All Family Credit Cards AMEX Payback Kreditkarte AMEX Payback Kreditkarte
Customer support
telephone
e-mail
Educational concept
No
Online Banking
Yes
Mobile payments
applepay logo googlepay logo
Cash withdrawal
Yes
Customizable cards
No
Costs first year
0,00 €
Cash withdrawal
4 %
Foreign currency fee
2 %
Subscriptions blocked
No
Parental control
No
App with separate interface for parents and children
No
Minimum age
18 Years
Credit check
Yes
Application only by legal guardians
Yes
Online application possible
Yes
Online contract conclusion
Yes
Postal application mandatory
No
Application in store mandatory
No
Bank account required
Yes
Cashback Programm
Yes

1 °P per €3 – double points at partner stores

Alternative

  • PSD Bank
    Costs per month
    Costs refer to the first month and may vary in the following month
    0,00 €
    Minimum age
    Children's credit cards are often only available with the consent of a legal guardian over 18 years of age.
    14 Years
    Card type
    Debit
    Card system
    Visa
    • €100 starting credit
    • Specialization based on the child's age
    • Payment with a smartphone possible
    to Provider all Details

    PAYBACK American Express Card – A Detailed Comparison!

    The PAYBACK American Express Card is designed for anyone who wants to reliably collect points without paying an annual fee. This article outlines the key details: earning rate, exceptions (e.g., gas stations), cash withdrawal and foreign currency fees, monthly full settlement with optional installment feature (“Splitpay”), acceptance, credit check, and credit limit.

    The goal: to see who truly benefits from the PAYBACK American Express Card – and where complementary alternatives make sense.

    Costs & Fees of the PAYBACK American Express Card

    ⇒ Annual fee: €0 permanently.

    ⇒ Supplementary cards are included

    ⇒ Payments in euros: free of charge.

    ⇒ Foreign currencies: 2% foreign transaction fee on the converted amount. Applies to USD, GBP, CHF, etc.

    ⇒ Cash withdrawals: 4% per withdrawal (min. €5) – mainly intended for payments, not cash. A weekly cash withdrawal limit of about €750 usually applies.

    ⇒     Contactless & online: Contactless payments, Apple Pay, and Google Pay supported; online purchases secured via 3-D Secure/SafeKey.

    Collecting Points: How the PAYBACK American Express Card Works

    Base rate: 1 PAYBACK point per €3 card spend – even outside the partner network. Exceptions include gas station payments and typical exclusions (fees, interest, etc.).

    At PAYBACK partners you earn regular partner points in addition to card points. Effect: double points – once with the PAYBACK American Express Card, once with the partner program. With the PAYBACK American Express Card, your points are protected from expiration – ideal for long-term redemption strategies.

    Redemption: Flexible – in the rewards shop or as discounts with many partners, including gift cards (e.g., Wunschgutschein, depending on availability).

    Everyday Usability: Acceptance, Abroad, Cash

    1. Acceptance in Germany: Good and continuously growing – especially with major chains, supermarkets, drugstores, fashion, travel, and online shops. Some smaller stores may not accept it; a Visa/Mastercard as backup is advisable.
    2. Abroad: Within the eurozone, payments are fee-free; outside the eurozone, a 2% fee applies. Frequent travelers paying in foreign currencies should combine this card with a travel card that has no foreign transaction fees.
    3. Cash: At 4%/min. €5 per withdrawal, it should only be used for emergencies. For regular withdrawals, a debit card is the better option.

    Pros & Cons of the PAYBACK American Express Card

    Pros

    • Permanently no annual fee – ideal as a secondary card for everyday use.
    • 1 point per €3 everywhere; double points at partners.
    • No point expiry – strategic collecting without time pressure.
    • Apple Pay & Google Pay, stable app ecosystem, 3-D Secure.
    • Monthly full settlement (clear overview) + optional installments via Splitpay.

    Cons

    • 2% on foreign currency transactions – not ideal for frequent travelers.
    • 4%/min. €5 cash withdrawal fee – not suited as a cash card.
    • Limited acceptance in smaller shops – backup Visa/Mastercard recommended.
    • No classic revolving credit – those wanting permanent partial payments need alternatives (or use Splitpay selectively).

    Credit Limit, Billing & Credit Check

    • Credit check & Schufa: A credit check is performed. No uniform limit; the credit line is assigned individually and may increase with usage.

    • Billing: Monthly full settlement via SEPA direct debit – transparent and without revolving interest on the card itself.

    • Optional Splitpay installments: Individual transactions can be financed separately in installments (installment loan via partner bank). This is not a classic partial payment feature of the PAYBACK American Express Card but adds flexibility – useful for larger expenses.

    Applying, Cancelling & Service

    Online application takes just a few minutes; required are personal details, IBAN, and income information. After approval, the card is sent by mail and can be activated in the app/wallet.

    Cancellation is also easy – in writing or via customer service. Open balances must be settled, and points redeemed/transferred in time.

    Who Benefits from the PAYBACK American Express Card?

    1. Everyday and online shoppers: Those who pay frequently by card and shop at PAYBACK partners benefit from the double points effect. Combined with eCoupons, the rewards increase significantly – without fixed costs.

    2. Budget-conscious users: Zero annual fee plus non-expiring points is rare. As a free secondary card, the PAYBACK American Express Card offers a balance between saving and a small everyday rewards boost.

    3. Occasional travelers: Solid for EU trips (wide acceptance with major brands, wallet integration). For frequent non-euro transactions, supplement or switch to a card with no foreign transaction fees.

    Conclusion: An Affordable Points Accelerator with Clear Rules

    The PAYBACK American Express Card is a permanently free way to collect points continuously – 1 point per €3 everywhere, double at partners, with no point expiry. The limits are clear: 2% foreign transaction fee, costly cash withdrawals, and some acceptance gaps. If you know these points and mainly use it for payments, it’s a strong everyday points booster.

    With a backup Visa/Mastercard and Splitpay for special cases, the PAYBACK American Express Card is a convincing addition to your wallet.

    Compare terms & alternatives to the PAYBACK American Express Card – and find the one that best fits your spending habits on Paylobby!


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