Which credit card fits you?
6 questions, 2 minutes - your personal card combination with affiliate bonus.
Frequently Asked Questions
Can I hold several AMEX cards at the same time?
Yes! You can hold all AMEX cards at the same time. AMEX MR cards (Gold, Platinum) earn into a shared MR pool. PAYBACK cards earn PAYBACK points separately. The optimal combination depends on your profile.
Do I need a registered business for business cards?
No, no registered business required. Self-employed people, freelancers and contractors can apply for business cards. Even a part-time self-employment is enough. The AMEX Business Gold (€175) is often cheaper than the Gold Privat (€240).
Can AMEX points be transferred to Miles & More?
No, AMEX MR and Miles & More are completely separate systems. AMEX MR are transferred to partners such as British Airways, Flying Blue or Singapore Airlines. For M&M miles you need a separate M&M credit card.
How high is the spending requirement for the welcome bonus?
AMEX Gold: €5,000 in 6 months. Business Gold: €10,000 in 6 months. Platinum Privat: €10,000 in 6 months. Platinum Business: €15,000 in 6 months. PAYBACK AMEX and DM PAYBACK AMEX have no spending requirement.
What is the best credit card for collecting miles?
There is no single best card - the optimal strategy is a combination of AMEX + PAYBACK + Miles & More. The Card Finder shows you your personal recommendation based on your profile.
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Which cards you need, how to combine them and how to collect over 500,000 points in the first year - in the Premium Handbook.
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