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MichelleA199401
5 months ago

The Payback Amex is always free. I’ve been using them for a long time to book flights, because you can convert your payback points for free 1:1 into miles ( Miles and more).

In addition, have the Amex gold this is of course perfect in the first year as you get 30,000 points and depending on the destination that is already a flight. In addition, travel health insurance, travel cancellation and baggage insurance is included. But it has an enormous countervalue. Flying soon to new York Business class and pay only 100 per person instead of several thousand. You can also balance the billing with the points.

You can start small with the Payback Amex as this is permanently free. There are 3000 points. I added the Amex gold later, as it can make a lot possible.

You can use an amex almost everywhere. Except in small shops.

It’s just a lot of information 😅 on questions I’m available

https://travelwithmichelleanddavid.jimdofree.com/

MichelleA199401
5 months ago
Reply to  Jhgff

I don’t use them as a credit card in the sense. I make all purchases and expenses with credit cards, my account remains unaffected. Once a month, the credit card expires. Because so I get points and can book flights and travel almost free. Payback can earn so much more than just ” Points” 😊

Curasanus
5 months ago

I’ve been using the permanently free card for many years. Last year I got 75 euros back, this year unfortunately only 50 euros.