BMW Premium Card Carbon von American Express vs dm PAYBACK American Express Karte: fees, rewards and APR compared - DebitCue Skip to content
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BMW Premium Card Carbon von American Express vs dm PAYBACK American Express Karte

Compare BMW Premium Card Carbon von American Express and dm PAYBACK American Express Karte side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

BMW Premium Card Carbon von American Express versus dm PAYBACK American Express Karte compared by attribute
Feature BMW Premium Card Carbon von American Express dm PAYBACK American Express Karte
Card fee €500 EUR/yr (≈ $540) No fee
Purchase APR (from) - -
Interest-free period 30 days 30 days
Foreign transaction fee 2% 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. 1 PAYBACK point per €3 spent everywhere; 2 PAYBACK points per €3 at dm stores. Double points at all PAYBACK partner merchants (card + merchant combined). Points transferable to Miles & More miles 1:1.
Installments Splitpay optional installment loan via solarisBank 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 BMW Premium Card Carbon von American Express if its checked rows above line up with how you spend most.
  • Choose the dm 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.
Full review BMW Premium Card Carbon von American Express Full review dm PAYBACK American Express Karte

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