Advanzia Bank S.A. Gebührenfrei Mastercard Gold vs American Express Blue Card: fees, rewards and APR compared - DebitCue Skip to content
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Advanzia Bank S.A. Gebührenfrei Mastercard Gold vs American Express Blue Card

Compare Advanzia Bank S.A. Gebührenfrei Mastercard Gold and American Express Blue Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Advanzia Bank S.A. Gebührenfrei Mastercard Gold versus American Express Blue Card compared by attribute
Feature Advanzia Bank S.A. Gebührenfrei Mastercard Gold American Express Blue Card
Card fee No fee No fee
Purchase APR (from) 24.69% -
Interest-free period 49 days 30 days
Foreign transaction fee 0% 2%
Rewards 5% travel credit on package holidays and flights booked through the Advanzia/Urlaubsplus partner portal, and 5% rebate on car rentals booked through partner mietwagen.de. Rebate is credited the month following trip start or vehicle return. No general cashback on everyday purchases. 1 Membership Rewards point per €1 spent (optional paid programme at €30/year). Turbo option adds 50% bonus for €15/year extra. Points redeemable for travel, shopping, gift cards, and charitable donations.
Installments Revolving credit available; minimum monthly payment is 3% of outstanding balance (minimum €30). Interest accrues at 24.69% APR on any unpaid balance. Full balance repayment by the 20th of each month avoids interest on purchases. Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.); minimum amount €300
No card fee
No foreign transaction fee -
Welcome bonus
Airport lounge access - -
Travel insurance
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Advanzia Bank S.A. Gebührenfrei Mastercard Gold if its checked rows above line up with how you spend most.
  • Choose the American Express Blue Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Advanzia Bank S.A. Gebührenfrei Mastercard Gold Full review American Express Blue Card

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