Several Amex cards offer incentives to offset their costs. Some cards waive the annual fee under certain conditions, such as a minimum yearly card turnover. Below is a comparison of the fees for each card:
Overview: American Express Cards and Fees in Germany
Card
Annual Fee
€0 (no annual fee)
€0 (no annual fee); 35 Euros for participating in Membership Rewards
€0 (as of second year with annual card turnover of >9,000 Euros); otherwise €72
€0 (as of second year with annual card turnover of >4,000 Euros); otherwise €20
Overview of Common Costs
Specific fees are consistent across most American Express cards available in Germany, making it easier to compare their unique features:
- Foreign Transaction Fees: Typically 2% on transactions made in non-Euro currencies.
- ATM Withdrawal Fees: A standard fee of 4% per withdrawal, with a minimum of €5. It is applicable whether you are withdrawing cash in Germany or abroad.
- Payment in installments: With Splitpay, you can decide to repay single purchases over a longer time. The interest rate is 11.57% (December 2024).
- Late Payment Penalties: The cost is 5% above the ECB base rate (3.4% in December 2024) plus an additional 8 Euros fixed fee for each reminder.
- Choose based on usage: A lower-cost option may suffice if you primarily use your card for domestic transactions and do not need premium perks.
- Maximize rewards: Higher annual fees may be worth it if you fully utilize the rewards and perks, such as travel insurance or lounge access.
- Avoid cash withdrawals and transactions: High withdrawal fees mean Amex cards are best used for purchases in Euros rather than obtaining cash or paying overseas. I recommend you use a secondary Visa or Mastercard that does not charge a cost for this.
- Pay bills on time: Even though American Express fees for installments or late payments are lower than those of other providers, they still make a difference.
Perks and Rewards Across All American Express Credit Cards
American Express is renowned for its generous perks and rewards programs, among the key reasons customers choose its credit cards. In Germany, Amex offers a variety of benefits that cater to diverse needs, from earning points on everyday spending to premium travel perks. Below is an overview of the rewards and advantages shared across the Amex credit card lineup.
Membership Rewards Program
One of the standout features of most American Express cards is the Membership Rewards program. This system allows cardholders to earn points on almost every transaction. You can earn 1 point per Euro spent, or 1.5 points per Euro with the “turbo” option activated. The turbo option increases your earnings per Euro by 50%, is available with most cards, and costs 15 Euros annually.
Membership Rewards Points can be redeemed for:
- Card Statement: Reduce your card balance and pay selected transactions with accumulated points.
- Shopping: Get gift cards or purchase directly with points at partner retailers.
- Travel: Book flights, hotels, or car rentals on the Amex portal.
- Charity: Donate your points to support good causes.
- Point transfers: Convert points to airline miles, hotel loyalty programs, or PAYBACK. This is oftentimes the most lucrative option.
Point Transfer Options: Overviews of Hotels & Airlines
Exchange Ratio
Participating Programs
1 Membership Reward Points
=
2 Program miles / points
Hotels: Radisson Rewards
1 Membership Reward Points
=
1 Program miles / points
Hotels: Hilton Honors
5 Membership Reward Points
=
4 Program miles / points
Airlines:
Asia Miles (Cathay Pacific), British Airways Executive Club, Emirates Skywards, Etihad Guest, Flying Blue (Air France-KLM), Iberia Plus, Qatar Priviledge Club, SAS Eurobonus
3 Membership Reward Points
=
2 Program miles / points
Airlines: KrisFlyer (Singapore Airlines), Delta SkyMiles
Hotels: Marriott Bonvoy
3 Membership Reward Points
=
1 Program miles / points
Airlines: Miles & More (Lufthansa via PAYBACK)
Cashback Opportunities with PAYBACK
In 2010, American Express acquired the German loyalty program PAYBACK. It cooperates with hundreds of German retailers like EDEKA or dm and online shops like Amazon, eBay, and Adidas. The program is ideal for everyday shopping. You can earn regular PAYBACK points for shopping and additional points when using the Amex Card.
PAYBACK points can be redeemed for discounts or rewards. You have two options to gain PAYBACK points with an American express card:
- You collect Membership Rewards and convert them into PAYBACK points. 3 Membership Rewards equal 1 PAYBACK point.
- The PAYBACK American Express Credit Card, focus on cashback rather than traditional rewards points. With this card, you directly collect 1 PAYBACK point for each 3 Euros spent with the card.
Amex Offers for Exclusive Discounts
Amex frequently partners with retailers, restaurants, and other businesses to provide exclusive deals. Amex Offers can be activated in the app and include discounts or cashback at retailers, online stores, hotels, airlines or for luxury goods or services.
Furthermore, you can get early access to concerts, events, or sales.
Insurance and Protection
Most Amex cards include built-in protections, such as:
- Purchase Protection: Coverage against theft or damage for items bought with the card.
- Extended warranty or return period: An additional time on top of the manufacturer’s warranty or online shop’s return period for eligible products.
- Fraud Protection: Zero liability for unauthorized transactions.
Travel Perks
American Express is particularly appealing to frequent travelers, offering benefits like:
- Airport Lounge Access: Available with premium cards like the Platinum Card.
- Travel Assistance Services: A concierge-like service for booking travel and resolving issues during trips.
- Travel Insurance: Coverage includes medical emergencies, cancellations, or lost luggage (details depend on the card level).
Insurance Packages by American Express Card Type
| PAYBACK | Blue | Green | Gold | Platinum | BMW | BMW Premium | |
|---|---|---|---|---|---|---|---|
| 90 days refund | |||||||
| Shop Garant (90 days purchase protection) | |||||||
| Transport accident | |||||||
| Rental car | |||||||
| Vehicle protection | |||||||
| Travel comfort | |||||||
| Liability and legal cost abroad | |||||||
| Luggage | |||||||
| Travel accident | |||||||
| Travel cancellation | |||||||
| Health abroad | |||||||
| Car keys | |||||||
| Car legal protection | |||||||
| Leasing protection |
American Express offers a diverse range of credit cards in Germany, catering to various needs and lifestyles. In the next chapters, I provide an in-depth look at each card, highlighting its differentiating key features, fees, and ideal use cases.
PAYBACK American Express Card
The PAYBACK American Express Credit Card stands out as one of only two free credit cards offered by American Express in Germany. Its defining feature is the ability to earn PAYBACK points with every purchase, PAYBACK Points can for example be redeemed for cash (1 Point = 1 Cent), shopping vouchers, or Lufthansa Miles & More (1 Point = 1 mile). It makes it a unique option as the only completely free credit card in Germany for earning miles.
The PAYBACK Amex is particularly suitable for everyday use due to its lack of an annual fee – not only during the first year but permanently. For every 3 Euros spent, regardless of the merchant (except gas stations), cardholders earn one PAYBACK point. When shopping at PAYBACK partner stores (e.g., EDEKA, dm, Amazon), you earn additional points from the store itself, effectively doubling your rewards. Additionally, the card combines the functionality of a payment method and a PAYBACK card, eliminating the need to carry a separate PAYBACK card.
Another notable advantage is that the PAYBACK American Express automatically prevents your collected points from expiring.
The PAYBACK American Express also has a 90 days refund insurance: Even after the return period granted by the retailer, you can use the extended right of return for new products. These must have been paid for with your American Express credit card within the last 90 days.
PAYBACK American
Express Card
No annual fee
4,000 PAYBACK points start bonus
When Is The PAYBACK American Express Right for You?
The PAYBACK American Express is an excellent choice for anyone interested in earning cashback or miles without incurring annual fees. It is particularly well-suited as an entry-level card for those who frequently use PAYBACK or want to start collecting miles. Using this card for daily purchases, you can earn points or miles at no extra cost, making it a risk-free introduction to rewards programs.
The card can offer even more value for those who actively participate in PAYBACK promotions. In some cases, certain payments may earn more miles through promotional offers than with any other airline credit card, making it a competitive choice for savvy shoppers. Of course, with all other German Amex cards, you can easily convert your Membership Rewards points into PAYBACK points and Lufthansa miles for the same 3:1 ratio. However, with no annual fees and the added benefit of preventing point expiration, the PAYBACK Amex is a low-risk, high-reward choice. It is suitable for anyone who wants to make the most of their everyday spending and is not a savvy hotel points or airline miles collector.
American Express Blue Card
The American Express Blue Card serves as the entry-level option in the American Express lineup in Germany. A key attraction of this card is its permanent lack of an annual fee, making it an affordable choice for those new to credit cards. However, the card does not offer the same range of premium benefits as the higher-tier American Express cards.
While the card provides access to the Membership Rewards Program, it comes at an additional cost of 30 Euros per year. This is a notable difference from other American Express cards, where participation in the rewards program is typically included in the annual fee.
The Blue Card includes a transportation accident insurance policy, providing coverage for accidents during travel on public transportation such as buses, trains, or flights. This can be a valuable benefit, particularly for those who travel internationally. Additionally, the cardholder has the option to purchase a Priority Pass at a discounted rate, granting access to airport lounges worldwide.
American Express
Blue Card
No annual fee
€25 start bonus
When Is The American Express Blue Card Right for You?
If you are considering the Blue card because you do not have a credit card yet and are looking for a free option for occasional use and do not require cashback opportunities., I recommend a free German credit card by Visa or Mastercard because of the higher acceptance rate.
The American Express Blue Card is best suited for individuals seeking a cost-free entry point into the American Express ecosystem. However, in most cases, the Blue Card may not be the best fit for those seeking a versatile or rewards-rich credit card. If you focus on maximizing miles, enjoying premium perks, or accessing extensive rewards, you may find better value in other American Express cards.
The free PAYBACK American Express is an excellent option for cashback or Lufthansa miles collectors. Suppose you want to enjoy the benefits of various loyalty programs with Membership Rewards. In that case, I recommend checking the BMW Card (20 Euro yearly, free as of the second year when reaching the minimum spending) or the Green Card (5 Euros monthly, free as of the second year when reaching the minimum spending).
American Express Green Card
The American Express Green Card, officially known as the American Express Card, is a compelling entry-level option for individuals seeking to join the American Express world. Its standout features include access to the lucrative Membership Rewards Program and a modest monthly fee of 5 Euros, which can be waived from the second year if you achieve an annual spend of 9,000 Euros with the card.
In addition to its affordability, the Green Card offers a robust suite of insurance and protection benefits:
- Transportation accident insurance: Coverage for accidents while using public transportation.
- 90-day purchase protection: Safeguards your purchases against damage or theft within 90 days of purchase.
- Travel comfort insurance: Provides compensation for travel disruptions such as flight delays, cancellations, overbooking, missed connections, or delayed baggage.
- Extended return policy: Offers a 90-day return window for purchases, enhancing buyer confidence.
This combination of affordability, rewards, and insurance benefits positions the Green Card as an attractive middle ground between no-frills credit cards and higher-tier premium options.
American Express
Card
€5 monthly fee, no annual fee as of year 2*
When Is The American Express Green Card Right for You?
The American Express Green Card does not have extensive perks or bonuses, such as the Gold Card. Hence, the American Express Green Card is well-suited for rewards enthusiasts seeking value. If you wish to participate in the Membership Rewards Program without incurring the higher fees of premium cards, this card is a cost-effective choice. The ability to waive the monthly fee after spending 9,000 Euros annually makes it even more appealing for those who use their card regularly.
You may benefit from starting with the Amex Gold Card instead, as it often comes with generous welcome bonuses in the form of Membership Rewards points or cash. This bonus can completely offset the price difference. After the first year, you can easily downgrade to the Green Card online while retaining access to the Membership Rewards Program at a lower cost.
American Express Gold Card
The American Express Gold Card stands out as one of the most desirable options for collecting rewards and miles in Germany. Its extensive array of benefits, particularly the comprehensive insurance package, makes it a popular choice among frequent travelers and those seeking value beyond everyday spending.
The comprehensive insurance packages especially include essential travel health insurance worldwide. All insurance benefits require that the relevant expenses, such as travel bookings or purchases, are paid using the Gold Card. The insurance package includes:
- Travel cancellation insurance: Protects against trip cancellations or interruptions.
- Worldwide travel health insurance: Essential coverage for medical emergencies abroad.
- Travel comfort insurance: Covers disruptions such as flight delays, baggage delays, or loss.
- Roadside assistance in Europe: Provides peace of mind for drivers.
- Transportation accident insurance: Offers coverage during public transport usage.
- 90-day purchase protection: Safeguards your purchases against damage or theft within 90 days of purchase.
- Extended return policy: Offers a 90-day return window for purchases, enhancing buyer confidence.
With an Amex Gold card, you have access to the Membership Rewards Program. Moreover, you enjoy car rental privileges, such as complimentary SIXT Gold Status and upgrades at Avis, Hertz, and SIXT enhance the car rental experience.
Finally, the American Express Travel Service can assist with bookings and travel issues.
American Express
Gold Card
€12 monhtly fee
€144 start bonus or 40,000 points
When Is The American Express Gold Card Right for You?
The American Express Gold Card is ideal for travel enthusiasts who value comprehensive insurance coverage. The card’s travel health insurance is particularly important. With benefits such as the SIXT Gold Status and complimentary upgrades, the Gold Card is a valuable tool for regular car renters. However, it is missing rental car insurance.
As with most Amex cards, you get access to the Membership Rewards Program to earn and redeem points effortlessly. However, you do not necessarily need a Gold Card for this. The Green Card provides similar access at a lower cost but lacks extensive insurance benefits.
On the other hand, the Gold Card often comes with a generous welcome bonus. It can offset the monthly fee difference with a Green Card during the initial year. Hence, it makes sense to get a Gold Card, enjoy the additional benefits for a year, and then downgrade if the card’s fee feels steep in the long term. The Gold Card requires a minimum 12-month holding period to retain the welcome bonus. However, its monthly cancellation policy provides flexibility once this period is completed.
American Express Platinum Card
The American Express Platinum Card is regarded as the pinnacle of credit cards in Germany, especially for frequent travelers seeking exceptional benefits. Its extensive suite of privileges spans travel perks, insurance coverage, lifestyle enhancements, and luxury rewards. An addition to the regular Membership Rewards beneftis, the perks and key benefits include:
Generous Annual Credits
- 200 Euros travel credit: Redeemable annually for flights, hotels, and car rentals via the Amex travel portal
- 150 Euros restaurant credit: Usable across a wide selection of restaurants worldwide, including Michelin-starred and cheaper casual dining options.
- 90 Euros shopping credit: Split into two 45 Euros credits each half-year for Net-a-Porter and Mr. Porter, covering luxury goods and other items like cosmetics or home décor
- 200 Euros SIXT Ride credit: Eight vouchers of 25 Euros each for limousine services.
Exclusive Lounge Access:
- Priority Pass membership: 50 free visits at over 1,400 airport lounges worldwide, including the ability to bring a guest.
- Centurion Lounges: Unlimited visits for cardholders.
- Other airline lounges (e.g. Lufthansa, Delta) Access available in conjunction with flights of the relevant airlines.
Comprehensive Insurance Package:
- Travel: Coverage includes travel cancellation, worldwide travel health, travel comfort (e.g., delays or lost baggage), car rental insurance, and liability protection.
- Purchases: Additional perks include purchase protection, extended return policies, and fraud protection.
Luxury Status Benefits
- Hotel status: Complimentary Gold status at Hilton, Marriott, Meliá, Radisson, and GHA Discovery Platinum, offering benefits like free breakfast, room upgrades, and late checkout.
- Car rental status: Enhanced privileges with AVIS, Hertz, and SIXT, including discounts and upgrades.
Additional Features
- Free metal card: The Platinum Card is crafted from durable metal, reflecting its premium status.
- 5 complimentary supplementary cards: One secondary cardholder can get an additional platinum card and gains access to most benefits, such as insurance and lounge access. Moreover, another 3 supplementary Amex Gold Cards are included.
American Express
Platinum Card
€60 monthly fee
€250 start bonus or 75,000 points
When Is The American Express Platinum Card Right for You?
The annual fee is substantial, so the Platinum Card is best suited for those who can leverage its extensive benefits. If your travel or luxury needs are minimal, a card like the American Express Gold Card might be better. The American Express Platinum Card is an excellent choice if you:
- Travel frequently and can make use of travel-related credits, insurance packages, or lounge access.
- Value premium experiences like luxury hotel statuses, dining credits, and the exclusive feel of a metal card cater to those who appreciate an elevated lifestyle.
- Can utilize the annual benefits. With credits worth up to 640 Euros and additional status perks like complimentary hotel breakfast, the 720 Euros annual fee can be effectively offset.
Otherwise, another Amex card, like the Gold Card, can also be a good fit. It offers the same opportunities to earn and redeem Membership Rewards points and includes a comprehensive travel insurance package.
BMW Card
The BMW American Express Card offers a blend of automotive-focused and everyday benefits, making it a versatile option for both BMW enthusiasts and general users. Despite its branding, the card is not exclusively beneficial for BMW drivers; its features cater to many users, including frequent travelers and those seeking cost-effective credit card options.
First, the card comes with a low annual fee of 20 Euros, which can be waived entirely with an annual spending of 4,000 Euros. It also provides a free international travel health insurance plan, an uncommon benefit among low-cost or free credit cards.
The card also offers a 1% cashback on fuel purchases at major gas stations, credited directly to your account, with no limit on the rebate amount.
Of course, cardholders earn one Membership Rewards point per euro spent, enabling seamless accumulation of rewards. However, the “Turbo” option for faster point collection is unavailable.
BMW
Card
€20 yearly fee, no annual fee as of year 2*
When Is The American Express BMW Card Right for You?
As a card co-branded with BMW, it might hold additional appeal for brand loyalists, though its benefits are broad enough to suit non-BMW drivers. The BMW American Express Card is a well-rounded, affordable option, particularly for drivers and cost-conscious users who still want access to rewards and travel benefits.
The low or no annual fee or the ability to eliminate it with modest spending makes this card highly attractive for those seeking an affordable entry into the world of rewards credit cards. The card is an excellent tool for earning points in the Amex Membership Rewards program without high annual fees. However, the lack of the Membership Rewards “Turbo” option limits the card’s point-earning potential for heavy spenders. If this is important to you, consider the Green card.
Moreover, if you drive frequently, the 1% fuel cashback at major stations can add up to significant savings over time.
The BMW Premium Card Carbon by American Express is a high-end credit card tailored for BMW enthusiasts, frequent drivers, and travelers seeking premium benefits. This card offers a unique mix of automotive-focused perks, robust travel benefits, and exclusive rewards. The distinctive carbon design emphasizes its luxury status.
The pure automotive benefits include leasing protection that Covers damages on leased BMW or Mini vehicles and the “BMW Schutzbrief” with vehicle legal protection and auto key insurance.
A comprehensive travel insurance package includes trip cancellation, travel interruption, luggage protection, international travel health insurance, and car rental collision insurance. Frequent flyers will also appreciate the two complimentary Priority Pass memberships providing access to over 1,500 airport lounges in 120+ countries. You can also enjoy vehicle upgrades and discounts at SIXT rental services.
As with many other Amex credit cards, you also get the ShopGarant with an extended return window of up to 90 days. The Membership Rewards program features one particularity: You can double points on fuel purchases at many gas stations and BMW outlets. Thanks to up to four supplementary cards, you can share benefits with others and speed up point collection.
BMW Premium
Card Carbon
€500 yearly fee
€100 start bonus
When Is The American Express BMW Premium Card Carbon Right for You?
The BMW Premium Card Carbon is a standout choice for BMW fans and frequent travelers who can maximize its unique mix of rewards, insurance, and travel advantages. At 500 Euros per year, the card’s cost may outweigh its benefits unless you fully utilize its perks. For those less invested in these specific benefits, more cost-effective options may be available. On the other hand, the Amex Platinum offers more exciting perks if you are not a car enthusiast.
The BMW Premium Card Carbon is ideal if you lease or drive BMW or Mini vehicles. The leasing protection, insurance options, and double membership rewards points are specifically tailored to your needs. Also, travel frequently so you can use the complimentary lounge access and comprehensive travel insurance.
Limitations of American Express Credit Cards in Germany
While American Express credit cards offer many appealing features, I also know that there are drawbacks. These limitations can influence whether an Amex card is the right choice for your financial needs. From my perspective, the key challenges of using American Express in Germany are as follows:
Limited Merchant Acceptance
One of the most significant issues with American Express in Germany is its lower acceptance rate than Visa and Mastercard. I personally have to say that I am always positively surprised about Amex acceptance in Germany. Meanwhile, all supermarket chains, larger retailers, hotels, and online stores accept American Express. Smaller businesses, local restaurants, and independent shops do not always support it. However, in this case I have no problem to pay with my regular Debit Card.
High Annual Fees
American Express credit cards, particularly the premium options like the Gold and Platinum cards, come with steep annual fees. These fees can be justified if you maximize the rewards and benefits, but for infrequent users, they may outweigh the value provided. It makes sense to choose a free option like PAYBACK, Green, or BMW if you are unsure.
ATM Withdrawal Fees
While it is possible to withdraw cash using an Amex card, the fees are generally high, making regular cash withdrawals an impractical choice. I recommend using your regular debit card for this.
Foreign Currency Transaction Fees
Although American Express cards are well-suited for international use, all of their cards charge a foreign currency transaction fee of 2%. This can add up quickly for frequent travelers who use their cards abroad. I personally have an addtional travel credit card with free cash withdrawals and no foreign-transation fees.
- Choosing a card model that aligns with your spending habits can help offset the high annual fees.
- Carrying a backup card ensures you are prepared for situations where Amex is not accepted or just too expensive (e.g., abroad or for cash withdrawals).
How Easy Is It to Manage an American Express Credit Card?
American Express offers a range of tools and services to make card management straightforward for its German customers. Below, I will explore the key aspects of managing an Amex credit card, including digital tools, customer support, and real-life usability.
Mobile App and Online Banking
American Express provides a user-friendly mobile “Amex DE” app and online banking platform central to managing your card. Both tools are designed with intuitive interfaces, allowing you to handle everyday tasks efficiently.
- Statements and transaction monitoring: View your recent purchases and track spending instantly.
- Rewards tracking: Check your Membership Rewards or monthly PAYBACK points earnings and redeem them with just a few taps.
- Amex Offers: Explore and activate cashback discounts with selected brands.
- Further advantages: Access the travel booking portal, buy event tickets, and more.
Customer Service
American Express has built its reputation on excellent customer service, and its support network in Germany r:eflects this commitment
- Multilingual Support: While the app and website are in German, assistance is also available in English.
- 24/7 Availability: Help is accessible around the clock, even for emergencies like lost cards or fraudulent transactions.
Integration with Digital Wallets
All American Express cards in Germany are compatible with popular digital wallets like Apple Pay and Google Pay, enabling you to make contactless payments with your smartphone or smartwatch.
How to Apply for an American Express Credit Card in Germany
Applying for an American Express credit card in Germany is straightforward; it follows the regular credit card application process. In this section, I will guide you through the application steps and the requirements and give some tips.
Application Process for American Express Credit Card
Eligibility Requirements
Before applying, ensure that you meet the following essential eligibility criteria:
- German Residence: You must be a German resident with a valid German address.
- German Bank Account: A German bank account is necessary for receiving payments and making transactions.
- Proof of Identity and Address: Be prepared to provide identification documents such as your passport or national ID card, as well as proof of address (e.g., a utility bill or a registration certificate from your local authorities).
- Schufa Check: Like most credit card applications in Germany, a Schufa creditworthiness check will be performed to assess your financial standing. Schufa is a credit bureau that collects information about your financial history, including loan payments, existing credit cards, and any debts. Generally speaking, contrary to the common perception, Amex’s standards for handing out a credit card are not exceptionally high.
- In typical cases, even students and people with lower incomes get approval, especially for the lower-tier cards.
- However, it is essential that you have no negative SCHUFA records. Meaning you do not have any outstanding or missed payments.
The Schufa check might be the biggest hurdle for expats new to the country. In this case, expat-friendly credit cards can be a good alternative.
Conclusion: Is an American Express Credit Card Right for You?
In my opinion, American Express makes sense for almost anyone. The connected advantages and rewards you can collect over time really pay off. With so many free options without annual fees, there is not much you can do wrong, even as a beginner.
Choosing an American Express credit card in Germany ultimately comes down to evaluating your financial habits, lifestyle, and the value you place on perks and rewards. There is likely a card suited to your specific needs:
- If you are a student or everyday shopper, the PAYBACK American Express might be a good choice. With no annual fees, the card pays off immediately. As the acceptance is very high with retailers in Germany, you can quickly accumulate rewards to convert into cash, vouchers, products, or even Lufthansa Miles & More. As you automatically participate in the PAYBACK program, you can quickly accumulate points shopping at associated retailers and online shops.
- If you like to travel and accumulate rewards that you can flexibly exchange at different hotels or airlines, you require a card to participate in the Membership Rewards Program.
- The Amex Green Card is without an annual fee as of year two with 9,000 Euros of turnover or more. However, the American Express Gold Card makes more sense if you require a comprehensive travel insurance package. It also comes with a high welcome bonus, so it is often cheaper than the Green Card during the initial year. You can then easily downgrade after a year.
- The BMW Card can be an alternative, with a low or no annual fee, especially if you are a frequent driver or looking for a credit card with travel health insurance.
- Finally, the Platinum Card has it all. If you can make use of complementary travel, shopping, restaurant, and entertainment budgets, as well as the airport lounge access, the annual fees can pay off very quickly. This card is for you if you value premium experiences.
When is an American Express Card Not For You?
Sometimes, American Express might not be the best or only fit for you.
- If you mainly pay in cash, you cannot accumulate a lot of Rewards.
- The Amex fees are very high if you require a card to withdraw cash and pay in foreign currencies. In this case, there are better reward credit card options in Germany. Even some debit cards like N26 are well-suited for travel expenses.
- If you often rent cars from small local rental car companies. This was the only case where I would not have been able to rent a car during holidays, only having an Amex or Visa Debit. Rental car companies usually only accept credit and no debit cards. The big providers happily accept Amex, but smaller ones oftentimes do not.
In my opinion, an American Express credit card is an excellent choice if you are willing to maximize its features and benefits. It can provide significant value for travelers, individuals who enjoy exclusive experiences, or those looking for comprehensive rewards programs. With so many – even free – options, there is a card for everyone. And if you are unsure, you can upgrade to more premium options when your needs evolve over time.
