Credit card

PAYBACK American Express Karte

Points

AMEX

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Credit card American Express Germany American Express

Card review

PAYBACK American Express Karte

4.7 9.4/10 DebitCue Score Verified Jun 20, 2026

Kostenlose Kreditkarte mit doppeltem PAYBACK-Punktesammeln

Fee: No fee; Permanently free — no waiver needed
Purchase APR: Not published
Interest-free: 30 days
Foreign fee: 2%

Rewards

1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3.

Welcome offer

1,000 PAYBACK Extra points credited ~4 weeks after card issuance; plus €20 Amazon voucher (promotion valid into 2026)

Our verdict

What stands out, and where it falls short.

What we like

1 PAYBACK point per €3 spent everywhere; double points…
Welcome bonus
No card fee
Pay in installments

Worth weighing

2% foreign transaction fee

Who It Is For

Whether the PAYBACK American Express Karte fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: No fee
Purchase APR: Not published
Interest-free period: 30 days
Foreign transaction fee: 2%
Jahresgebühr: Kostenlos (dauerhaft)
Fremdwährungsgebühr: 2,0 % außerhalb Eurozone
Bargeldabhebung: 4,0 %, mindestens 5,00 €

Rewards and features

Rewards: 1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3.
Welcome offer: 1,000 PAYBACK Extra points credited ~4 weeks after card issuance; plus €20 Amazon voucher (promotion valid into 2026)
Installments: Splitpay optional installment loan via solarisBank
Pay with: Apple Pay, Google Pay, Contactless
Punkte-Konvertierung: 1:1 Umtausch in Lufthansa Miles & More Meilen
PAYBACK MAX Upgrade: Optional für 35 €/Jahr: 2 Punkte pro 3 € statt 1 Punkt

Benefits and perks

Extras that come bundled with the card.

Verlängertes Rückgaberecht

90-day return right beyond the retailer's own policy
Keine Gebühren innerhalb der Eurozone

No foreign transaction fee for euro-denominated purchases in the Eurozone

PAYBACK American Express Karte: your questions answered

Does the PAYBACK American Express Karte have a card fee?

No - the PAYBACK American Express Karte has no card fee.

What rewards does the PAYBACK American Express Karte earn?

The PAYBACK American Express Karte earns 1 PAYBACK point per €3 spent everywhere; double points (card + merchant points) at all PAYBACK partner stores. Points never expire with active programme participation. PAYBACK points convertible 1:1 to Lufthansa Miles & More miles. Optional PAYBACK MAX upgrade at €35/year doubles earning to 2 points per €3..

Does the PAYBACK American Express Karte charge foreign transaction fees?

Yes - the PAYBACK American Express Karte charges a 2% foreign transaction fee.

Is there an interest-free period on the PAYBACK American Express Karte?

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

Does the PAYBACK American Express Karte have a welcome offer?

Yes - 1,000 PAYBACK Extra points credited ~4 weeks after card issuance; plus €20 Amazon voucher (promotion valid into 2026).

Can I pay in installments with the PAYBACK American Express Karte?

Yes - Splitpay optional installment loan via solarisBank.

Is the PAYBACK American Express Karte a credit, debit or prepaid card?

The PAYBACK American Express Karte is a credit card issued by American Express Germany on the American Express network.

Does the PAYBACK American Express Karte support Apple Pay and Google Pay?

Yes - the PAYBACK American Express Karte works with both Apple Pay and Google Pay.

Where can I get the PAYBACK American Express Karte?

The PAYBACK American Express Karte is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the PAYBACK American Express Karte?

DebitCue rates the PAYBACK American Express Karte 4.7 out of 5 (9.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.