dm PAYBACK American Express Karte vs Millennium BCP TAP Gold Credit Card: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

dm PAYBACK American Express Karte vs Millennium BCP TAP Gold Credit Card

Compare dm PAYBACK American Express Karte and Millennium BCP TAP Gold Credit Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

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

dm PAYBACK American Express Karte versus Millennium BCP TAP Gold Credit Card compared by attribute
Feature dm PAYBACK American Express Karte Millennium BCP TAP Gold Credit Card
Card fee No fee €83.2 EUR/yr (≈ $89)
Purchase APR (from) - 17.9%
Interest-free period 30 days 30 days
Foreign transaction fee 2% 3.85%
Rewards 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. Earn 1.5 TAP Miles&Go miles per €1 spent. Maximum 15,000 miles per month. Miles do not expire with monthly card use; otherwise expire after 3 years. Excludes cash advances, digital wallet top-ups, gambling, government payments, and tolls.
Installments Splitpay optional installment loan via solarisBank Split purchases into 3, 6 or 9 monthly instalments via the app (TAN 10.0 % / 10.5 % / 11.0 %).
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 dm PAYBACK American Express Karte if its checked rows above line up with how you spend most.
  • Choose the Millennium BCP TAP Gold Credit Card 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 dm PAYBACK American Express Karte Full review Millennium BCP TAP Gold Credit Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards