YOUR LIFE SETS THE STANDARD.
Compare annual fees, rewards and conditions. An expensive card only makes sense when you genuinely use its benefits.
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Language changes how you read. Country changes which card is available. Your selection does not confirm eligibility; the issuer makes that decision.
Use planned spending and a conservative value for benefits. This estimate is not a recommendation or a promise of savings. Changing cards resets point value, credits and lounge inputs.
These private-card examples are for residents of Germany and are priced in EUR. Eligibility, fees and benefits depend on your country. Changing the language does not change the offer’s market.
€720.00 / year
More room to enjoy travel.
Points per € spent
Estimated points or miles: 1 / €1.00
Conditional lounge access, travel and restaurant credits, and hotel privileges after registration.
Priority Pass registration is required. The 50 visits per calendar year include guests and are shared by the main and additional card. Credits and insurance have conditions.
Conditions Visit providerOfficial source · Checked on
€138.00 / year
Everyday spending. Your next destination.
Points per € spent
Estimated points or miles: 1 / €2.00
Earn award miles directly, protect miles while the card is active, and access conditional travel insurance.
No automatic frequent-flyer status or ongoing lounge access. Insurance depends on its terms and, for some cover, payment with the card.
Conditions Visit providerOfficial source · Checked on
€66.00 / year
Focus on collecting miles.
Points per € spent
Estimated points or miles: 1 / €2.00
Direct award-mile earning and mileage protection with a lower annual fee than Gold.
No automatic airline status or ongoing lounge access. Award flights may require taxes, fees and surcharges.
Conditions Visit providerOfficial source · Checked on
€240.00 / year
Flexible points for everyday life.
Points per € spent
Estimated points or miles: 1 / €1.00
Membership Rewards, selected mobility credits and transfers to participating partners.
Complimentary lounge access is not a standard benefit. Credits have partner, time and sometimes spending conditions. Amex is not accepted everywhere.
Conditions Visit providerOfficial source · Checked on
€0.00 / year
Start with no annual fee.
Points per € spent
Estimated points or miles: 1 / €3.00
Collect PAYBACK points on eligible planned purchases, with optional transfer to Miles & More.
Fuel-station spending does not earn points. No premium lounge access. Other charges may apply; check acceptance and programme terms.
Conditions Visit providerOfficial source · Checked on
beVIP
Use the issuer’s official country pages to check local products, eligibility and conditions. Card approval, rewards and travel benefits are never guaranteed.
Checked on · DE · EUR
Illustration only. No welcome bonus, interest, foreign-exchange fees, cash fees or taxes are included. Rewards depend on eligible transactions and rounding. Credits have conditions; lounge access is limited. Points are not cash. Repay in full and on time.