PAYBACK American Express Karte
Points
PAYBACK American Express Karte
American Express Germany - American Express - Credit card
4.7
4.7 out of 5
9.4/10
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Head-to-head
PAYBACK American Express Karte vs Swedbank Mastercard Gold
Compare PAYBACK American Express Karte and Swedbank Mastercard Gold side by side: fees, rewards, APR, and perks.
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Swedbank Mastercard Gold
Cash back
Swedbank Mastercard Gold
Swedbank - Mastercard - Credit card
4.2
4.2 out of 5
8.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | PAYBACK American Express Karte | Swedbank Mastercard Gold |
|---|---|---|
| Card fee | No fee | 495 SEK/yr (≈ $47) |
| Purchase APR (from) | - | 12.93% |
| Interest-free period | 30 days | - |
| Foreign transaction fee | 2% | 1.65% |
| 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. | Earn 1 point per 1 SEK spent on all purchases. 25,000 points = 100 SEK statement credit (0.4 % effective cashback). Additional 15 öre/litre fuel discount at Preem staffed stations, credited on monthly invoice. |
| Installments | Splitpay optional installment loan via solarisBank | Revolving credit; minimum monthly payment 3 % of balance or 150 SEK. Full balance payment avoids interest. |
| 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 PAYBACK American Express Karte if its checked rows above line up with how you spend most.
- Choose the Swedbank Mastercard 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.
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