Barclay card and American Express are the two companies that offer credit cards in USA and Germany. Barclay bank in USA issues a lot of different credit cards with attractive signup bonus and rewards points program. The most popular card is the Barclays Arrival Premier World Elite Mastercard which offers you 25,000 bonus points after spending $25,000. Its rewards program offers unlimited 2x miles on all purchases. Barclay Ring offers low APR of around 10.49% on purchases and balance transfer plus it has no foreign transaction fee and annual fee.

Barclay bank in Germany only offer one type of credit card. Barclay card Germany features zero interest in the first 2 months. This means you can wait until after 2 months to make the repayment. They have also waived the annual fee permanently. There are 2 options to repay your balance. The first option is to pay off the entire balance at one go and the second option is to pay the balance in installment.

The minimum payment is only 2% of what you owe (minimum 15 Euro). If you did not pay your balance in full, the interest fees will accrue on it. You don’t have to open a new checking account when you apply for the card. You will be able to save 5% if you use to card to book your next trip on Professional Travel GmbH. If someone has stolen your credit card and charge it, you can report it to them and they will refund up to 500 Euro of the stolen amount.

In the USA, Blue Cash Everyday card is the most popular card issued by American Express. Blue Cash Everyday card allows you to earn a $150 statement credit when you spend $1,000 in the first 3 months. Amex EveryDay credit card offers 10,000 points + waive the balance transfer fee when you spend $1,000 in the first 3 months. Amex EveryDay card has a 15 months zero percent intro promo. Amex Premier Rewards Gold offers 25,000 points when you have spent $2,000 in the first 3 months.

American Express offers Gold Card and Payback American Express Karte in Germany. American Express Gold offers 15,000 points when you spend $1,000 in the first 3 months. They will also give you another 15,000 points through referral of a friend. Every euro you spend will earn you 1 point. In the Turbo program, you can earn 1.5 point per euro spent. You can transfer your points to airline and hotel programs.

Amex Payback card offers 1 point per 2 euros spent on top of the regular points that you earn when you shop via the Payback partners. The annual fee is permanently waived on the card. You can apply an additional credit card for free and that card will also earn points on purchases. It also offer an extended warranty for online and offline purchases that last for 90 days.