BMW Card von American Express review: fees, rewards, APR and perks - 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.

American Express Germany Credit card
BMW Card von American Express
Points
AMEX
Apply for BMW Card von American Express

On American Express Germany's secure site

Compare similar cards
Credit card American Express Germany American Express

Card review

BMW Card von American Express

4.4 4.4 out of 5 8.8/10 DebitCue Score Verified

BMW-Kreditkarte mit 1 % Kraftstoff- und Lade-Cashback

Fee
€44 EUR/yr (≈ $47)
Annual fee waived when annual spend exceeds €4,000
Purchase APR
Not published
Interest-free
30 days
Foreign fee
2%
Rewards
1 Membership Rewards point per €1 spent. 1% cashback on fuel at partner stations (Aral, Shell, Esso, Total, Agip, JET, BFT, AVIA, Tamoil, OMV, Westfalen AG) and 1% on EV charging at partner stations (EnBW, Aral, Aldi Süd, EWE GO, Pfalzwerke). Cashback is unlimited.
Welcome offer
€44 statement credit after €600 spend within the first 2 months

Our verdict

What stands out, and where it falls short.

What we like

  • 1 Membership Rewards point per €1 spent. 1% cashback…
  • Welcome bonus
  • Travel insurance included
  • Pay in installments

Worth weighing

  • €44 EUR/yr (≈ $47) card fee
  • 2% foreign transaction fee

Who It Is For

Whether the BMW Card von American Express fits how you actually spend.

Pick it if you are

  • Frequent travelers
  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Light spenders who won't beat the €44 EUR/yr (≈ $47) fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in EUR.

Card fee
€44 EUR/yr (≈ $47)
Purchase APR
Not published
Interest-free period
30 days
Foreign transaction fee
2%
Jahresgebühr
44 € / Jahr (entfällt ab 4.000 € Jahresumsatz)
Fremdwährungsgebühr
2,0 % außerhalb Eurozone
Bargeldabhebung
4,0 %, mindestens 5,00 €

Rewards and features

Rewards
1 Membership Rewards point per €1 spent. 1% cashback on fuel at partner stations (Aral, Shell, Esso, Total, Agip, JET, BFT, AVIA, Tamoil, OMV, Westfalen AG) and 1% on EV charging at partner stations (EnBW, Aral, Aldi Süd, EWE GO, Pfalzwerke). Cashback is unlimited.
Welcome offer
€44 statement credit after €600 spend within the first 2 months
Installments
Splitpay optional installment loan via solarisBank
Pay with
Apple Pay, Google Pay, Contactless
Kraftstoff-/Lade-Cashback
1 % bei Partnertankstellen und Ladesäulen (unbegrenzt)
BMW/MINI Rent Rabatt
10 % Rabatt bei BMW Rent und MINI Rent

Benefits and perks

Extras that come bundled with the card.

  • Fahrzeug-Schutzbrief (Europa)
    Roadside assistance, towing, and breakdown support across Europe
  • Auslandsreise-Krankenversicherung
    International travel health insurance included
  • Verlängertes Rückgaberecht
    90-day purchase return protection (€30–€400 per transaction, €1,500/year)

BMW Card von American Express: your questions answered

How much does the BMW Card von American Express cost?
The BMW Card von American Express costs €44 EUR/yr (≈ $47). Annual fee waived when annual spend exceeds €4,000.
What rewards does the BMW Card von American Express earn?
The BMW Card von American Express earns 1 Membership Rewards point per €1 spent. 1% cashback on fuel at partner stations (Aral, Shell, Esso, Total, Agip, JET, BFT, AVIA, Tamoil, OMV, Westfalen AG) and 1% on EV charging at partner stations (EnBW, Aral, Aldi Süd, EWE GO, Pfalzwerke). Cashback is unlimited..
Does the BMW Card von American Express charge foreign transaction fees?
Yes - the BMW Card von American Express charges a 2% foreign transaction fee.
Is there an interest-free period on the BMW Card von American Express?
Yes - up to 30 days interest-free when you pay your balance in full by the due date.
Does the BMW Card von American Express have a welcome offer?
Yes - €44 statement credit after €600 spend within the first 2 months.
Can I pay in installments with the BMW Card von American Express?
Yes - Splitpay optional installment loan via solarisBank.
Is the BMW Card von American Express a credit, debit or prepaid card?
The BMW Card von American Express is a credit card issued by American Express Germany on the American Express network.
Does the BMW Card von American Express support Apple Pay and Google Pay?
Yes - the BMW Card von American Express works with both Apple Pay and Google Pay.
Where can I get the BMW Card von American Express?
The BMW Card von American Express is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.
How does DebitCue rate the BMW Card von American Express?
DebitCue rates the BMW Card von American Express 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

Before you decide

Alternatives to the BMW Card von American Express

Browse all cards
American Express Credit card
American Express® Green Card
Points
4.7 4.7 out of 5
Best for travel insurance
Credit card American Express

American Express® Green Card

9.4/10

Triple points on travel, transit, and dining at a mid-tier $150 annual fee.

Points No FX fee
Fee
$150 USD/yr
Interest
19.49% - 28.49%
Interest-free
-

Why we like it

  • 3x points on travel, transit, and restaurants worldwide; 1x…
  • Welcome bonus
  • No foreign transaction fees
  • Travel insurance included
Apply now On American Express's secure site View details
American Express Credit card
The Platinum Card® from American Express
Points
4.7 4.7 out of 5
Best for lounge access
Credit card American Express

The Platinum Card® from American Express

9.4/10

The definitive premium travel card with over $3,500 in annual credits and 1,550+ lounge access.

Points No FX fee
Fee
$895 USD/yr
Interest
19.49% - 28.49%
Interest-free
-

Why we like it

  • 5x points on flights booked directly with airlines or…
  • Welcome bonus
  • No foreign transaction fees
  • Airport lounge access
Apply now On American Express's secure site View details
U.S. Bank Credit card
U.S. Bank FlexPerks® Gold American Express® Card
Points
AMEX
4.7 4.7 out of 5
Best for rewards
Credit card U.S. Bank - American Express

U.S. Bank FlexPerks® Gold American Express® Card

9.4/10

Earn FlexPoints on dining and travel — with Amex-exclusive perks

Points Pay in installments No FX fee
Fee
$85 USD/yr
Interest
Not published
Interest-free
-

Why we like it

  • 5X FlexPoints on prepaid hotels and car rentals booked…
  • Welcome bonus
  • No foreign transaction fees
  • Pay in installments
Apply now On U.S. Bank's secure site View details
American Express Credit card
American Express® Gold Card
Points
4.6 4.6 out of 5
Best for travel insurance
Credit card American Express

American Express® Gold Card

9.2/10

The foodie's travel card — 4x at restaurants and supermarkets with over $400 in annual dining credits.

Points No FX fee
Fee
$325 USD/yr
Interest
19.49% - 28.49%
Interest-free
-

Why we like it

  • 4x points at restaurants worldwide and U.S. supermarkets (up…
  • Welcome bonus
  • No foreign transaction fees
  • Travel insurance included
Apply now On American Express's secure site View details