FREQUENTLY ASKED QUESTIONS (FAQ)

The card offers 0.33% cashback from American Express plus 0.5% from PAYBACK at partner stores

You can increase your cashback by:

Using coupons in the PAYBACK Mobile App

Installing the PIA Webbrowser Plugin for online shopping

Using the Extreme Couponing Manager Mobile App for additional coupons

It's an option that doubles your cashback to 0.66% for an annual fee of €35

By using certain credit cards, such as the American Express card in conjunction with a PAYBACK loyalty card, you can earn cashback on daily expenses. For example, the AMEX card offers 0.33% cashback, and PAYBACK partners provide an additional 0.5%.

To maximize cashback, use your cashback credit card for everyday purchases, take advantage of partner offers, and utilize apps or plugins that provide additional coupons or points

The PAYBACK Mobile App displays coupons that can increase your cashback rates. Depending on your previous shopping behavior, the selection of coupons may vary. Some coupons can be combined for higher savings. For instance, a 10x coupon at a partner store can raise your cashback to 5.3%

The PIA Plugin allows you to collect points while shopping online at retailers like eBay, Amazon, and Lieferando. For example, combining 0.3% from AMEX and 0.5% from PAYBACK at eBay results in 0.8% cashback

Using tools like the Extreme Couponing Manager Mobile App, you can access a variety of coupons (e.g., 10x, 20x) that may not be available in the official PAYBACK App. Some of these coupons are combinable, allowing for significant savings

For an annual fee of €35, the Membership Rewards Turbo option doubles your cashback rate from 0.33% to 0.66%. To offset the fee through cashback, you would need to spend approximately €10,500 in a year

PAYBACK points can be redeemed in several ways: transferred to a bank account, used to pay at partner stores, or applied during online shopping

When collecting cashback through PAYBACK, your purchasing data is shared with PAYBACK for market research purposes

It's advisable to purchase only items you would buy regardless of the PAYBACK points. The cashback is an added benefit, but should not drive unnecessary purchases

Given that the number of available coupons is limited, it's generally better to redeem accumulated points unless there are special promotions offering bonus points for redemption

The card offers 1% cashback on Amazon purchases and 0.5% on all other purchases

Amazon points can only be redeemed on Amazon.de

Yes, there's a 1.5% foreign currency fee, so it's best to use the card only in the Eurozone

Yes, there's a one-time €10 bonus

Yes, Amazon Points earned from Amazon purchases can be combined with other cashback programs, such as Payback via the PIA browser extension

Yes, but it's not recommended due to high interest rates

The standard credit limit is €2,000

Yes, a credit check (SEPA-Score) is performed during the application process

It's not recommended to use the card outside the Eurozone due to a 1.5% foreign currency fee

Cash withdrawals in euros cost 3.9% (minimum €1.50), and in other currencies, it's 5.9% (minimum €1.50)

No, the card is not ideal for cash withdrawals due to high fees

Points are only collected for each full euro spent. For example, purchases of €1 and €1.99 will earn the same number of points

Amazon Points can only be redeemed at Amazon

Cashback is collected in the form of Amazon Points

It offers 1% cashback on debit card purchases and 3.25% p.a. interest on the account balance

Yes, cashback is limited to €15 per month (1% on up to €1500 of purchases)

You must invest at least €50 per month in a savings plan to be eligible for cashback

Yes, the maximum amount eligible for the daily interest rate is €50,000

Yes, in addition to the clearing account, you must maintain a depot with Trade Republic

There are three options: a virtual card, a classic card (€5 shipping fee), and a mirror card (€50 shipping fee)

Cash withdrawals of €100 or more are free worldwide. Withdrawals under €100 incur a €1 fee

Yes, the card can be used abroad with no foreign currency fees

Round Up allows you to round up each transaction to the next euro, with the difference invested in an ETF/stock of your choice

Yes, you can use a multiplier to increase the rounded-up difference

You can invest your cashback in money market ETFs for partial protection against market fluctuations

The Plutus card offers 3% cashback on all purchases made with the card

Yes, there are three plans: Starter, Everyday, and Premium, each with different monthly fees and cashback limits

Cashback is paid in PLU cryptocurrency, which can be subject to market fluctuations.

Remember that card terms and conditions may change over time, so it's always best to check the most current information directly with the card issuer

Perks are additional benefits worth €10/month in PLU cryptocurrency, available for various retailers like Aldi, REWE, Edeka, Lidl, Curve, and others

Yes, through various staking programs, cashback can be increased up to 9% and the number of perks up to 9

Yes, cash withdrawals cost 2.5%. Transactions in non-Euro countries also incur a 2.5% fee

Currently, PLU can only be exchanged for euros/stablecoins at external cryptocurrency exchanges like KuCoin or Coinbase

Yes, you can only transfer collected PLU to an external wallet after 45 days, and the PLU value must be at least €50. There's also a €7.50 Ethereum gas fee for transfers

Currently, PLU can only be exchanged for euros/stablecoins at external cryptocurrency exchanges like KuCoin or Coinbase

Yes, you can increase your monthly spending coverage from €1000 to €10,000 by redeeming PLU

The cashback rate is 1% in the first year and 0.5% in subsequent years

Officially, the card is available for sole proprietors, freelancers, tradespeople, and small business owners. However, this condition is not verified during registration

Yes, there is a 0.75% foreign currency fee, making the card suitable only for payments in euros

Cash withdrawals cost €2, regardless of the amount withdrawn

The cashback is credited as a balance on the METRO card and can be used directly for future purchases

No, withdrawal of cashback is not possible

Transactions are debited from the linked bank account

No, the card is linked to your existing bank account

Curve is a Mastercard debit card that aggregates other cards, allowing you to link multiple cards to a single Curve card

The main advantage is not the cashback, but the ability to link multiple cards and choose which card to charge after a purchase has been made

It allows you to switch payments from one card to another after a purchase has been made

It automatically selects another linked card if the primary card is declined

Cashback is collected in Curve Cash Points, where 100 Points = 1.00 GBP

Yes, with the Curve Black plan, you can earn cashback both from Curve and from your linked card

You can redeem them via PayPal transfer or use them for purchases (minimum purchase of 10c, and Curve Cash value must be greater than or equal to the purchase price)

No, new points are not collected when paying with Curve Cash

No, you cannot load the Curve Card with a balance. It uses the balance from the cards you've linked to it

Yes, there's a one-time 5 GBP bonus if you spend at least 10 GBP within the first 14 days

Yes, with the Curve Black plan, you can get 1% cashback on fuel receipts from BP and Shell

1% Cashback auf Tankumsätze plus 0,33%-0,5% überall als Membership Rewards

Ja, die Karte kostet 20€ pro Jahr, ist aber ab einem Jahresumsatz von 4000€ kostenlos

Hinweis: Um die Jahresgebühr durch Cashback auszugleichen, sind monatliche Kraftstoffausgaben von mindestens 125,34€ erforderlich

Ja, durch den Umweg über den BMW Drivers Club kann die Jahresgebühr gespart werden

Der Cashback gilt bei Aral, Westfalen AG, ESSO, Shell, BFT, Agip, Jet, Total, Avia, Tamoil und OMV

Nein, es gibt keine Begrenzung des maximalen Tankumsatzes

Die Punkte können flexibel eingelöst werden, z.B. in PAYBACK Punkte (0,33% effektiv), direkt ausgegeben (0,4% effektiv) oder in Wertgutscheine (0,5% effektiv) getauscht werden

Ja, es gibt eine Fremdwährungsgebühr von 2% und Bargeldabhebungen kosten 3% (mindestens 5€)

1% Cashback auf Tankumsätze

Ja, der Cashback ist auf 200€ Tankumsatz pro Monat begrenzt, was einem maximalen Cashback von 24€ pro Jahr entspricht

Nein, der Cashback gilt für alle Tankstellen und Ladestationen in Deutschland

Ja, es fällt ein Einsatzentgelt von 1,50% bei Zahlungen nicht in Euro an

Die ersten 4 Geldabhebungen im Monat sind kostenlos, weitere sind kostenpflichtig

Ja, es ist möglich, Geld auf die Kreditkarte einzuzahlen und auch von der Kreditkarte auf das Referenzkonto zu überweisen

Fuel prices in Germany fluctuate daily, typically being lowest between 6 PM and 10 PM and highest between 5 AM and 8 AM. The price difference at the same gas station can range from 8 to 13 cents per liter within a single day

Yes, within a city or region, fuel prices can vary significantly between stations. Daily price differences of 18 to 24 cents per liter are common among different stations in the same area. For example, on September 30, 2024, in Berlin, E5 fuel prices ranged from €1.53 to €1.85 per liter, depending on the station and time of day

Highway gas stations generally have higher fuel prices, with differences of approximately 36 cents per liter for diesel and 39 cents per liter for gasoline compared to city stations. Filling a 50-liter tank on the highway can cost over €20 more than at city stations

Choose Independent Stations: Independent gas stations often offer lower prices than major brand stations

Consistent Pricing: Stations that are generally cheaper tend to remain so, while more expensive ones usually stay costly

Regional Differences: Fuel prices across different German regions have minimal variations, averaging around 5 cents per liter annually

Fuel Type Difference: The price difference between E5 and E10 fuels is typically about 6 cents per liter

Utilize price comparison apps that display current fuel prices to identify the best deals in your area. For more information, refer to Cashbackfuchs: Kraftstoff sparen mit Tankrabatt Apps

Consider using cashback credit cards that offer rebates on fuel purchases. For more details, see Cashbackfuchs: Die besten Cashback-Karten fürs Tanken

Brand-name gas stations like Aral, Shell, Total, and Esso offer loyalty programs that allow customers to earn points or receive discounts on fuel purchases. By participating in these programs and utilizing available coupons, you can effectively reduce fuel costs

At Aral stations, you can earn PAYBACK points—specifically, 1 point per 2 liters of fuel, equating to approximately 0.33% cashback at a fuel price of €1.50 per liter. Using multipliers from PAYBACK app coupons (e.g., 10x), you can increase this rate to 3.3%. Accumulated points can be redeemed for cash or used for future purchases

Shell's ClubSmart program offers 2 ClubSmart points per liter of fuel, translating to about 1.33% cashback at €1.50 per liter. ADAC members receive an additional discount of €0.01 per liter, bringing the total cashback to approximately 2%. Points can be redeemed for rewards or discounts on future purchases

TotalEnergies provides a loyalty program where customers earn 1 point for every 5 liters of fuel purchased. These points can be exchanged for rewards or products from their car wash range

At Esso stations, customers earn 1 DeutschlandCard point per 2 liters of fuel, equating to about 0.33% cashback at €1.50 per liter. Using multipliers from the DeutschlandCard app (e.g., 8x), the cashback rate can increase to 2.64%. Points can be redeemed for rewards or discounts on future purchases

Yes, combining loyalty programs with credit cards that offer cashback or perks can enhance savings. For instance, using the Plutus card can provide an extra €10 cashback monthly at selected stations, and the Curve card offers an additional 1% cashback

Both brand-name and independent gas stations in Germany source fuel from the same refineries and adhere to the same quality standards. Brand-name stations may add proprietary additives, but the overall quality remains comparable

To maximize savings:

Participate in loyalty programs offered by gas stations

Utilize available coupons and multipliers through associated apps

Combine loyalty benefits with credit card cashback offers

Compare fuel prices between stations to find the best deals

Utilizing fuel price comparison apps allows you to identify the cheapest gas stations and optimal times to refuel, helping you take advantage of price fluctuations throughout the day

Yes, at the same gas station, daily price differences can range from 8 to 13 cents per liter. Between different stations within a city, the variance can be between 18 to 24 cents per liter. For instance, in Berlin, savings of up to 32 cents per liter for E5 fuel have been observed on a given day

clever-tanken: Assists in locating the cheapest gas stations

mehr-tanken: Another tool for finding affordable fuel options

chargeprice: Helps electric vehicle owners find cost-effective charging stations

Yes, combining the use of these apps with other strategies, such as choosing independent gas stations and utilizing loyalty programs, can lead to further savings. For more detailed advice, refer to Cashbackfuchs: Sparen bei Tanken mit richtigen Tipps

Absolutely. Using cashback credit cards in conjunction with these apps can maximize your savings on fuel purchases. For more information, see Cashbackfuchs: Die besten Cashback-Karten fürs Tanken.

Utilizing loyalty cards such as PAYBACK, DeutschlandCard, Lidl Plus App, Rossmann App, and Müller App can help you earn cashback on everyday purchases

PAYBACK allows you to earn points equivalent to 0.5% cashback at partner stores. By using the PAYBACK Mobile App, you can access coupons that may increase your cashback rate. For example, a 10x coupon can elevate your cashback to 5%.

The Extreme Couponing Manager Mobile App provides additional coupons, some of which can be combined to boost your cashback. For instance, a 20x coupon can increase your cashback to 10%

Yes, using an American Express credit card linked to PAYBACK can raise your total cashback to 0.83%, as the card offers an extra 0.33% on all purchases, even outside PAYBACK partners

The Plutus card offers perks that can provide €10 extra cashback monthly at stores like REWE and dm

PAYBACK points can be redeemed by transferring them to a bank account, using them to pay at partner stores, or applying them during online shopping

Collecting cashback through PAYBACK involves sharing your purchasing data with PAYBACK for market research purposes

Purchase only items you would buy regardless of the PAYBACK points; consider the cashback as an added benefit

Redeem accumulated points unless there are special promotions offering bonus points for redemption

Since the number of available coupons is limited and each can be used only once, it's better to make fewer, larger purchases to maximize benefits.

Opting for store brands (also known as private labels) instead of traditional brands can lead to significant savings. Store brands are typically priced lower because they incur fewer costs related to innovation and advertising. For example, products like "Gut Bio" (Aldi) or "Gut & Günstig" (Edeka) offer quality comparable to traditional brands at a reduced price

Traditional Brands: Produced by a single manufacturer and sold under a specific brand name, such as Dr. Oetker or Ritter Sport. These products often have higher prices due to expenses in innovation and advertising.

Store Brands: Created for retailers, meeting specific quality and price criteria set by the store. They are generally more affordable as they don't bear the same innovation and advertising costs. Examples include "Ja" (Rewe) and "Edeka Bio" (Edeka)

Discount Stores (e.g., Lidl, Aldi): Approximately 65% of their products are store brands, including budget-friendly options

Supermarkets (e.g., Edeka, Rewe): Store brands make up about 20% of their total assortment

Yes, some store brands are produced by the same manufacturers behind traditional brands. This approach helps manufacturers utilize their production capacities effectively. Additionally, some producers specialize exclusively in creating store brands, and certain retailers operate their own manufacturing facilities.

According to Stiftung Warentest, store brands often match traditional brands in quality while being more affordable. Choosing store brands, especially in the low-price segment, can result in substantial savings without compromising on quality

Yes, the price differences are more pronounced in drugstores. Studies indicate that a basket of traditional brand items can cost up to 83% more than a basket filled with store brand equivalents

Compare Unit Prices: Always check the unit price (e.g., per kilogram or liter) to ensure you're getting the best deal

Utilize Loyalty Programs and Coupons: Participate in store loyalty programs and use available coupons to maximize savings.

Plan Your Purchases: Create a shopping list to avoid impulse buys and take advantage of sales on items you regularly use

Price comparison apps provide an overview of discounts and promotions across various supermarkets and discount stores. They display flyers with current offers or list prices for individual products, enabling you to identify the best deals and plan your shopping accordingly

Not always. Some apps may only showcase a portion of available offers, and certain listed deals might not be present in-store. For instance, studies have found that, on average, only three out of four advertised offers were available on-site. Additionally, searching for discounts in digital flyers can be time-consuming, and product searches may sometimes yield incorrect results

Yes, research indicates that the same retailer can have varying prices in neighboring towns or different city districts. It's advisable to select a nearby location within the app to compare offers accurately

Most apps receive prices directly from retail chains, but not all prices are disclosed. Some apps, like Smhaggle, collect data from customer receipts to provide pricing information

Yes, certain apps provide cashback:

Smhaggle: Offers €0.05 for each submitted receipt

Marktguru: Provides cashback for specific promotional items, such as €1 for purchasing a particular type of apple. Receipts must be submitted to receive cashback

Yes, these apps can be beneficial. Waiting for special offers on specific products and purchasing them in bulk can lead to savings. Among the apps, Marktguru has shown the highest savings at nearly 12%, while others like KaufDA offer around 10% or less

Smhaggle: Focuses on product searches for specific retailers and offers personalized deals. It provides a price indicator showing current prices and ranges for products

KaufDA: Displays flyers from various retailers, allowing users to add products to a shopping list. However, not all flyers are equally well digitized.

Marktguru: Shows flyers from most retail chains and enables users to add products to a shopping list. It also offers an overview of current discounts and cashback opportunities for specific promotional items.

Yes, utilizing customer loyalty cards and apps can further enhance savings. For more information, refer to Cashbackfuchs: Sparen bei Lebensmitteln und Drogeriewaren mit Kundenkarten

The standard cashback rate is 0.5% at DeutschlandCard partner stores

You can use your DeutschlandCard at partner stores such as Edeka, Esso, Marktkauf, Netto Marken-Discount, and others

Points collected can only be used to pay for your next purchase and cannot be transferred to a bank account

The app displays coupons that can increase your cashback. Coupons can sometimes be combined under certain conditions

Yes, you can collect points at online partners like eBay.de, Amazon, Lieferando, and others, typically at a 0.5% rate

It's a third-party app that provides additional coupons for DeutschlandCard users

It offers coupons like 2x, 4x, 5x, potentially providing a larger selection than the official DeutschlandCard app

With a 4x coupon, your cashback can increase to 2% (0.5% * 4)

Yes, you can find free NETTO coupons on the NETTsOviel website to increase your cashback

The Plutus credit card offers €10 extra cashback per month at Edeka and/or Esso through its Perks program

The offer is smaller than AMEX and PAYBACK, and it's recommended if you regularly shop at DeutschlandCard partners like Netto or Edeka

For fuel, points are only available at Esso (1 point per 2 liters, equivalent to 0.33% at €1.50 fuel price). There may be better offers for fuel purchases available

Lidl Plus is a rewards program for grocery shopping at Lidl stores

The app offers coupons, discounts, digital receipts, and in-app payment options

No, offers can be personalized based on your shopping behavior

Yes, you can pay through the app by entering your IBAN details

No, credit card payments are not supported in the app

You'll receive a €4 coupon (1% cashback) for your next purchase, valid for 10 days

Yes, you can get free selected products for monthly spending of €60, €120, or €200

Yes, you can get time-limited discounts on Disney+ (for €400 monthly spend) or BildPlus (for €200 monthly spend) subscriptions

Yes, the app features temporary partner offers with discounts (e.g., ADAC, clever fit)

No, the offers are personalized and non-transferable

Yes, you can get an extra €10 cashback per month using the Plutus credit card

It's recommended to only buy products you would purchase even without the discount

The ROSSMANN App is a mobile application that offers coupons and discounts for shopping at ROSSMANN stores

The app is suitable for purchasing drugstore items and groceries at ROSSMANN stores

You can save up to 10% on your entire purchase using coupons from the app

The app offers various coupons including 10%, 20%, 25%, and 50% discounts for different brands and categories

New coupons are added every 2 months. Registered users receive 4 coupons, while unregistered users receive 2 coupons

No, the 10% coupons cannot be combined with each other

Some app coupons can be used for online orders, but others (like the 10% coupons) are only valid in-store

While you can use the app without registration, registered users receive more coupons (4 instead of 2 every 2 months)

The Müller App is a mobile application for shopping at Müller stores, offering cashback and discounts on drugstore items and groceries

You can earn 1% cashback on purchases, which is collected in Müller Blüten (Müller's loyalty points)

Yes, there's a €5 welcome bonus for your first purchase of €20 or more

The app offers temporary discounts (e.g., -€1, -€2, -€3, 10%, 15%, 20%, 25%, 30%) on individual items, which need to be activated before purchase

Yes, you can present a 10% paper coupon from Rossmann, dm, or Douglas at the checkout to receive a 10% discount on your purchase

Yes, you can pay through the app by entering your IBAN. However, not all banks are supported

No, credit card payments are not supported in the app

Müller Blüten should be redeemed within one year, or they will expire

Yes, you can send up to 3 invitations to friends and receive 150 Blüten (€1.50) per invitation