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, two of them. The PAYBACK American Express Card costs €0 permanently and earns 1 PAYBACK point per €3 spent. The Blue Card is also €0, but it only earns Membership Rewards points if you add the program for €30 a year. Neither 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 lounge access, hotel status and €650 in annual credits. For anyone who wants to earn points but doesn’t need lounges, the Gold Card (€20 a month, €240 a year) or the American Express Card (€60 a year, free from the second year if you spend €9,000) is the better fit. If you don’t want to pay anything, get the free PAYBACK American Express Card. Count last year’s airport visits to decide.
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 .