BMW Card from American Express
Amex card for drivers with 1% credit on fuel and Membership Rewards points for €44 a year.
Score: 5.8 / 10 · Adequate
Rating: 6.0 / 10 · No reviews yet
Best for: Drivers & fuel
Overview
The BMW Card from American Express is a charge card from American Express on the American Express network. Amex card for drivers with 1% credit on fuel and Membership Rewards points for €44 a year. The annual fee is €44. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: Drivers & fuel. Its strengths lie in collecting points or miles (worth approx. 0.4 %), 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: 5.8 / 10 · Adequate
| Costs (30 %) | 5.1 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.9 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 2.2 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- 1% credit on fuel and EV charging
- 1 Membership Rewards point per €
- €44 welcome credit
- Vehicle breakdown cover included
Costs & Fees
| Annual fee | €44 |
|---|---|
| Welcome bonus | +€44 |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
Cashback: 1% credit only on fuel and EV charging at participating stations (e.g. Aral, Esso, Shell, JET)
€44 welcome credit after €600 spend in the first 2 months (offer until 3 Nov 2026)
The annual fee is €44. Outside the euro area a 2 % foreign currency fee applies. A fee of 3 % (min. €5) + 2 % foreign currency fee applies to cash abroad. In Germany, cash withdrawals cost 3 % (min. €5). New customers receive a welcome bonus of €44. Billing: Monthly billing, full balance settled by direct debit.
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This card in our comparisons: Miles & Cashback Credit Cards · American Express Credit Cards: Comparison & Overview
Related guides: Credit card instalments: interest explained · Types of credit cards in Germany explained · Credit card fees and how to avoid them
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Frequently asked questions
- What does the BMW Card from American Express cost per year?
- The BMW Card from American Express costs €44 per year.
- Does the BMW Card from American Express charge foreign currency fees?
- Yes. Outside the euro area the BMW Card from American Express charges a 2 % foreign currency fee.
- Is the BMW Card from American Express a genuine credit card?
- The BMW Card from American Express is a charge card — transactions are collected and billed periodically.
- Does the BMW Card from American Express require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the BMW Card from American Express; a negative SCHUFA record can lead to rejection.
- How is money on the BMW Card from American Express protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.