BMW Premium Card Carbon
Premium Amex for BMW drivers with lounge access, a comprehensive insurance package and double points around the car.
Score: 5.2 / 10 · Adequate
Rating: 5.3 / 10 · No reviews yet
Best for: BMW drivers & frequent travellers
Overview
The BMW Premium Card Carbon is a charge card from American Express on the American Express network. Premium Amex for BMW drivers with lounge access, a comprehensive insurance package and double points around the car. The annual fee is €500. A surcharge of 2 % applies to payments in foreign currency.
Who is it for?
Our take: BMW drivers & frequent travellers. Its strengths lie in collecting points or miles (worth approx. 0.4 %), included travel insurance 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: 5.2 / 10 · Adequate
| Costs (30 %) | 0.8 / 10 |
|---|---|
| Foreign currency (18 %) | 3.3 / 10 |
| Cash worldwide (14 %) | 2.5 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 4.3 / 10 |
| Features (6 %) | 8.2 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Priority Pass for main and one supplementary card
- Travel and vehicle insurance included
- Double points at BMW, Sixt and fuel stations
- Sixt ONE Platinum status
Costs & Fees
| Annual fee | €500 |
|---|---|
| Welcome bonus | 37,500 points |
| Eff. annual interest | — |
| Type | Charge card |
| Network | American Express |
| Issuer | American Express |
37,500 Membership Rewards points after €4,000 spend within 6 months (offer until 3 Nov 2026)
The annual fee is €500. 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). Billing: Monthly billing, full balance settled by direct debit.
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This card in our comparisons: Gold & Platinum Credit Cards · Miles & Cashback Credit Cards · Credit Cards With Insurance · American Express Credit Cards: Comparison & Overview
Related guides: Credit card security: fraud and liability · Credit card travel insurance: what's covered · Credit card instalments: interest explained
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Frequently asked questions
- What does the BMW Premium Card Carbon cost per year?
- The BMW Premium Card Carbon costs €500 per year.
- Does the BMW Premium Card Carbon charge foreign currency fees?
- Yes. Outside the euro area the BMW Premium Card Carbon charges a 2 % foreign currency fee.
- Is the BMW Premium Card Carbon a genuine credit card?
- The BMW Premium Card Carbon is a charge card — transactions are collected and billed periodically.
- Does the BMW Premium Card Carbon include travel insurance?
- Yes, the BMW Premium Card Carbon includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the BMW Premium Card Carbon require a SCHUFA check?
- Yes, American Express runs a SCHUFA credit check for the BMW Premium Card Carbon; a negative SCHUFA record can lead to rejection.
- How is money on the BMW Premium Card Carbon protected?
- Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.