BMW Premium Card Carbon von American Express
Points
BMW Premium Card Carbon von American Express
American Express Germany - American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
BMW Premium Card Carbon von American Express vs Erste Bank Smartcard Mastercard
Compare BMW Premium Card Carbon von American Express and Erste Bank Smartcard Mastercard side by side: fees, rewards, APR, and perks.
Last verified
Erste Bank Smartcard Mastercard
Cash back
Erste Bank Smartcard Mastercard
Erste Bank - Mastercard - Credit card
3.8
3.8 out of 5
7.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | BMW Premium Card Carbon von American Express | Erste Bank Smartcard Mastercard |
|---|---|---|
| Card fee | €500 EUR/yr (≈ $540) | €22.44 EUR/yr (≈ $24) |
| Purchase APR (from) | - | 5.19% |
| Interest-free period | 30 days | - |
| Foreign transaction fee | 2% | 1.5% |
| 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. | 0.30% cashback on purchases at participating online shops where card details are saved; maximum €8 per calendar year, credited in January |
| Installments | Splitpay optional installment loan via solarisBank | Split Now: divide purchases €50–€4,800 into up to 4 monthly instalments; first 3 per year free, then fee applies (€1–€12 per split depending on amount and number of instalments) |
| 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 Erste Bank Smartcard Mastercard 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.
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