What does the PAYBACK American Express Karte cost per year?

The PAYBACK American Express Karte has no annual fee on a permanent basis — there are no fixed yearly costs.

Does the PAYBACK American Express Karte charge foreign currency fees?

Yes. Outside the euro area the PAYBACK American Express Karte charges a 2 % foreign currency fee.

Is the PAYBACK American Express Karte a genuine credit card?

The PAYBACK American Express Karte is a charge card — transactions are collected and billed periodically.

Does the PAYBACK American Express Karte require a SCHUFA check?

Yes, American Express runs a SCHUFA credit check for the PAYBACK American Express Karte; a negative SCHUFA record can lead to rejection.

How is money on the PAYBACK American Express Karte protected?

Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.

PAYBACK American Express Card

Name: PAYBACK American Express Card
Brand: American Express
Availability: InStock

Collect points with no annual fee – ideal for PAYBACK fans.

Score: 7.1 / 10 · Good

Rating: 8.3 / 10 · No reviews yet

Best for: PAYBACK collectors

PAYBACK American Express Card – Kartenansicht

Overview

The PAYBACK American Express Karte is a charge card from American Express on the American Express network. Collect points with no annual fee – ideal for PAYBACK fans. 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 payback collectors. Its strengths lie in 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: 7.1 / 10 · Good

Costs (30 %)	10.0 / 10
Foreign currency (18 %)	3.3 / 10
Cash worldwide (14 %)	4.5 / 10
Interest (10 %)	7.5 / 10
Cashback & bonus (10 %)	0.0 / 10
Features (6 %)	1.8 / 10
Community signal (12 %)	6.9 / 10

Our rating methodology

Highlights

Permanently no annual fee
PAYBACK points on every purchase
Redeem points flexibly
Apple Pay / Google Pay

Costs & Fees

Annual fee	0 €
Welcome bonus	—
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. Billing: Monthly billing, full balance settled by direct debit.

Apply now

Redirect to provider · non-binding

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

Similar credit cards

Moss Credit Mastercard – Business credit card with spend control – Starter with no base fee.
Consors Credit Card Gold Light – Free credit card with the Consorsbank account and fee-free withdrawals worldwide.
American Express Business Green Card – The flexible entry-level business card for freelancers and entrepreneurs.
DKB Visa Credit Card – Genuine DKB credit card with a credit line for bookings and deposits.

Frequently asked questions

What does the PAYBACK American Express Karte cost per year?: The PAYBACK American Express Karte has no annual fee on a permanent basis — there are no fixed yearly costs.
Does the PAYBACK American Express Karte charge foreign currency fees?: Yes. Outside the euro area the PAYBACK American Express Karte charges a 2 % foreign currency fee.
Is the PAYBACK American Express Karte a genuine credit card?: The PAYBACK American Express Karte is a charge card — transactions are collected and billed periodically.
Does the PAYBACK American Express Karte require a SCHUFA check?: Yes, American Express runs a SCHUFA credit check for the PAYBACK American Express Karte; a negative SCHUFA record can lead to rejection.
How is money on the PAYBACK American Express Karte protected?: Not applicable – American Express charge cards carry no deposit account. No deposit guarantee applies.