American Express Gold Card
Points
American Express Gold Card
American Express Germany - American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
American Express Gold Card vs Millennium BCP Platinum Credit Card
Compare American Express Gold Card and Millennium BCP Platinum Credit Card side by side: fees, rewards, APR, and perks.
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Millennium BCP Platinum Credit Card
Points
Millennium BCP Platinum Credit Card
Millennium BCP - Visa - Credit card
4.0
4.0 out of 5
8.0/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | American Express Gold Card | Millennium BCP Platinum Credit Card |
|---|---|---|
| Card fee | €240 EUR/yr (≈ $260) | €83.2 EUR/yr (≈ $89) |
| Purchase APR (from) | - | 16.8% |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 2% | 3.85% |
| Rewards | 1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry. | Millennium Rewards: earn 1 point per €1 spent. Points redeemable for products and experiences from the Millennium catalogue. Points valid for 5 years. Excludes gambling, cash advances, and digital wallet top-ups. |
| Installments | Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.) | Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %). |
| 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 American Express Gold Card if its checked rows above line up with how you spend most.
- Choose the Millennium BCP Platinum Credit 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.
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