PayperWIZ

American Express Gold Card cashback rate, cap and annual fee

American Express Gold Card pays 0.33% on everything, as a base rate. The card costs EUR 240 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

American Express · Germany · catalogue v117

Read from American Express's own published terms on 30 Oct 2026.

EUR 240Annual fee
0.33%Best rate

What it pays, by category

SpendingRateMonthly cap
everything else0.33%—1 Membership Rewards point per EUR 1 ('1 Euro = 1 Bonuspunkt'), about 0.33% at the PAYBACK transfer value.
A charge card ('Kreditkarte mit Bezahlfunktion und monatlicher Abrechnung'), settled in full each month. EUR 20 a month, EUR 240 a year; Membership Rewards Classic is included. 1 point per EUR 1, no cap, no points on fees, interest, cash, prepaid top-ups or foreign currency purchases. Amex Germany prints no public Pay with Points rate (the rate shows only after login), so the point is valued at its one public cash route: '3 Membership Rewards Punkte = 1 PAYBACK Punkt' (minimum 900), and PAYBACK's terms say 'Ein PAYBACK Punkt hat einen Gegenwert von 1 Cent', so EUR 0.00333 a point, about 0.33%. That is a floor: flights and partner transfers can be worth more. Annual credits (SIXT, FREENOW, LODENFREY, restaurants, travel) are not modelled. Foreign currency 2%. Fixed: the entry was filed as Visa. Source: americanexpress.com/de-de card page and Card Informationen (Preis- und Leistungsverzeichnis, Membership Rewards Teilnahmebedingungen), the Membership Rewards PAYBACK Punktetransfer page, and the PAYBACK Teilnahmebedingungen, read 30 Oct 2026.

Questions people ask

What cashback does the American Express Gold Card pay?

0.33% on everything, as a base rate.

Is there a cap on the American Express Gold Card?

No monthly cap is published on the rates shown here.

What is the annual fee on the American Express Gold Card?

EUR 240 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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