About this deal
American Express is less about being your everyday plastic and more about what you get back for spending. The draw is the rewards culture: a welcome bonus for new cardholders, ongoing points you can collect, and the popular option to earn Payback points on your purchases. If you already collect Payback, an Amex can quietly turn normal spending into extra points on top.
Who it fits best
- People who pay their balance in full and want rewards on everyday spending
- Existing Payback collectors who want to stack points faster
- Anyone who values purchase protection and strong customer service
The honest caveat: acceptance is the weak spot. Amex is widely taken in larger shops, hotels and online, but plenty of smaller German retailers, bakeries and local businesses still do not accept it, so you will usually want a Visa or Mastercard as backup. Some cards also carry an annual fee, and a welcome bonus is only worthwhile if you can meet the minimum spend without buying things you did not need. Always check the current terms before you apply.
What you get
- Welcome bonus
- Rewards / Payback points
- Purchase protection
- Widely accepted
How to get this deal
- Click the button below to go to the official American Express website.
- Check the current terms and eligibility directly on the provider’s page.
- Complete the sign-up or order there — the offer is applied on the provider’s site.