Compare credit cards for points and miles
Start with the card’s ongoing cost and repayment model. A welcome offer is temporary; fees, interest risk and acceptance remain after the bonus is gone. For many people, keeping their current payment method is the right result.
Set every card to full monthly repayment where the issuer allows it. MyFlex and Eurowings Premium open with partial repayment settings; carrying a balance can cost far more than the miles are worth.
The comparison in one table
Fees and terms were checked against official issuer sources on 30 August 2026. They can change. “Issuer FX fee” excludes exchange-rate effects and any ATM-operator charge.
| Option | Regular price | Base earning on eligible spend | Issuer FX fee | Repayment and main trade-off |
|---|---|---|---|---|
| No new rewards card | €0 | None | — | No new fee, credit line or points system to manage |
| PAYBACK Amex | €0 | 1 PAYBACK point per €3; fuel excluded | 2% | Full monthly statement; Amex acceptance |
| PAYBACK Visa | €29/year | 1 PAYBACK point per €5 | 0% | Full monthly debit; low base earning but broad Visa use |
| Amex Green | €55/year with annual billing or €5/month; following year waived above €9,000 annual spend | 1 Membership Rewards point per €1 | 2% | Full monthly statement; flexible points without Gold/Platinum pricing |
| Amex Gold | €240/year | 1 Membership Rewards point per €1 | 2% | Full monthly statement; credits and insurance matter only if you use their terms |
| Amex Platinum | €720/year | 1 Membership Rewards point per €1 | 2% | Full monthly statement; high fee and segmented travel benefits |
| Miles & More MyFlex | €0 | 1 mile per €2 | 1.95% | Revolving card; minimum repayment is 10% or €50 unless you pay more manually |
| Miles & More Blue | €66/year | 1 mile per €2 | 1.95% | Full debit by default; protects Miles & More miles while the card is active |
| Miles & More Gold | €138/year | 1 mile per €2 | 1.95% | Full debit by default; adds travel insurance with conditions and deductibles |
| Eurowings Premium | €99/year | 1 mile per €2 | 0% | Partial repayment is preset; change it to full repayment to avoid interest |
One PAYBACK point, one Membership Rewards point and one airline mile are not equal. PAYBACK states a cash value of one cent per point. Membership Rewards and airline miles have no single cash value because transfer ratios, award availability and surcharges vary.
Shortlist by the job you need done
- You do not have a specific redemption: choose no new card yet. Start with the program overview.
- You want flexible transfer options: compare Amex Green, Gold and Platinum by net annual cost. Gold and Platinum credits are worth only what you would otherwise spend.
- You mainly need to prevent Miles & More expiry: compare the €66 Blue fee with the value of the miles at risk. Gold costs more because it adds insurance and travel benefits.
- You want no annual fee: PAYBACK Amex and MyFlex both cost €0, but they are different products. PAYBACK Amex is settled in full; MyFlex is revolving and does not protect miles from expiry.
- You spend often outside the euro area: issuer FX fees can erase ordinary earning. PAYBACK Visa and Eurowings Premium publish no issuer FX fee; check the exchange rate and other charges.
- You need a debit account rather than credit: Revolut is not a credit card. Its paid plans, excluded purchase categories and variable RevPoints transfer value need a separate calculation.
If one route already fits, check its live terms
Use the provider’s current application page to confirm eligibility and price. A referral link does not change the comparison above.
Gold for flexible points at a lower recurring cost
Choose Gold only when you can justify its €240 annual cost with benefits you would use anyway.
Check current Gold Card terms through our referral
Advertisement: personal referral link. We may receive referral points if your application is approved. The terms shown by American Express control.
Platinum for frequent travel and lounge use
Choose Platinum only when the €720 package works through repeated travel use, not a one-off perk.
Check current Platinum Card terms through our referral
Advertisement: personal referral link. We may receive referral points if your application is approved. The terms shown by American Express control.
Miles & More for a balance you need to protect
Compare Blue and Gold first; the regular fee and the insurance package are the difference that matters after any temporary offer ends.
Check current Miles & More Card terms through our referral
Advertisement: personal referral link. We may receive miles if your card is successfully issued. The issuer's current terms and displayed offer control.
Revolut for a debit account that already fits your use
Choose a Revolut plan for its banking and foreign-exchange features; treat RevPoints as a secondary benefit.
Check current Revolut account terms through our referral
Advertisement: personal referral link. We may receive a referral reward if you complete the provider's qualifying steps. The terms shown by Revolut control.
Compare costs before benefits
- Calculate the regular annual fee after the first year.
- Count only credits and insurance you would buy anyway, subject to their activation and payment rules.
- Check acceptance and foreign-use costs against your actual spending.
- Confirm the repayment setting, interest rate and cash-withdrawal terms.
- Compare one realistic redemption, including taxes and surcharges.
- Check a current offer last.
If you are still deciding how to earn at all, return to the earning-method guide before choosing a card.
Official sources
- American Express Germany personal cards
- Miles & More private-card comparison
- Miles & More price lists
- Eurowings Premium at easybank
- PAYBACK Amex and PAYBACK Visa
- Revolut plan comparison
The issuer’s current price list, insurance terms and application settings always control.