Product Overview

American Express – BMW Card


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❗️CURRENT PROMOTION❗️ Order the American Express BMW Card and receive a €20 starting bonus on your card.

This German credit card is a charge credit card provided by American Express.

You can register online for the American Express BMW Card. On their homepage, a blue button saying Jetzt sichern will lead you to the online form. Filling it out only takes a few minutes. After legitimising yourself via post or video ident, the American Express BMW Card will be sent to you via mail.

  • Overseas Health Insurance included
  • 1% off petrol at any partner gas station
  • 20€ starting bonus
  • Supports Apple Pay

This exclusive credit card collects American Express loyalty points (Membership Rewards) with every purchase. You also get €20 starting credit if you make payments within the first three months.

The 10 minute registration process can be done online, you will only need to identify yourself either via an online service or via PostIdent, which is a check of your passport at a local post office.

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Credit Card Type

Charge Credit Card

Cash Withdrawal

4% (min. 5€)

Foreign Currency Payment

2% of the amount

With this German credit card, no annual fee applies, as long as your annual revenue is more than 4,000€. If you spend less than 4,000€ using the American Express BMW Card, the annual fee is 20€.

When registering for this German credit card, you will receive a 20€ credit. The only condition to receive this offer is that you have to have a card revenue within the first three months after registration.

The American Express BMW Card comes with many advantages, such as included overseas health insurance and free partner cards. You can register for a partner card online – the process only takes a few minutes. Also, this German credit card is on of the only credit cards in Germany that allows you to use Apple Pay. American Express also offers free online banking. In addition to that, you can download their free Amex App.

The credit card bills of the American Express BMW Card can be paid monthly via direct debit. American Express also offers an extended payment due date, conditions to make use of this service can be found on their homepage.

When losing your American Express BMW Card, American Express will provide you with a free replacement card. Their customer service answers your call 24/7, 7 days per week (+49 069 9797 4011). Also, American Express sends you free SMS or Emails regarding your credit card.

As a customer of this German credit card you can enjoy many advantages:

  • Overseas Health Insurance included
  • Travel Insurance included
  • Contactless Payment and Apple Pay
  • Access to their bonus program (reductions, credits, Membership Rewards points)
  • Access to American Express Invites: privileged entry to events such as concerts, shows or sports
  • Access to BMW Vorteilswelt
  • 24/7 Customer Service

You can use your Membership Rewards points to receive reductions on travel bookings and flights, but also to pay your credit card bills or the annual fee.

This German credit card is great for people who travel a lot, both for holidays and work.

However, a disadvantage of the American Express BMW Card is that cash withdrawal in Germany is quite expensive (3% fee of withdrawn amount). Also, the Fremdwährungsentgelt (foreign currency charge) is 2% (of each transaction).

  • Earn 1 Membership Rewards point for every 1 Euro spent anywhere. Membership Rewards points can be redeemed for great products, travel, gift cards, or you can even pay with the points.

Additional advantages of the American Express card include these services (provided by the partner insurances):

  • extended return policy (90 days) for your purchases online or offline (min. value of purchase 30€, max. value 400€ per purchase, 1.500€ per year), certain exclusions apply.
  • free global travel information and support service (visa regulation information, required vaccinations information, referral of English-speaking hospitals or doctors)
  • shipping of forgotten prescriptions, urgent medicine, glasses or contact lenses (if broken during your travels) from your home address to your current address abroad
  • Easy access to your balance overview via the exclusive Platinum Mobile App

Apple Watch with American Express Green Card

Other terms:

  • max. cash withdrawal: 1.500€/7 days
  • in case of a card abuse through no fault of one’s own, the max. liability amount is 50€
  • if your billing amount cannot be paid in time, American Express charges a fee (base rate plus 5%) after the first admonition and 8€ for every following admonition

This credit card is a good choice, if you plan to use it for payments in Germany or a country that has the Euro, because the foreign currency fee is quite high (2% of your purchase amount). It is also not advisable to withdraw cash with the American Express card, because it will cost you a fee of 4% of the withdrawal amount (minimum 5 Euro).

American Express Germany supports Apple Pay

Please refer to the original American Express contract terms for the complete list of services and fees.

Order here.


American Express Germany BMW