Updated October 13, 2026 · DebitCue Editorial Team
BMW Card von American Express vs Erste Bank Austrian Miles & More Premiumcard
BMW Card von American Express
Erste Bank Austrian Miles & More Premiumcard
Higher score in this comparison
BMW Card von American Express vs Erste Bank Austrian Miles & More Premiumcard: the differences
| Compare | BMW Card von American ExpressReviewSee alternativesSee alternatives | Erste Bank Austrian Miles & More PremiumcardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Not confirmed | Miles |
| Rewards rate | Not confirmed | 1 mile per 2 EUR of card spend |
| Perks | Not confirmed | Redeem miles at the till with MilesPay anywhere Mastercard is accepted, 1 mile per 1 EUR of SEPA transfer volume, max 20,000 miles per billing cycle (2.5% transfer fee), Promotional 2.1% p.a. interest on the card credit balance until 30.11.2026, Credit card and Miles & More service card in one card, Repay the statement monthly, in instalments or in full by transfer |
Same on both: Card kind (Credit).
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Key differences
- Support channels: only Erste Bank Austrian Miles & More Premiumcard offers Email, Phone.
- Features: only BMW Card von American Express offers Travel.
- Features: only Erste Bank Austrian Miles & More Premiumcard offers Rewards.
Our verdict on each
BMW Card von American Express
For motorists balancing everyday card use with travel use, BMW Card von American Express connects routine payments with a travel theme. It suits people who want one card for town and travel movement while keeping acceptance across their routes in mind.
Erste Bank Austrian Miles & More Premiumcard
The Erste Bank Austrian Miles & More Premiumcard is a Mastercard credit card that earns airline miles, with an annual fee of €0 and a monthly fee of €5.50. It suits Miles & More members who pay the statement in full each month and put everyday spend on the card.
Score breakdown
| Area | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard |
|---|---|---|
| Cost | 9.6Higher | 9.3Annual fee of €0 with a monthly fee of €5.50, against most credit cards at €0. |
| Offer | 8.2 | 9.2Higher |
| Trust | 9.9 | Not confirmed |
How they place
| Ranking | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard |
|---|---|---|
| Credit cards | 534 of 1020 | 124 of 1020 |
| Business debit cards | 133 of 201 | 32 of 201 |
| Travel cards | 313 of 443 | 97 of 443 |
| Business credit cards | 57 of 92 | 15 of 92 |
Every fact side by side
| Fact | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Travel | Rewards |
| Audience | Business | Business |
| Legal entity | American Express National Bank | Deutsche Bank AG |
| Headquarters | United States | Germany |
| Founded | 1850 | Not confirmed |
| Support channels | Help centre | Email, Phone, Help centreCovers more |
Debit cards
| Fact | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard |
|---|---|---|
| Monthly fee | $0 | €5.50 |
| Cashback rate | 1% to 2% | Not confirmed |
| Card network | Amex | Mastercard |
Where each stands against the rest
| Fact | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard | Median |
|---|---|---|---|
| Annual fee | Not confirmed | €0at the median | €0 |
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
Median across 312 listed cards.
Pros and cons
BMW Card von American Express
Pros
- Links everyday card payments with a clear travel theme
- Supports use at home and away through a familiar card network
Erste Bank Austrian Miles & More Premiumcard
Pros
- Annual fee of €0, ranking 1 of 301 brands on that measure.
- Earns 1 mile per 2 EUR of card spend in miles on card spend, and the same card carries the Miles & More service card.
- Miles can be redeemed at the till with MilesPay anywhere mastercard is accepted.
Cons
- A monthly fee of €5.50 applies, while the site median monthly fee is €0.
- The earn rate is 1 mile per 2 EUR of card spend, so a balance builds slowly against card spend.
- The reward is miles only, and just 2% of cards on the site pay that way, so there is no cashback route.
Who each suits
BMW Card von American Express
Who it suits
- Motorists who value travel linked card use
- People who keep town and travel spending on one card
Erste Bank Austrian Miles & More Premiumcard
Who it suits
- Miles & More members who want miles on everyday card spend and can pay the statement in full each month.
- People who often pay at the till and want to use miles directly at the checkout with MilesPay.
- Card users after a credit card with an annual fee of €0 on the mastercard network.
Who should look elsewhere
- Wise, which also charges an annual fee of £0, suits readers who want low day to day card costs instead of miles on every purchase.
- Varo Believe Secured Credit Card, a secured card with an annual fee of $0, fits a secured line rather than a monthly fee of €5.50.
- Chime Card (Secured Visa Credit Card), with an annual fee of $0, suits a secured Visa setup rather than a miles earn rate.
Current offers
Erste Bank Austrian Miles & More Premiumcard
Current offer
Bonus
Miles & More Gold Credit Card welcome bonus: 4,000 miles and 40 points
Application 01.07.-31.12.2026 and card issued; for customers without a Miles & More credit card from Deutsche Bank AG in the past 12 months; 12-month minimum term; not for applicants with frequent flyer status; miles and points clawed back on switch or cancellation within 12 months
Source, checked September 26, 2026
Bonus
Miles & More Blue Credit Card welcome bonus: 500 miles and 40 points
Application 01.07.-31.12.2026 and card issued; for customers without a Miles & More credit card from Deutsche Bank AG in the past 12 months; 12-month minimum term; miles and points clawed back on cancellation within 12 months
Source, checked September 26, 2026
Bonus
Fast Lane to Frequent Traveller status: 650 EUR or 80,000 miles
Gold Credit Card holders only, bookable by 30.09.; status valid until 28.02.2027; once per cardholder
Source, checked September 26, 2026
Country by country
| Country | BMW Card von American Express | Erste Bank Austrian Miles & More Premiumcard |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | No |
Questions about each
BMW Card von American Express
What type of card is BMW Card von American Express?+
It is a card with a travel theme for everyday payments and journeys. It runs on a familiar network for use at home and away. You can weigh how often you travel and where you pay before choosing.
How does the card work in plain terms?+
You use the card for purchases and settle activity through your statement later. The travel theme connects routine use with journeys. Check acceptance across your routes and how statements fit your habits.
Erste Bank Austrian Miles & More Premiumcard
What does this Miles & More card cost?+
The annual fee is €0 and the monthly fee is €5.50, which puts it at rank 1 of 301 brands ranked on annual fee. The site median annual fee is €0 and the median monthly fee is €0, so the monthly charge is the figure to watch.
How are miles earned on the card?+
Card spend earns 1 mile per 2 EUR of card spend and the reward type is miles. SEPA transfers build miles for a transfer fee, with a cap on miles per billing cycle, and a promotional interest rate applies to the card credit balance for a limited period.
Other options to compare
BMW Card von American Express
Erste Bank Austrian Miles & More Premiumcard