Advanzia Bank S.A. Gebührenfrei Mastercard Gold
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Advanzia Bank S.A. Gebührenfrei Mastercard Gold
Advanzia Bank S.A. - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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Advanzia Bank S.A. Gebührenfrei Mastercard Gold vs PAYBACK American Express Karte
Compare Advanzia Bank S.A. Gebührenfrei Mastercard Gold and PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.
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PAYBACK American Express Karte
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PAYBACK American Express Karte
American Express Germany - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Advanzia Bank S.A. Gebührenfrei Mastercard Gold | 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; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3. |
| 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 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.
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