Free American Express Credit Card

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❗️CURRENT PROMOTION: American Express and Payback currently have a pretty good deal for new American Express customers: If you order a Payback American Express card and pay with it at least once, you will receive a bonus of 2.000 Payback points worth 20€. Read more here ❗️


The Payback American is a good choice, if you like to earn Payback loyalty points with every purchase you make worldwide (except at gas stations), online purchases included. You will receive the normal points for all Payback partner shops, and for all other shops you will earn 1 point for every 2 Euro. There is no catch: The credit card has no yearly or monthly fee and can be cancelled any time.

There are only some additional perks, like:

  • an extended return policy of 90 days for any purchases from 30€ up to 300€
  • travel insurances, which cover shipping of urgent prescriptions, medicine, eye glasses or contact lenses (if lost or destroyed while travelling) from your home address to your respective address abroad
  • free global information services and support in case of health issues

Find out more about this offer at My German Finances – our partner website, which explains everything about German bank accounts, credit cards, German insurances and much more.

Find out more

American Express credit card

Alternatively, have a look at the N26 Mastercard. It is also completely free and supports Google Pay in Germany. It will also be among the few banks in Germany that will support Apple Pay once it is launched in Germany in late 2018. N26 is the first German digital bank, which offers all its services through an app and through their website. A great advantage for foreigners: The app and online banking are available in English as well!

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