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

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Advanzia Bank S.A. Gebührenfrei Mastercard Gold vs dm PAYBACK American Express Karte

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

Last verified

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 dm PAYBACK American Express Karte compared by attribute
Feature Advanzia Bank S.A. Gebührenfrei Mastercard Gold dm PAYBACK American Express Karte
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 PAYBACK point per €3 spent everywhere; 2 PAYBACK points per €3 at dm stores. Double points at all PAYBACK partner merchants (card + merchant combined). Points transferable to Miles & More miles 1:1.
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
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 dm PAYBACK American Express Karte 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 dm PAYBACK American Express Karte

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards