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 PAYBACK American Express Karte
Compare American Express Gold Card and PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.
Last verified
PAYBACK American Express Karte
Points
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 | American Express Gold Card | PAYBACK American Express Karte |
|---|---|---|
| Card fee | €240 EUR/yr (≈ $260) | No fee |
| Purchase APR (from) | - | - |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 2% | 2% |
| Rewards | 1 Membership Rewards point per €1 spent. Points redeemable for airline transfers, hotel transfers, shopping, travel portal, and statement credits. No expiry. | 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 | Splitpay optional installment loan via solarisBank (nominal rate 11% p.a., effective ~11.57% p.a.) | 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 American Express Gold Card 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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