{"id":13406,"date":"2025-11-29T16:04:24","date_gmt":"2025-11-29T16:04:24","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=13406"},"modified":"2025-12-25T01:43:56","modified_gmt":"2025-12-25T01:43:56","slug":"germany-funnel-card1-amex","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/nl\/financas\/alemanha-cartao-funil1-amex\/","title":{"rendered":"AmEx Payback Card in Duitsland: Voordelen, Voorwaarden en Voordelen"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"13406\" class=\"elementor elementor-13406\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1368484 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"1368484\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f9ddc22 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f9ddc22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1097d6a elementor-widget elementor-widget-html\" data-id=\"1097d6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Advertenties<\/div>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e02f15 elementor-widget elementor-widget-text-editor\" data-id=\"1e02f15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Als je in Duitsland woont of naar het land verhuist en je bent op zoek naar een creditcard met een actief beloningsprogramma, goede internationale acceptatie en <strong data-start=\"352\" data-end=\"374\">geen jaarlijkse kosten<\/strong>, o <strong data-start=\"378\" data-end=\"413\">American Express Payback-kaart<\/strong> kan een uitstekende optie zijn voor je dagelijkse leven.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f18c1ae e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"f18c1ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ca27a8e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"ca27a8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-676162d elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"676162d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/nl\/financien\/duitsland-funnel1-kaart-hoe-amex-aanvragen\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"387\" height=\"240\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1.webp\" class=\"attachment-full size-full wp-image-13405\" alt=\"Amex-kaart\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1.webp 387w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1-300x186.webp 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1-18x12.webp 18w\" sizes=\"(max-width: 387px) 100vw, 387px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b72a4b3 elementor-widget elementor-widget-text-editor\" data-id=\"b72a4b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"471\" data-end=\"511\"><strong data-start=\"474\" data-end=\"509\">American Express Payback-kaart<\/strong><\/p><p data-start=\"512\" data-end=\"590\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e824ab7 elementor-widget elementor-widget-text-editor\" data-id=\"e824ab7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Geen jaarlijkse kosten<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d049dfc elementor-widget elementor-widget-button\" data-id=\"d049dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/nl\/financien\/duitsland-funnel1-kaart-hoe-amex-aanvragen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VERZOEK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-825285a elementor-widget elementor-widget-text-editor\" data-id=\"825285a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(U wordt doorgestuurd naar een andere pagina)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91e779b elementor-widget elementor-widget-text-editor\" data-id=\"91e779b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"597\" data-end=\"850\">In dit artikel lees je meer over de belangrijkste voordelen, criteria om in aanmerking te komen, functionaliteiten en tarieven van de <strong data-start=\"712\" data-end=\"735\">AmEx Payback-kaart<\/strong> - een van de populairste opties onder consumenten in Duitsland die punten willen sparen voor dagelijkse aankopen.<\/p><p data-start=\"852\" data-end=\"1125\">Uitgegeven door American Express in samenwerking met het loyaliteitsprogramma <strong data-start=\"923\" data-end=\"934\">Terugverdientijd<\/strong>, De kaart combineert alle voordelen van een internationale creditcard met de mogelijkheid om punten te verzamelen in verschillende instellingen en deze in te wisselen voor producten, vouchers of cashback.<\/p><p data-start=\"1127\" data-end=\"1256\">Het is ideaal voor wie vaak winkelt bij ketens zoals <strong data-start=\"1182\" data-end=\"1207\">REWE, dm, Penny, Aral<\/strong>, onder andere deelnemers aan het Payback-programma.<\/p><hr data-start=\"1258\" data-end=\"1261\" \/><h1 data-start=\"1263\" data-end=\"1314\"><strong data-start=\"1265\" data-end=\"1314\">Belangrijkste voordelen van de AmEx Payback Card<\/strong><\/h1><h3 data-start=\"1316\" data-end=\"1351\"><strong data-start=\"1320\" data-end=\"1349\">Geen lijfrente<\/strong><\/h3><p data-start=\"1352\" data-end=\"1411\">Er zijn geen jaarlijkse of onderhoudskosten - nooit.<\/p><h3 data-start=\"1413\" data-end=\"1451\"><strong data-start=\"1417\" data-end=\"1449\">\ud83c\udf81 Accumulatie van terugverdienpunten<\/strong><\/h3><p data-start=\"1452\" data-end=\"1560\">Verdien punten voor elke euro die je uitgeeft bij elke aankoop met de kaart.<br data-start=\"1515\" data-end=\"1518\" \/>Ontvang extra punten van Payback-partners.<\/p><h3 data-start=\"1562\" data-end=\"1614\"><strong data-start=\"1566\" data-end=\"1612\">Internationale kaart - American Express<\/strong><\/h3><p data-start=\"1615\" data-end=\"1707\">Wereldwijd geaccepteerd in miljoenen AmEx-bedrijven, waaronder online winkels.<\/p><h3 data-start=\"1709\" data-end=\"1741\"><strong data-start=\"1713\" data-end=\"1739\">Beheer 100% Digitaal<\/strong><\/h3><p data-start=\"1742\" data-end=\"1894\">Houd uitgaven bij, bekijk facturen, blokkeer\/deblokkeer je kaart, vraag extra kaarten aan en nog veel meer via de American Express app of website.<\/p><h3 data-start=\"1896\" data-end=\"1938\"><strong data-start=\"1900\" data-end=\"1936\">Geavanceerde beveiliging en controle<\/strong><\/h3><ul data-start=\"1939\" data-end=\"2053\"><li data-start=\"1939\" data-end=\"1968\"><p data-start=\"1941\" data-end=\"1968\">Directe meldingen<\/p><\/li><li data-start=\"1969\" data-end=\"2000\"><p data-start=\"1971\" data-end=\"2000\">Verificatie in twee stappen<\/p><\/li><li data-start=\"2001\" data-end=\"2022\"><p data-start=\"2003\" data-end=\"2022\">Onmiddellijke blokkering<\/p><\/li><li data-start=\"2023\" data-end=\"2053\"><p data-start=\"2025\" data-end=\"2053\">24-uurs fraudebestrijding<\/p><\/li><\/ul><h3 data-start=\"2055\" data-end=\"2090\"><strong data-start=\"2059\" data-end=\"2088\">Betaling na 30 dagen<\/strong><\/h3><p data-start=\"2091\" data-end=\"2174\">Alle aankopen worden maandelijks gefactureerd, met een betalingstermijn van 30 dagen.<\/p><h3 data-start=\"2176\" data-end=\"2226\"><strong data-start=\"2180\" data-end=\"2224\">Compatibel met Apple Pay en Google Pay<\/strong><\/h3><p data-start=\"2227\" data-end=\"2297\">Voeg de kaart toe aan je smartphone en betaal veilig door te swipen.<\/p><h3 data-start=\"2299\" data-end=\"2340\"><strong data-start=\"2303\" data-end=\"2338\">Gratis extra kaarten<\/strong><\/h3><p data-start=\"2341\" data-end=\"2440\">Je kunt extra kaarten aanvragen voor gezinsleden en ze verzamelen allemaal punten op dezelfde Payback-account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d280ef e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"2d280ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff2c345 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"ff2c345\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/jornal365.com.br\/nl\/financien\/duitsland-funnel1-kaart-hoe-amex-aanvragen\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"387\" height=\"240\" src=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1.webp\" class=\"attachment-full size-full wp-image-13405\" alt=\"Amex-kaart\" srcset=\"https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1.webp 387w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1-300x186.webp 300w, https:\/\/jornal365.com.br\/wp-content\/uploads\/2025\/11\/OIP-387x240-1-18x12.webp 18w\" sizes=\"(max-width: 387px) 100vw, 387px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e06bc9 elementor-widget elementor-widget-text-editor\" data-id=\"9e06bc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"471\" data-end=\"511\"><strong data-start=\"474\" data-end=\"509\">American Express Payback-kaart<\/strong><\/p><p data-start=\"512\" data-end=\"590\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32bdc2a elementor-widget elementor-widget-text-editor\" data-id=\"32bdc2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Geen jaarlijkse kosten<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f581e6 elementor-widget elementor-widget-button\" data-id=\"9f581e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/nl\/financien\/duitsland-funnel1-kaart-hoe-amex-aanvragen\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VERZOEK<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db03684 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"db03684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3dfcaad e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"3dfcaad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf311a6 elementor-widget elementor-widget-text-editor\" data-id=\"bf311a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6 style=\"text-align: center;\" data-start=\"513\" data-end=\"591\">(U wordt doorgestuurd naar een andere pagina)<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef7b01c elementor-widget elementor-widget-text-editor\" data-id=\"ef7b01c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"2573\" data-end=\"2621\"><strong data-start=\"2575\" data-end=\"2621\">AmEx Payback Card - Tarieven en voorwaarden<\/strong><\/h1><div class=\"_tableContainer_1rjym_1\"><div class=\"group _tableWrapper_1rjym_13 flex w-fit flex-col-reverse\" tabindex=\"-1\">\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbe6e0d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"fbe6e0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8ac864 elementor-widget elementor-widget-text-editor\" data-id=\"b8ac864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>Service<\/th><th>Voorwaarde<\/th><\/tr><\/thead><tbody><tr><td><strong>Lijfrente<\/strong><\/td><td>Gratis<\/td><\/tr><tr><td><strong>Type kaart<\/strong><\/td><td>Krediet met maandelijkse betaling<\/td><\/tr><tr><td><strong>Punten verzamelen<\/strong><\/td><td>1 punt voor elke uitgegeven \u20ac2<\/td><\/tr><tr><td><strong>Extra punten<\/strong><\/td><td>In partners terugbetalen<\/td><\/tr><tr><td><strong>Internationale acceptatie<\/strong><\/td><td>Ja, waar AmEx wordt geaccepteerd<\/td><\/tr><tr><td><strong>Extra kaarten<\/strong><\/td><td>Gratis<\/td><\/tr><tr><td><strong>Maandelijkse factuur<\/strong><\/td><td>Volledige betaling op de vervaldatum<\/td><\/tr><tr><td><strong>Beloningsprogramma<\/strong><\/td><td>Terugverdientijd<\/td><\/tr><tr><td><strong>Geld terug<\/strong><\/td><td>Via puntenuitwisseling<\/td><\/tr><tr><td><strong>Virtuele kaart<\/strong><\/td><td>Beschikbaar in de app<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45ecf69 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-child\" data-id=\"45ecf69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ac5ac elementor-widget elementor-widget-text-editor\" data-id=\"e1ac5ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 data-start=\"3142\" data-end=\"3200\"><strong data-start=\"3144\" data-end=\"3200\">Aanvraagcriteria - Wie kan aanvragen?<\/strong><\/h1><p data-start=\"3202\" data-end=\"3450\">\u2714\ufe0f Legaal woonachtig in Duitsland<br data-start=\"3235\" data-end=\"3238\" \/>\u2714\ufe0f Leeftijd 18 jaar of ouder<br data-start=\"3260\" data-end=\"3263\" \/>\u2714\ufe0f Een bankrekening in Duitsland hebben (voor debitering van facturen)<br data-start=\"3326\" data-end=\"3329\" \/>\u2714\ufe0f Een positieve kredietgeschiedenis hebben (Schufa)<br data-start=\"3374\" data-end=\"3377\" \/>\u2714\ufe0f Geldig document (paspoort of Ausweis)<br data-start=\"3420\" data-end=\"3423\" \/>\u2714\ufe0f Duits mobiel telefoonnummer<\/p><hr data-start=\"3452\" data-end=\"3455\" \/><h1 data-start=\"3457\" data-end=\"3499\"><strong data-start=\"3459\" data-end=\"3497\">Is American Express te vertrouwen?<\/strong><\/h1><p data-start=\"3500\" data-end=\"3629\">Ja, American Express is een van de veiligste en meest gerespecteerde financi\u00eble instellingen ter wereld, met tientallen jaren ervaring in Europa.<\/p><p data-start=\"3631\" data-end=\"3727\">In Duitsland wordt de service hoog gewaardeerd en is deze beschikbaar in het Duits, Engels en andere talen.<\/p><p data-start=\"3729\" data-end=\"3809\">Alle transacties zijn gebaseerd op geavanceerde beveiligings- en verificatietechnologie\u00ebn.<\/p><hr data-start=\"3811\" data-end=\"3814\" \/><h1 data-start=\"3816\" data-end=\"3865\"><strong data-start=\"3818\" data-end=\"3865\">Voor wie is de AmEx Payback Card ideaal?<\/strong><\/h1><p data-start=\"3867\" data-end=\"4228\">Inwoners van Duitsland die een kaart willen <strong data-start=\"3914\" data-end=\"3930\">geen jaarlijkse kosten<\/strong><br data-start=\"3930\" data-end=\"3933\" \/>Frequente kopers bij Payback supermarkten en drogisterijen<br data-start=\"4008\" data-end=\"4011\" \/>\ud83d\udd39 Mensen die de voorkeur geven aan eenvoudige en transparante maandelijkse facturering<br data-start=\"4077\" data-end=\"4080\" \/>Wie wil er een kaart? <strong data-start=\"4105\" data-end=\"4122\">internationaal<\/strong>, maar met voordelen in het dagelijks gebruik<br data-start=\"4155\" data-end=\"4158\" \/>Gebruikers op zoek naar beveiliging, app-controle en echte beloningen<\/p><hr data-start=\"4230\" data-end=\"4233\" \/><h1 data-start=\"4235\" data-end=\"4253\"><strong data-start=\"4237\" data-end=\"4253\">Conclusie<\/strong><\/h1><p data-start=\"4255\" data-end=\"4342\">O <strong data-start=\"4257\" data-end=\"4280\">AmEx Payback-kaart<\/strong> is een van de beste opties voor wie in Duitsland woont en op zoek is:<\/p><ul data-start=\"4344\" data-end=\"4489\"><li data-start=\"4344\" data-end=\"4361\"><p data-start=\"4346\" data-end=\"4361\">nul jaarlijkse kosten<\/p><\/li><li data-start=\"4362\" data-end=\"4397\"><p data-start=\"4364\" data-end=\"4397\">praktisch beloningsprogramma<\/p><\/li><li data-start=\"4398\" data-end=\"4425\"><p data-start=\"4400\" data-end=\"4425\">internationale acceptatie<\/p><\/li><li data-start=\"4426\" data-end=\"4448\"><p data-start=\"4428\" data-end=\"4448\">geavanceerde beveiliging<\/p><\/li><li data-start=\"4449\" data-end=\"4489\"><p data-start=\"4451\" data-end=\"4489\">volledig digitaal financieel beheer<\/p><\/li><\/ul><p data-start=\"4491\" data-end=\"4676\">Naast het verdienen van punten op vrijwel elke aankoop, biedt de kaart ondersteuning in verschillende talen en een van de meest complete digitale ervaringen onder de internationale kaarten in het land.<\/p><p data-start=\"4678\" data-end=\"4776\">Voor degenen die praktisch nut, besparingen en echte voordelen willen, is AmEx Payback een slimme keuze.<\/p><hr data-start=\"4778\" data-end=\"4781\" \/><h1 data-start=\"4783\" data-end=\"4823\"><strong data-start=\"4785\" data-end=\"4823\">FAQ - AmEx Payback Card Duitsland<\/strong><\/h1><h3 data-start=\"4825\" data-end=\"4867\"><strong data-start=\"4829\" data-end=\"4865\">Moet ik betalen om de kaart te krijgen?<\/strong><\/h3><p data-start=\"4868\" data-end=\"4909\">Nee. Het is volledig vrij van jaarlijkse lidmaatschapskosten.<\/p><h3 data-start=\"4911\" data-end=\"4947\"><strong data-start=\"4915\" data-end=\"4945\">Is het een creditcard?<\/strong><\/h3><p data-start=\"4948\" data-end=\"5010\">Ja. Alle aankopen worden in rekening gebracht op \u00e9\u00e9n maandelijkse factuur.<\/p><h3 data-start=\"5012\" data-end=\"5056\"><strong data-start=\"5016\" data-end=\"5054\">Verdien ik punten bij elke aankoop?<\/strong><\/h3><p data-start=\"5057\" data-end=\"5153\">Ja. Je verzamelt Payback-punten bij elk etablissement en verdient extra punten bij partners.<\/p><h3 data-start=\"5155\" data-end=\"5191\"><strong data-start=\"5159\" data-end=\"5189\">Wordt het buiten Duitsland geaccepteerd?<\/strong><\/h3><p data-start=\"5192\" data-end=\"5273\">Ja, American Express wordt in veel landen geaccepteerd, vooral bij grote ketens.<\/p><h3 data-start=\"5275\" data-end=\"5308\"><strong data-start=\"5279\" data-end=\"5306\">Werkt het met Apple Pay?<\/strong><\/h3><p data-start=\"5309\" data-end=\"5338\">Ja, en ook met Google Pay.<\/p><h3 data-start=\"5340\" data-end=\"5382\"><strong data-start=\"5344\" data-end=\"5380\">Is de app beschikbaar in het Duits?<\/strong><\/h3><p data-start=\"5383\" data-end=\"5443\">Ja, de app bestaat in het Duits, Engels en andere talen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Se voc\u00ea vive na Alemanha ou est\u00e1 se mudando para o pa\u00eds e busca um cart\u00e3o de cr\u00e9dito com um programa de recompensas ativo, boa aceita\u00e7\u00e3o internacional e isento de anuidade, o Cart\u00e3o American Express Payback pode ser uma excelente op\u00e7\u00e3o para o seu dia a dia. Cart\u00e3o American Express Payback \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) Neste artigo, voc\u00ea vai conhecer os principais benef\u00edcios, crit\u00e9rios de elegibilidade, funcionalidades e tarifas do Cart\u00e3o AmEx Payback \u2014 uma das op\u00e7\u00f5es mais populares entre consumidores na Alemanha que querem acumular pontos em compras do cotidiano. Emitido pela American Express em parceria com o programa de fidelidade Payback, o cart\u00e3o combina todas as vantagens de um cart\u00e3o de cr\u00e9dito internacional com a possibilidade de acumular pontos em diversos estabelecimentos e troc\u00e1-los por produtos, vouchers ou cashback. \u00c9 ideal para quem faz compras frequentes em redes como REWE, dm, Penny, Aral, entre outras participantes do programa Payback. \u2705 Principais Vantagens do Cart\u00e3o AmEx Payback \ud83d\udcb3 Sem Anuidade Vital\u00edcia N\u00e3o h\u00e1 cobran\u00e7a de anuidade ou taxas de manuten\u00e7\u00e3o \u2014 nunca. \ud83c\udf81 Ac\u00famulo de Pontos Payback Ganhe pontos a cada euro gasto em qualquer compra com o cart\u00e3o.Receba pontos extras em parceiros Payback. \ud83c\udf0d Cart\u00e3o Internacional \u2013 American Express Aceito globalmente em milh\u00f5es de estabelecimentos com bandeira AmEx, incluindo lojas online. \ud83d\udcf2 Gest\u00e3o 100% Digital Acompanhe gastos, visualize faturas, bloqueie\/desbloqueie o cart\u00e3o, solicite cart\u00f5es adicionais e muito mais via aplicativo ou site da American Express. \ud83d\udd10 Seguran\u00e7a e Controle Avan\u00e7ado Notifica\u00e7\u00f5es instant\u00e2neas Autentica\u00e7\u00e3o em duas etapas Bloqueio imediato Monitoramento antifraude 24h \ud83d\udcb0 Pagamento Ap\u00f3s 30 Dias Todas as compras s\u00e3o cobradas em uma fatura mensal, com at\u00e9 30 dias para pagamento. \ud83d\udcf1 Compat\u00edvel com Apple Pay e Google Pay Adicione o cart\u00e3o ao smartphone e pague por aproxima\u00e7\u00e3o com seguran\u00e7a. \ud83d\udc65 Cart\u00f5es Adicionais Gratuitos Voc\u00ea pode solicitar cart\u00f5es extras para familiares, e todos acumulam pontos na mesma conta Payback. Cart\u00e3o American Express Payback \u00a0 Sem Anuidade SOLICITAR (Voc\u00ea ser\u00e1 redirecionado para outra p\u00e1gina) \ud83d\udcb0 Cart\u00e3o AmEx Payback \u2013 Taxas e Condi\u00e7\u00f5es \u00a0 Servi\u00e7o Condi\u00e7\u00e3o Anuidade Gratuita Tipo de Cart\u00e3o Cr\u00e9dito com pagamento mensal Ac\u00famulo de Pontos 1 ponto a cada \u20ac2 gastos Pontos Extras Em parceiros Payback Aceita\u00e7\u00e3o Internacional Sim, onde AmEx \u00e9 aceita Cart\u00f5es Adicionais Gratuitos Fatura Mensal Pagamento integral at\u00e9 o vencimento Programa de Recompensas Payback Cashback Via troca de pontos Cart\u00e3o Virtual Dispon\u00edvel no aplicativo \ud83e\uddfe Crit\u00e9rios para Solicita\u00e7\u00e3o \u2013 Quem Pode Solicitar? \u2714\ufe0f Residir legalmente na Alemanha\u2714\ufe0f Ter 18 anos ou mais\u2714\ufe0f Possuir conta banc\u00e1ria na Alemanha (para d\u00e9bito das faturas)\u2714\ufe0f Ter hist\u00f3rico de cr\u00e9dito positivo (Schufa)\u2714\ufe0f Documento v\u00e1lido (Passaporte ou Ausweis)\u2714\ufe0f N\u00famero de celular alem\u00e3o \ud83d\udcbc A American Express \u00e9 confi\u00e1vel? Sim. A American Express \u00e9 uma das institui\u00e7\u00f5es financeiras mais seguras e respeitadas do mundo, com d\u00e9cadas de atua\u00e7\u00e3o na Europa. Na Alemanha, o atendimento \u00e9 altamente avaliado e dispon\u00edvel em alem\u00e3o, ingl\u00eas e outros idiomas. Todas as transa\u00e7\u00f5es contam com tecnologias avan\u00e7adas de seguran\u00e7a e verifica\u00e7\u00e3o. \ud83d\udeeb Para quem o Cart\u00e3o AmEx Payback \u00e9 ideal? \ud83d\udd39 Residentes na Alemanha que querem um cart\u00e3o sem anuidade\ud83d\udd39 Quem faz compras frequentes em supermercados e drogarias da rede Payback\ud83d\udd39 Pessoas que preferem uma cobran\u00e7a mensal simples e transparente\ud83d\udd39 Quem deseja um cart\u00e3o internacional, mas com vantagens no uso di\u00e1rio\ud83d\udd39 Usu\u00e1rios que buscam seguran\u00e7a, controle via app e recompensas reais \ud83d\udcdd Conclus\u00e3o O Cart\u00e3o AmEx Payback \u00e9 uma das melhores op\u00e7\u00f5es para quem vive na Alemanha e busca: zero anuidade programa de recompensas pr\u00e1tico aceita\u00e7\u00e3o internacional seguran\u00e7a avan\u00e7ada gest\u00e3o financeira totalmente digital Al\u00e9m de acumular pontos em praticamente todas as compras, o cart\u00e3o oferece suporte em v\u00e1rios idiomas e uma das experi\u00eancias digitais mais completas entre cart\u00f5es internacionais no pa\u00eds. Para quem quer praticidade, economia e benef\u00edcios reais, o AmEx Payback \u00e9 uma escolha inteligente. FAQ \u2013 Cart\u00e3o AmEx Payback Alemanha Preciso pagar para ter o cart\u00e3o? N\u00e3o. Ele \u00e9 totalmente isento de anuidade. \u00c9 cart\u00e3o de cr\u00e9dito mesmo? Sim. Todas as compras s\u00e3o cobradas em uma \u00fanica fatura mensal. Acumulo pontos em qualquer compra? Sim. Voc\u00ea acumula pontos Payback em qualquer estabelecimento e ganha pontos extras em parceiros. \u00c9 aceito fora da Alemanha? Sim. American Express \u00e9 aceita em v\u00e1rios pa\u00edses, principalmente em grandes redes. Funciona com Apple Pay? Sim. E tamb\u00e9m com Google Pay. O app est\u00e1 dispon\u00edvel em alem\u00e3o? Sim. O aplicativo existe em alem\u00e3o, ingl\u00eas e outros idiomas.<\/p>","protected":false},"author":1,"featured_media":13404,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[326],"tags":[],"post_folder":[],"class_list":["post-13406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/posts\/13406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/comments?post=13406"}],"version-history":[{"count":28,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/posts\/13406\/revisions"}],"predecessor-version":[{"id":17304,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/posts\/13406\/revisions\/17304"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/media\/13404"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/media?parent=13406"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/categories?post=13406"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/tags?post=13406"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/nl\/wp-json\/wp\/v2\/post_folder?post=13406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}