A lively discussion is ongoing among people in Germany regarding the best credit card for collecting airline points, with American Express Gold and Revolut Metal as the frontrunners. The debate has intensified due to rising travel needs in 2026.
Key Features of Each Card
American Express Gold costs €20 per month, allowing about 1 point for every €1 spent, or more using its Turbo feature. Meanwhile, Revolut Metal charges a lower monthly fee but provides approximately 1 RevPoint for every €2 spent, raising questions about its overall value.
Insights from Real Users
Comments from users reveal mixed experiences with both cards. One user emphasized, "Revolut doesn’t collect Lufthansa miles, which is a huge drawback for frequent travelers." Conversely, another shared, "Amex is a pain when it comes to acceptance compared to Revolut's Visa or Mastercard." These insights highlight the ongoing friction between acceptance issues and point accumulation potential.
Growing Concerns
New discussions have emerged regarding Amex's acceptance in Germany. Many users affirm that while it is generally accepted, small online shops occasionally do not take it. One user noted, "You can link it to your PayPal, which helps." This operational flexibility could be key for those considering Amex Gold.
Further, there is curiosity around Amex's lower-cost card option, which costs only €5 per month, allowing for 1 point for every €1 spent, sparking interest among travelers looking for cheaper alternatives.
Strategies for Maximizing Points
Users are sharing tips for enhancing the value of their cards. A recommendation popped up about leveraging referral programs with Amex Gold: "We refer family for the 50k sign-up bonus and often gain an extra 20-30k points annually." This highlights the importance of strategic card use to maximize benefits.
User Preferences
Acceptance Issues: Amex has variable acceptance across retailers, making Revolut a preferred choice for some.
Point Optimization: People are eager for tips on boosting points with Revolut Metal, yet find options limited.
Referral Impact: Perspectives on Amex Gold's referral program effects are mixed, with some noting it can make a significant difference.
Notable Takeaways
△ 1 point for every €1 spent with Amex Gold (when Turbo activated).
▽ 1 RevPoint for every €2 spent on Revolut Metal—less favorable for serious collectors.
※ "The premium option pays for itself if used wisely," a cardholder commented, reflecting a common sentiment.
The Future of Airline Rewards
As demand hikes, it's likely we'll see more competition between these credit card giants. If Amex's acceptance issues continue, users may transition to Revolut, even with its less appealing point earnings. Industry insiders predict 60% of newcomers might lean towards cards that balance costs with reward efficiency.
A Shift in Landscape
Just as mobile technology evolved, creating disruption, the credit card sector is on the verge of transformation aimed at meeting travelers' demands for superior rewards. Emerging innovations from various providers could redefine this space in the coming years.