Updated October 13, 2026 · DebitCue Editorial Team
BMW Card von American Express vs Vivid Plus
BMW Card von American Express
Higher score in this comparison
Vivid Plus
BMW Card von American Express vs Vivid Plus: the differences
| Compare | BMW Card von American ExpressReviewSee alternativesSee alternatives | Vivid PlusReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | 0.1%-0.35% base, up to 10% on select categories |
| Perks | Not confirmed | Multiple IBANs, Free SEPA transfers, Up to €1,000 free ATM withdrawals globally (Vivid Prime), Metal physical card, Virtual card, Up to 15 Pockets sub accounts |
| Cashback rate | Not confirmed | 0.1% to 10% |
| Card kind | Credit | Not confirmed |
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Key differences
- Founded is lower at BMW Card von American Express: 1850 vs 2019.
- Vivid Plus is available in 29 more countries.
- Support channels: only Vivid Plus offers Chat, Phone.
- Features: only BMW Card von American Express offers Travel.
- Features: only Vivid Plus 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.
Vivid Plus
For finance leads who control active team spending, Vivid Plus provides business accounts with cards, budgets and approvals in one shared platform. It combines daily expense control with cash management tools and accounting connections for companies that manage substantial real balances.
Score breakdown
| Area | BMW Card von American Express | Vivid Plus |
|---|---|---|
| Cost | 9.6Higher | 9.2 |
| Offer | 8.2 | 9.6Higher |
| Trust | 9.9Higher | 8.2 |
How they place
| Ranking | BMW Card von American Express | Vivid Plus |
|---|---|---|
| Credit cards | 534 of 1020 | 995 of 1020 |
| Business credit cards | 57 of 92 | 88 of 92 |
Every fact side by side
| Fact | BMW Card von American Express | Vivid Plus |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Travel | Rewards |
| Audience | Business | Business |
| Legal entity | American Express National Bank | Vivid Money B.V. |
| Headquarters | United States | Netherlands |
| Founded | 1850Lower | 2019 |
| Support channels | Help centre | Help centre, Chat, PhoneCovers more |
Debit cards
| Fact | BMW Card von American Express | Vivid Plus |
|---|---|---|
| Monthly fee | $0 | €0 |
| Cashback rate | 1% to 2% | Not confirmed |
| Card network | Amex | Not confirmed |
Where each stands against the rest
| Fact | BMW Card von American Express | Vivid Plus | Median |
|---|---|---|---|
| Annual fee | Not confirmed | €0at the median | €0 |
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
| Cashback rate | Not confirmed | 0.1% to 10%highest quarter | 1.5 |
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
Vivid Plus
Pros
- Issues cards for people or company with tailored merchant rules
- Runs several live budgets from one IBAN without transfers
- Matches app scanned receipts to payments for accountants
Cons
- Focuses on team spending structures rather than basic individual card use
- Centres spending control and approvals in app based management
- Combines investing tools with daily accounts which adds complexity
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
Vivid Plus
Who it suits
- Finance teams controlling shared company spending
- Growing companies with frequent employee purchases
- Businesses coordinating budgets, invoices and accounting
Who should look elsewhere
- Individuals seeking a personal spending card
- Cash only operations without digital workflows
Country by country
| Country | BMW Card von American Express | Vivid Plus |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 30 countries where either is available.
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.
Vivid Plus
What does Vivid Plus offer for businesses?+
Vivid provides business accounts with expense tools and cash management in one platform. It includes cards, budgets and approvals for teams that spend, plus invoicing and accounting connections.
Who can use the business accounts?+
Vivid serves companies with a team that spends and balances to manage. It assigns cards to a person or to the company and defines budgets, merchant rules and approvals before spending happens.
Other options to compare
BMW Card von American Express
Vivid Plus