3. American Express Payback Credit Card
Der American Express Payback credit card is recognized as one of the best cashback credit cards in Germany.
It is the only free AMEX credit card that offers points with almost every card payment, making it an attractive choice for individuals seeking to maximize savings and rewards through the Payback program.
This card is excellent for online shopping, where American Express is widely accepted compared to physical stores and restaurants in Germany. Jedoch, it’s not suitable for travel due to a 2% foreign currency fee and a 4% cash withdrawal fee.
Requirements For A PAYBACK American Express Card
- du musst sein 18 Jahre oder älter.
- You must be registered in Germany.
- You must receive a regular monthly income.
- You must possess a German mobile phone number.
- You must have a German bank account.
- You must hold a valid passport.
- If you’re a Non-EU national, you need a valid residence permit.
- You must have a good SCHUFA score (Kredit Geschichte).
Pros and Cons of American Express Card
Vorteile:
- Keine Jahresgebühr
- No requirement for a checking account
- Earn double PAYBACK points at partner stores
- Monthly payment with no annual interest rate
- Mandatory and fully supported SEPA direct debit
- Convenient contactless payment options with Apple & Google Pay
- Accessible user-friendly app for card management (available only in German)
Nachteile:
- 2% fee for transactions in currencies other than the euro
- 4% fee for cash withdrawals from any ATM
- Limited acceptance at shops in Germany for American Express credit cards
- No reimbursement for foreign ATM fees
- Exclusive German-language website and customer service support
Rückzahlung
The PAYBACK American Express card operates as a charge credit card, eliminating the need to worry about timely debt payments.
The credit you accumulate is automatically deducted from your linked checking account every month. daher, annual interest rates are not applicable as long as your checking account maintains sufficient funds.
Mehr Details
| Kartenname | American Express PAYBACK |
| Kreditkarten Unternehmen | American Express |
| Speicherkarten-Typ | Kreditkarte (Charge) |
| Jahresgebühr | 0,00 € |
| Bonitätsprüfung | ✔️ |
| Kontaktloses Bezahlen | ✔️ |
| Apple Pay | ✔️ |
| Google Pay | ✔️ |
| Current account | ❌ |
| Haftung | 50,00 € |
| Bargeldabhebung in Deutschland | |
| Geldautomatengebühr / inländisch | 4% |
| Min. Geldautomatengebühr | €5.00 |
| Bargeldabhebung innerhalb der Eurozone | |
| Geldautomatengebühr Eurozone | 4% |
| Min. Geldautomatengebühr | €5.00 |
| Bargeldabhebung in Fremdwährung innerhalb des Europäischen Wirtschaftsraums, EWR | |
| Geldautomatengebühr für Abhebungen außerhalb von Euro innerhalb des Europäischen Wirtschaftsraums, EWR | 4% |
| Min. Geldautomatengebühr | €5.00 |
| Bargeldabhebung weltweit / außerhalb des Europäischen Wirtschaftsraums, EWR | |
| Geldautomatengebühr weltweit / außerhalb des Europäischen Wirtschaftsraums, EWR | 4% |
| Min. Geldautomatengebühr | €5.00 |
| Gebühr für Kartennutzung | |
| In der Eurozone | Kostenlos |
| Fremdwährung innerhalb des Europäischen Wirtschaftsraums, EWR | 2% |
| Fremdwährung außerhalb des Europäischen Wirtschaftsraums, EWR | 2% |
| Limits | |
| Cash withdrawal limit / week | €750.00 |
| Reiseversicherung | |
| Auslandskrankenversicherung | ✔️ |
| Reiserücktrittsversicherung | ✔️ |
| Reiseunfallversicherung | ✔️ |
| Gepäckversicherung | ✔️ |
| Reiseabbruchversicherung | ✔️ |
| Transportunfallversicherung | ❌ |
| Mietwagen | |
| Mietwagen-Vollkaskoversicherung | ❌ |
| Mietwagen-Rechtsschutz | ❌ |
| Haftung für Mietwagen | ❌ |
| Sonstige Versicherungen | |
| Abschluss einer Versicherung | ✔️ |
| Autoabdeckung | ❌ |
| Handyversicherung | ❌ |
