My German Finances
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The special perk of this credit card is the collection of Payback points with every purchase, except at gas stations. Payback points are loyalty points which are usually collected at all partner companies, but with this American Express Payback card, it does not matter if the store is a Payback partner store or not.
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.
| Credit Card Type | Charge Credit Card |
|---|---|
| Cash Withdrawal | 4% (min. 5€) |
| Foreign Currency Payment | 2% of the amount |
Additional advantages of the American Express card include these services (provided by the partner insurances):
Other terms:
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).
Please refer to the original American Express contract terms for the complete list of services and fees.
Try it out and let us know what you think!
