dm PAYBACK American Express Karte vs Nordea Gold: fees, rewards and APR compared - DebitCue Skip to content
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dm PAYBACK American Express Karte vs Nordea Gold

Compare dm PAYBACK American Express Karte and Nordea Gold 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.

dm PAYBACK American Express Karte versus Nordea Gold compared by attribute
Feature dm PAYBACK American Express Karte Nordea Gold
Card fee No fee €5.99 EUR/mo (≈ $6)
Purchase APR (from) - 22.1%
Interest-free period 30 days 30 days
Foreign transaction fee 2% 2.5%
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. 0.5% cashback on all credit purchases (from May 1, 2026). 1.0% cashback at restaurants, cafés, concerts, festivals, sporting events, museums and amusement parks (seasonal promotion). Maximum €150 cashback per calendar year. Cashback credited monthly to credit account. K-Plussa loyalty integration available.
Installments Splitpay optional installment loan via solarisBank Flexible instalment percentage 3–100%; two instalment-free months per year.
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 Nordea Gold 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 Nordea Gold

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