Country 
Austria
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Italy
Magazine Focus-Money and affiliate company Deutschland Test have performed a comparison of co-branding credit cards in Germany which saw the PAYBACK American Express credit card come out on top. A total of ten customer credit cards issued by major online and offline companies were rated in the categories 'Annual fee', 'Acceptance', 'Cash/interest' and 'Services/bonus programme'. The PAYBACK American Express credit card won the day with the greatest savings potential, the lowest fees, the largest number of partners and the best-rewarded incentive programme. The test winner also scored additional points as, unlike most of the competing cards, no annual credit card fee is charged in the second or subsequent years.
The cards were selected on the basis of representative surveys regarding coverage, popularity and awareness. One of the test's most important criteria was the rewards offered by the bonus programmes. PAYBACK customers are able to collect double points when making purchases from many of the scheme's partners; in fact, 620 commercial and online companies provide this option, including Aral, real,-, dm-drogerie markt, Galeria Kaufhof and REWE. In other words, PAYBACK customers receive the regular number of points awarded by the partner plus additional points – 1 point per 2 euros spent – if they pay using the PAYBACK American Express card. PAYBACK customers also benefit from other advantages: they can have their points balance paid out in cash. They can also collect double points from their two favourite partners on a permanent basis, i.e. 1 point per 1 euro spent, and profit from additional American Express protection and service benefits, a free extra card and an extended right of return.
More information about the PAYBACK American Express credit card is available at www.PAYBACK.de/amex.
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Walter Lukner, Director of Sales at PAYBACK, describes the features and benefits of customer credit cards in an interview. Read the full article here.