American Express American Express Gold Card — Germany
1 point / EUR 1 eligible spend
- Annual card + required rewards fees
- €240.00
- Reward currency
- Membership Rewards points
- Card type
- Not verified
- Mileage route
- Bank points
- Record checked
- 2026-10-14
- First-year card fee
- Not verified
How earning and transfers work
Enrolled Membership Rewards points transfer to the listed airline programmes. Each ratio, minimum and increment is partner-specific. Link an account in your own matching name; transfers are final.
| Program | Conversion | Minimum / increment | Timing / source |
|---|---|---|---|
| British Airways Club | 5 Membership Rewards points → 4 airline units | 1000 / 5 | Up to 1 working day Official terms |
| Cathay | 3 Membership Rewards points → 2 airline units | 900 / 300 | About 3 working days Official terms |
| Delta SkyMiles | 3 Membership Rewards points → 2 airline units | 3000 / 3 | About 5 working days Official terms |
| Emirates Skywards | 2 Membership Rewards points → 1 airline units | 1000 / 2 | Up to 1 working day Official terms |
| Flying Blue | 5 Membership Rewards points → 4 airline units | 625 / 5 | Up to 1 working day Official terms |
| Iberia Club | 5 Membership Rewards points → 4 airline units | 1000 / 500 | Up to 1 working day Official terms |
| Qatar Airways Privilege Club | 3 Membership Rewards points → 2 airline units | 900 / 3 | About 7 working days Official terms |
| SAS EuroBonus | 5 Membership Rewards points → 4 airline units | 1000 / 500 | About 5 working days Official terms |
| KrisFlyer | 3 Membership Rewards points → 2 airline units | 1500 / 3 | Up to 15 working days Official terms |
Eligibility and important conditions
Age over 18, main residence in Germany and a euro bank account in a SEPA country, subject to approval. Minimum income not published here.
EUR 20/month. Paid earning boosters, welcome offers and statement credits excluded.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- Not verified
- Minimum transfer
- See each partner in the transfer table.
- Transfer fee
- Not verified
- Transfer timing
- Partner-specific estimates in the table; account linking can add time.
Verification and sources
Indexed from official sources; confirm availability
German MR partner ratios, minimums, increments and estimated timing checked in this pass. Existing card fees and earning summaries retain their earlier research; detailed exclusions remain partial.
- www.americanexpress.com — official product or rules
- www.americanexpress.com — official product or rules
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.