Quick Answer
Read the full guide: Best Amex Card in Germany 2026: Platinum, Gold or Free?
Is there a free American Express card in Germany?
Yes, three: the PAYBACK American Express Card, the dm PAYBACK American Express Card and the Blue Card all cost €0 a year permanently. The two PAYBACK cards earn 1 PAYBACK point per €3 spent, and the Blue Card only earns Membership Rewards points if you add the program for €30 a year. None of the three has lounge access or travel credits.
Which Amex card is best in Germany?
For frequent flyers, the Platinum Card (€60 a month, €720 a year) for over 1,550 lounges, hotel status and €650 in annual credits. For point collectors who don’t need lounges, the American Express Card (€60 a year, free from the second year if you spend €9,000) or, for anyone using SIXT and FREENOW, the Gold Card (€240 a year). If you don’t want to pay anything, get the free PAYBACK American Express Card. As of 13 September 2026.
How the successor holds up day to day is covered in the American Express Card review; the free alternatives are explained in the Amex Blue Card review and the Amex PAYBACK Card review. More quick answers on travel money live in our travel answers guide.