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.

American Express Blue Card

Name: American Express Blue Card
Brand: American Express
Availability: InStock
Rating: 6.8 (2040 reviews)

Free Amex with cashback and Membership Rewards — note the limited acceptance.

Score: 8.0 / 10 · Very good

Rating: 6.8 / 10 · 2.040 reviews

Best for: Amex benefits

American Express Blue Card – Kartenansicht

Overview

The American Express Blue Card is a charge card from American Express on the American Express network. Free Amex with cashback and 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?

The card is particularly suited to amex benefits. Its strengths lie in cashback (0.5 %), bonus seekers 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: 8.0 / 10 · Very good

Costs (30 %)	10.0 / 10
Foreign currency (18 %)	3.3 / 10
Cash worldwide (14 %)	10.0 / 10
Interest (10 %)	7.5 / 10
Cashback & bonus (10 %)	1.9 / 10
Features (6 %)	1.8 / 10
Community signal (12 %)	7.3 / 10

Our rating methodology

Highlights

€0 annual fee
Up to 0.5% cashback
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

There is no annual fee. Outside the euro area a 2 % foreign currency fee applies. Cash withdrawals are free of charge worldwide. New customers receive a welcome bonus of €25. Billing: Monthly billing, full balance settled by direct debit.

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This card in our comparisons: Free Credit Cards · Miles & Cashback Credit Cards · American Express Credit Cards: Comparison & Overview

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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.