[{"data":1,"prerenderedAt":672},["ShallowReactive",2],{"comparison-american-express":3},{"directusData":4,"page":647,"uri":670,"type":671},{"id":5,"slug":6,"title":7,"product_selection_title":8,"text":9,"date_updated":10,"factsheet":11,"disclaimer":16,"show_calculator":17,"show_filter":18,"show_layout_toggle":18,"default_parameters":19,"table_columns":20,"table_sort":19,"award_highlight":131,"tags":132,"user_created":139,"items":145},32,"american-express","Die besten American Express Kreditkarten","Deine American Express Auswahl","\u003Ch2>Die besten Amex-Karten 07\u002F2026\u003C\u002Fh2>\n\u003Cp>American Express® Karten stehen für Status und Luxus, geschätzt von Meilensammlern und Vielreisenden. Sie bieten exklusive Vorteile wie Flughafen-Lounges und erstklassigen Service. Allerdings sind sie mit hohen Jahresgebühren verbunden und erfordern oft hohe Ausgaben. In diesem Vergleich kannst du herausfinden, welche American Express Kreditkarte sich für dich lohnt.\u003C\u002Fp>","2026-07-01T09:09:00.929Z",[12],{"label":13,"value":14,"icon":15},"Vergleichs-Kriterien","20","laptop","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Anbieter\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cspan style=\"font-weight: 400;\">Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden.  Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",true,false,null,[21,29,32,36,40,47,53,57,60,64,68,71,75,78,82,86,89,92,95,98,102,107,111,114,119,124,127],{"label":22,"key":23,"type":24,"active":17,"options":25,"mobile_rank":28},"Kreditkarte","payment_card","image",[26,27],"transparent","full-width",-1,{"key":30,"label":31,"active":18,"type":30},"provider","Anbieter",{"key":33,"label":34,"type":35,"active":17},"label","Produkt","product",{"label":37,"key":38,"type":39,"active":17},"Angebot","url","cta",{"label":41,"key":42,"type":43,"active":17,"mobile_rank":44,"sortable":18,"sort_options":45},"Kartengebühr (pro Jahr)","card_fee","text",1,[46],"default_sort",{"label":48,"key":49,"type":50,"active":17,"options":51,"mobile_rank":52},"Membership Rewards Punkte","membership_rewards","check",[],2,{"label":54,"key":55,"type":56,"active":18},"Cashback","cashback_features","features",{"label":58,"type":56,"active":17,"key":59},"Treuepunkte\u002FMeilen","loyality_points_miles",{"label":61,"type":50,"active":17,"key":62,"description":63},"Verlängertes Rückgaberecht","extended_return_policy","\u003Cp>Der Versicherungsfall tritt ein, wenn du maximal 90 Tage nach dem Kauf die Ware zurückgeben möchtest, der Verkäufer dies aber nicht akzeptiert.\u003C\u002Fp>",{"label":65,"type":50,"active":17,"key":66,"description":67},"Schutz für Einkäufe","purchase_protection","\u003Cp>Schützt Einkäufe bis 90 Tage nach Kauf gegen Beschädigungen oder Diebstahl, auch „ShopGarant“ genannt.\u003C\u002Fp>",{"label":69,"type":50,"active":17,"sortable":18,"key":70},"Auslandsreise-Krankenversicherung","international_travel_health_insurance",{"label":72,"key":73,"type":50,"active":17,"description":74},"Verkehrsmittel-Unfallversicherung","public_transport_accident_insurance","\u003Cp>Leistet bei Unfällen in Flugzeugen, Schienenfahrzeugen, im Bus, Taxi oder auf dem Schiff.\u003C\u002Fp>",{"label":76,"type":50,"active":17,"key":77},"Reise-Unfallversicherung","travel_accident_insurance",{"label":79,"type":50,"active":17,"key":80,"description":81},"Reisekomfort-Versicherung","travel_comfort_insurance","\u003Cp>Leistet bei Flugverspätungen oder Gepäckverspätungen.\u003C\u002Fp>",{"label":83,"type":50,"key":84,"active":17,"description":85},"Reiserücktritts- & Reiseabbruch-Versicherung","trip_cancellation_interruption_insurance","\u003Cp>Erstattet Kosten für die Heimreise und die Wiederaufnahme der Reise, wenn eine Reise angebrochen oder unterbrochen werden musste.\u003C\u002Fp>",{"label":87,"type":50,"active":17,"key":88},"Reisegepäckversicherung","travel_luggage_insurance",{"label":90,"type":50,"active":17,"key":91},"Mietwagenversicherung","rental_car_insurance",{"label":93,"type":50,"active":17,"key":94},"Kfz-Schutzbrief","car_assistance_program",{"label":96,"type":43,"active":17,"key":97},"Weitere Versicherungen","additional_insurances",{"label":99,"key":100,"type":43,"active":17,"mobile_rank":101},"Anzahl Zusatzkarten","amount_extra_cards",4,{"label":103,"key":104,"type":43,"active":17,"description":105,"mobile_rank":106},"Kosten Geld abheben","withdrawal_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Die Konditionen für das Abheben von Bargeld beziehen sich auf die Kosten bei der Bank oder der Kreditkartengesellschaft. Möglich ist daher, dass zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte daher darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",3,{"label":108,"key":109,"type":43,"active":17,"description":110,"mobile_rank":19},"Fremdwährungsgebühr","payment_fees_foreign_currency","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Neben den Fremdwährungsgebühren können zusätzliche Kosten durch einen Aufschlag auf den echten Wechselkurs entstehen. Beim Wechselkurs wird häufig unterschieden, ob das Land zum Europäischen Wirtschaftsraum (EWR) gehört oder nicht (Nicht-EWR). Die Kreditkartengesellschaften erheben meist einen Aufschlag auf den echten Wechselkurs. Manche Banken erheben sogar zusätzlich zur Fremdwährungsgebühr einen Aufschlag auf den Wechselkurs der Kreditkartengesellschaft.\u003C\u002Fspan>\u003C\u002Fp>",{"label":112,"key":109,"type":43,"active":18,"description":113,"mobile_rank":19},"Kosten Kartenzahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bei Kartenzahlung in Fremdwährung können – wie beim Abheben einer fremden Währung – zusätzliche Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":115,"key":116,"type":24,"active":17,"options":117},"Mobiles Bezahlen","contactless_payment_services",[118],"disable-tooltip",{"label":120,"key":121,"type":122,"active":17,"description":123},"Kundenservice","customer_support","icons","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Kundenservice per Telefon oder Chat bezieht sich auf allgemeine Themen. Eine telefonische Sperrhotline fällt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",{"label":125,"key":126,"type":56,"active":17},"Vorteile","additional_perks",{"label":128,"key":129,"type":130,"active":17},"Weitere Vorteile","plv_link","link","0",[133,136],{"tag_label":134,"tag_link":135},"Privat","\u002Fvergleich\u002Famerican-express",{"tag_label":137,"tag_link":138},"Business","\u002Fvergleich\u002Famerican-express-business",{"first_name":140,"last_name":141,"avatar":142,"image":143},"Markus","Schmidt-Ott","a15246bd-2fc6-4fed-99ba-42dec52d1bee",{"id":142,"filename_download":144},"Markus Schmidt-Ott 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€ nach 6.000 € Kartenumsatz und 180 € nach zusätzlichen 4.000 € Kartenumsatz. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","1 Membership Reward Punkt pro 1€ Umsatz; 200€ Online-Reiseguthaben (jährlich); 200€ Sixt-Guthaben (jährlich); 150€ Restaurantguthaben (jährlich); 90€ Shoppingguthaben (jährlich)","160 € nach 6.000 € Kartenumsatz und 180 € nach zusätzlichen 4.000 € Kartenumsatz. Weitere Konditionen auf der Seite des Anbieters.","\u003Cp>Wechselkurs: American Express\u003C\u002Fp>","\u003Cp>zzgl. 2% Fremdwährungsgebühr\u003C\u002Fp>","\u003Cp>Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten möglich.\u003C\u002Fp>","\u003Cp>Voreingestellt (Lastschrifteinzugsermächtigung nötig)\u003C\u002Fp>","\u003Cp>Oder 60€\u002FMonat\u003C\u002Fp>","\u003Cul>\n\u003Cli>Karte kostet 60€\u002FMonat\u003C\u002Fli>\n\u003C\u002Ful>","1 Membership Reward Punkt\u002F1€ Umsatz","\u003Cp>1 Membership Reward für 1€ Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiserücktrittskosten-Versicherung im Krankheitsfall\u003C\u002Fli>\n\u003Cli>Auslandsreise-Krankenversicherung und Reiseunfallversicherung\u003C\u002Fli>\n\u003Cli>Reisekomfort-Versicherung für Flug- oder Gepäckverspätungen\u003C\u002Fli>\n\u003Cli>Mietwagen-Versicherung bei Schäden sowie europaweiter KFZ-Schutzbrief bei Pannen im In- und Ausland\u003C\u002Fli>\n\u003Cli>Privathaftpflicht- und Prozesskosten-Versicherung auf Reisen\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage Rückgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Pannenhilfe in Europa ab 50 km vom Wohnort und Kostenübernahme für Übernachtung\u002FWeiterreise\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>Vollkasko bis 75.000€\u003C\u002Fp>\n\u003Cp>Haftpflicht bis 750.000€ (1 Mio. USD in USA)\u003C\u002Fp>\n\u003Cp>200€ Selbstbehalt\u003C\u002Fp>","\u003Cp>Max. 3.000€\u002FReise\u003C\u002Fp>\n\u003Cp>750€\u002FGegenstand\u003C\u002Fp>\n\u003Cp>750€ für Geld\u002FDokumente\u003C\u002Fp>\n\u003Cp>10% Selbstbeteiligung (min. 100€)\u003C\u002Fp>","\u003Cp>Max. 6.000€\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100€)\u003C\u002Fp>","\u003Cp>Flugverspätung >4h: 200€\u003C\u002Fp>\n\u003Cp>Gepäckverspätung >4h: 400€, >48h: zusätzlich 400€\u003C\u002Fp>","\u003Cp>In Reise-Unfallversicherung enthalten\u003C\u002Fp>","\u003Cp>Invalidität: 75.000€ (anteilig nach Grad)\u003C\u002Fp>\n\u003Cp>Tod: 75.000€\u003C\u002Fp>\n\u003Cp>Tod (Kinder bis 16 Jahren): 15.000€\u003C\u002Fp>","\u003Cp>Unbegrenzt\u003C\u002Fp>\n\u003Cp>Selbstbehalt 10% (min. 100€, max. 500€)\u003C\u002Fp>\n\u003Cp>Für Reisen von max. 120 Tagen\u003C\u002Fp>\n\u003Cp>Max. Alter: 80 Jahre\u003C\u002Fp>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Beschädigung\u003C\u002Fp>\n\u003Cp>Max. 2.000€\u002FFall\u003C\u002Fp>\n\u003Cp>Max. 10.000€\u002FJahr\u003C\u002Fp>\n\u003Cp>50€ Selbstbehalt\u003C\u002Fp>","\u003Cp>Max. 400€\u002FArtikel\u003C\u002Fp>\n\u003Cp>Max. 1.500€\u002FJahr\u003C\u002Fp>\n\u003Cp>Mindestwarenwert 30€\u003C\u002Fp>","\u003Cp>Auslandsreise-Haftpflichtversicherung\u003Cbr>Ausbildungslückenjahr-Versicherung\u003C\u002Fp>","\u003Cp>Nur 1 Platinum Zusatzkarte. Die restlichen Karten sind American Express Cards und American Express Gold Cards.\u003C\u002Fp>",[177,179],{"feature":178,"neutral":17},"Max. 6.000€",{"feature":180,"neutral":17},"Selbstbehalt 10% (min. 100€)",[182],{"feature":183,"rating":17},"1 Membership Reward Punkt pro 1€ Umsatz",[185,187,189,191],{"feature":186,"neutral":18,"rating":17},"Zugang zu Flughafen Lounges (Priority Pass)",{"feature":188,"neutral":18,"rating":17},"Status-Upgrades bei Hotels\u002FAutovermietungen",{"feature":190,"neutral":18,"rating":17},"200€ Reiseguthaben\u002FJahr",{"feature":192,"rating":17},"Und viele weitere",[194,195],"tel","chat",[197,199,201,203],{"feature":198,"rating":17},"200€ Online-Reiseguthaben (jährlich)",{"feature":200,"rating":17},"200€ Sixt-Guthaben (jährlich)",{"feature":202,"rating":17},"150€ Restaurantguthaben (jährlich)",{"feature":204,"rating":17},"90€ Shoppingguthaben (jährlich)",[206,208,210],{"feature":207,"rating":17},"Sehr umfassende Versicherungen, Zusatzleistungen und 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Startguthaben bei mind. 2.000€ Kartenumsatz in den ersten 6 Monaten. Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten möglich."}\" data-sheets-userformat=\"{"2":6915,"3":{"1":0},"4":{"1":3,"3":2},"11":3,"12":0,"14":{"1":2,"2":0},"15":"Roboto, RobotoDraft, Helvetica, Arial, sans-serif"}\">Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. Dies ist erst nach 6 Monaten möglich.\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"Voreingestellt (Lastschrifteinzugsermächtigung nötig)"}\" data-sheets-userformat=\"{"2":513,"3":{"1":0},"12":0}\">Voreingestellt (Lastschrifteinzugsermächtigung nötig)\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\" data-sheets-value=\"{"1":2,"2":"bei monatlicher Zahlung 5€ pro Monat; bei mind. 9.000€ Jahresumsatz mit der Karte wird im Folgejahr das komplette Jahresentgelt für die Karte erlassen"}\" data-sheets-userformat=\"{"2":11011,"3":{"1":0},"4":{"1":2,"2":16777215},"11":3,"12":0,"14":{"1":2,"2":2039583},"16":10}\">5€ p.M., kostenlos wenn Vorjahresumsatz > 9.000€\u003C\u002Fspan>\u003C\u002Fp>","\u003Cul>\n\u003Cli>Karte kostet 4,58€\u002FMonat\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>1 Membership Reward pro 1€ Umsatz\u003C\u002Fp>","\u003Cul>\n\u003Cli>Reiseversicherung bei Flug- oder Gepäckverspätung\u003C\u002Fli>\n\u003Cli>Verkehrsmittel-Unfallversicherung\u003C\u002Fli>\n\u003Cli>Shop Garant und 90 Tage Rückgaberecht\u003C\u002Fli>\n\u003C\u002Ful>","\u003Cp>Flugverspätung >4h: 125€, Gepäckverspätung >6h: 225€, >48h: 325€\u003C\u002Fp>","\u003Cdiv class=\"tippy-content\" data-state=\"visible\">\n\u003Cp>Tod: 112.500€, Invalidität: 112.500€, Vollinvalidität: 225.000€, Bergungskosten: 10.000€, Krankenhaustagegeld: 26€, Entführungsgeld (24-72 Stunden): 2.500€, Entführungsgeld (ab 72 Stunden): zusätzlich 5.000€, Tod (Kinder unter 14 Jahren): 5.000€\u003C\u002Fp>\n\u003C\u002Fdiv>","\u003Cp>90 Tage Schutz gegen Einbruch-Diebstahl und Beschädigung, max. 550€\u002FFall, max. 3.100€\u002FJahr, 50€ Selbstbehalt\u003C\u002Fp>","\u003Cp>Max. 300€\u002FArtikel\u003C\u002Fp>\n\u003Cp>Max. 1.200€\u002FJahr\u003C\u002Fp>\n\u003Cp>Mindestwarenwert 30€\u003C\u002Fp>",[442],{"feature":282,"rating":17},[444],{"feature":445,"rating":17},"Mit Amex Offers von Nachlässen und 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Weitere Konditionen auf der Seite des Anbieters.\u003C\u002Fp>","1% Cashback auf Tankstellenumsätze; 1 Membership Reward Punkt pro 1€ Umsatz; Zugang zur BMW-Vorteilswelt","600€ Umsatz (unter Ausschluss von Bargeldauszahlungen und nach Abzug von etwaigen Gutschriften von Vertragspartnern) erforderlich. Im Fall einer Kartenkündigung oder eines Kartenwechsels innerhalb der ersten 12 Monate nach Ausstellung der Karte erlischt der Anspruch auf das Startguthaben rückwirkend. ","\u003Cp>zzgl. 2% Fremdwährungsgebühr.\u003C\u002Fp>\n\u003Cp>Um Bargeld abheben zu können, muss der Bargeld-Service freigeschaltet werden. 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30€\u002FJahr\u003C\u002Fp>","\u003Cp>25€ Startguthaben bei min. 1.200€ Kartenumsatz in den ersten 6 Monaten. 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