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BMW Premium Card Carbon von American Express

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Card review

BMW Premium Card Carbon von American Express

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

Premium-Karte für BMW-Fans mit Priority Pass und exklusivem Fahrzeugschutz

Fee: €500 EUR/yr (≈ $540); No standard waiver
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2%

Rewards

1 Membership Rewards point per €1 spent everywhere; 2 points per €1 at BMW/MINI dealerships, SIXT rental, and selected fuel stations. Points do not expire.

Welcome offer

€150 statement credit after €4,000 spend in first 6 months; alternatively 37,500 Membership Rewards points (promotion until 22 July 2026)

Our verdict

What stands out, and where it falls short.

What we like

1 Membership Rewards point per €1 spent everywhere; 2…
Welcome bonus
Airport lounge access
Travel insurance included
Pay in installments

Worth weighing

€500 EUR/yr (≈ $540) card fee
2% foreign transaction fee

Who It Is For

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

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €500 EUR/yr (≈ $540) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €500 EUR/yr (≈ $540)
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2%
Jahresgebühr: 500 € / Jahr
Fremdwährungsgebühr: 2,0 % außerhalb Eurozone
Bargeldabhebung: 4,0 %, mindestens 5,00 €

Rewards and features

Rewards: 1 Membership Rewards point per €1 spent everywhere; 2 points per €1 at BMW/MINI dealerships, SIXT rental, and selected fuel stations. Points do not expire.
Welcome offer: €150 statement credit after €4,000 spend in first 6 months; alternatively 37,500 Membership Rewards points (promotion until 22 July 2026)
Installments: Splitpay optional installment loan via solarisBank
Pay with: Apple Pay, Google Pay, Contactless
Doppelpunkte: 2 Membership Rewards Punkte pro € bei BMW/MINI, SIXT und ausgewählten Tankstellen

Benefits and perks

Extras that come bundled with the card.

Priority Pass (2 Mitgliedschaften inkl.)

Two complimentary Priority Pass memberships; access to 1,300+ airport lounges worldwide
Umfangreiches Reiseversicherungspaket

International health insurance, trip cancellation/interruption, baggage, and roadside assistance
Mietwagen-Vollkaskoschutz

Comprehensive rental car coverage included
Leasing-Rückgabeschutz (BMW/MINI)

Insurance covering damage costs on BMW/MINI lease return
Auto-Schlüssel-Versicherung (BMW/MINI)

Key loss insurance for BMW and MINI vehicles

Eligibility

What you need before you apply.

Zusatzkarten: Bis zu 4 kostenlose Zusatzkarten inklusive, je mit eigenem Priority Pass

BMW Premium Card Carbon von American Express: your questions answered

How much does the BMW Premium Card Carbon von American Express cost?

The BMW Premium Card Carbon von American Express costs €500 EUR/yr (≈ $540). No standard waiver.

What rewards does the BMW Premium Card Carbon von American Express earn?

The BMW Premium Card Carbon von American Express earns 1 Membership Rewards point per €1 spent everywhere; 2 points per €1 at BMW/MINI dealerships, SIXT rental, and selected fuel stations. Points do not expire..

Does the BMW Premium Card Carbon von American Express charge foreign transaction fees?

Yes - the BMW Premium Card Carbon von American Express charges a 2% foreign transaction fee.

Is there an interest-free period on the BMW Premium Card Carbon von American Express?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

Does the BMW Premium Card Carbon von American Express have a welcome offer?

Yes - €150 statement credit after €4,000 spend in first 6 months; alternatively 37,500 Membership Rewards points (promotion until 22 July 2026).

Can I pay in installments with the BMW Premium Card Carbon von American Express?

Yes - Splitpay optional installment loan via solarisBank.

Is the BMW Premium Card Carbon von American Express a credit, debit or prepaid card?

The BMW Premium Card Carbon von American Express is a credit card issued by American Express Germany on the American Express network.

Does the BMW Premium Card Carbon von American Express support Apple Pay and Google Pay?

Yes - the BMW Premium Card Carbon von American Express works with both Apple Pay and Google Pay.

Where can I get the BMW Premium Card Carbon von American Express?

The BMW Premium Card Carbon von American Express is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the BMW Premium Card Carbon von American Express?

DebitCue rates the BMW Premium Card Carbon von American Express 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.