American Express Blue Card
Free Amex with Amex Offers and optional Membership Rewards — note the limited acceptance.
Score: 7.0 / 10 · Fair
Rating: 6.8 / 10 · 2.040 reviews
Best for: Entry-level Amex with Amex Offers
Overview
The American Express Blue Card is a charge card from American Express on the American Express network. Free Amex with Amex Offers and optional Membership Rewards — note the limited acceptance. It comes with no annual fee on a permanent basis. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Entry-level Amex with Amex Offers. Its strengths lie in the welcome bonus and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. Transactions are collected and billed periodically.
How the score is calculated
Overall score: 7.0 / 10 · Fair
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.7 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 7.3 / 10 |
Highlights
- Permanently €0 annual fee
- Amex Offers: partner discounts
- Membership Rewards program
- Full cost control with monthly billing
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | +€25 |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
Up to €25 welcome credit from €1,200 spend within 6 months
There is no annual fee. Outside the euro area a 2 % foreign currency fee applies. A fee of 4 % (min. €5) + 2 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 4 % (min. €5). New customers receive a welcome bonus of €25. Billing: Monthly billing, full balance settled by direct debit.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · American Express Credit Cards: Comparison & Overview
Related guides: Virtual credit cards, Apple Pay & Google Pay · How to pay money into a credit card · Foreign fee study 2026: what credit cards cost abroad
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Frequently asked questions
- What does the American Express Blue Card cost per year?
- The American Express Blue Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the American Express Blue Card charge foreign currency fees?
- Yes. Outside the euro area the American Express Blue Card charges a 2 % foreign currency fee.
- Is the American Express Blue Card a genuine credit card?
- The American Express Blue Card is a charge card — transactions are collected and billed periodically.
- Does the American Express Blue Card require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the American Express Blue Card; a negative SCHUFA record can lead to rejection.
- How is money on the American Express Blue Card protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.