BBVA Aqua Más
No rewards
BBVA Aqua Más
BBVA - Visa - Credit card
3.9
3.9 out of 5
7.8/10
Apply now
Head-to-head
BBVA Aqua Más vs PAYBACK American Express Karte
Compare BBVA Aqua Más 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
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | BBVA Aqua Más | PAYBACK American Express Karte |
|---|---|---|
| Card fee | €43 EUR/yr (≈ $46) | No fee |
| Purchase APR (from) | 0% | - |
| Interest-free period | 30 days | 30 days |
| Foreign transaction fee | 3% | 2% |
| Rewards | - | 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 | 3 months 0% interest (yr 1 promo); 4-6 months: 4.3%-5% commission; 7-36 months: 21.6% TIN | 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 BBVA Aqua Más 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.