American Express Payback Card
The Amex Payback Card links Germany's most popular loyalty programme to a free credit card, letting you collect Payback points on every purchase and redeem them with hundreds of partners.
Why it ranks
- Free card tied to Germany's biggest loyalty scheme
- Easy to accumulate and redeem points
- No cost to hold
What holds it back
- Amex acceptance is narrower than Visa or Mastercard
- 2% foreign transaction fee
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Amex Payback Card links Germany's most popular loyalty programme to a free credit card, letting you collect Payback points on every purchase and redeem them with hundreds of partners.
American Express Payback Card at a glance
| Issuer | American Express Germany |
| Card network | Amex |
| Annual fee | No annual fee |
| Welcome bonus | Bonus Payback points after first purchases |
| Rewards rate | 1 Payback point per 2 euros (more with partners) |
| Intro APR | Not applicable |
| Regular APR | Not applicable (charge card, paid in full) |
| Foreign transaction fee | 2% on foreign currency purchases |
| Credit needed | Positive SCHUFA, regular income |
| Best for | Payback loyalty fans wanting points on every euro |
| Airport lounge access | No |
Rewards & benefits
- Earn Payback points everywhere Amex is accepted
- Boosted points at Payback partner retailers
- No annual fee for the card
- Redeem points for vouchers, miles or statement credit
Eligibility & who it suits
- Resident in Germany with a registered address
- Positive SCHUFA credit standing
- Regular, verifiable income
- Minimum age of 18
How to apply
Check current rates on American Express Germany’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Germany cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AEAmerican Express GermanyPaybackNo annual fee · DE American Express Payback CardPayback loyalty fans wanting points on every euro |
None | 1 Payback point per 2 euros (more with partners) | Bonus Payback points after first purchases | 2% on foreign currency pur… | Positive SCHUFA, regular income | |
| 2 | DKDeutsche Kreditbank (DKB)DKB Visa DebitkarteNo annual fee · DE DKB Visa DebitkarteTravellers with DKB active status who want a free German card with no FX fees |
None | No cashback or points (pure no-fee value) | No standing welcome bonus | 0% with DKB active status… | Positive SCHUFA, regular income | |
| 3 | AEAmerican Express GermanyPlatinum€720/yr · DE American Express Platinum CardAffluent travellers who maximise premium perks |
€720/yr | 1 Membership Rewards point per euro spent | Up to tens of thousands of Membership Rewards points after s… | 2% on foreign currency pur… | Excellent SCHUFA, high regular i… | |
| 4 | HHanseatic BankGenialCardNo annual fee · DE Hanseatic Bank GenialCardCost-conscious users wanting a free travel-friendly Visa |
None | No points; flexible repayment | Frequently runs a new-customer cash bonus | 0% on purchases worldwide | Positive SCHUFA, regular income |
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