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US Credit Cards

See why US rewards can be more valuable, which setup steps matter and how to approach your first US credit card with personal guidance.

Book the packageEUR 499 one-time
The complete package explained

Your personal route to a US card setup

Julian explains how the personal setup is structured, which steps you complete together and why the sequence of address, EIN, application and card strategy matters.

011:1 setup02A clear sequence03Follow-up support
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Complete package

From preparation to follow-up support

This is not an anonymous video course: the package combines personal setup, a specific card strategy and support after the appointment.

Complete price499 €one-time · no recurring fee
Book the package

Personal guidance – not a self-study course.

Included in the package7 components
Complete 1:1 setup appointment

We walk through the full path together and tailor it to your situation.

US credit-card application

Guidance through the application and the order of the setup steps.

US address and phone number

Support with the required setup and practical use.

ITIN application

Guidance through applying for an Individual Taxpayer Identification Number (ITIN).

Card and points strategy

We decide which card to start with and which benefits match your goals.

Risks and critical details

A clear discussion of sensitive steps, responsibilities and what to avoid.

Exclusive WhatsApp community

Follow-up support and exchange after the setup appointment.

Four clear benefits

Why the US setup can be worthwhile

The four core points at a glance. All values are indicative rather than guaranteed; rates, offers and eligibility can change.

01

Exchange-rate effect

Moving from a German to a US points setup can produce roughly up to 20% more starting points, depending on Amex conversion and exchange rates.

02

Ø 46% stronger transfers

Across the 10 partners that can be compared directly in the table below, the stored US ratios deliver a stronger result on average.

03

Larger welcome offers

Selected US cards publicly advertise welcome offers of up to six figures in Membership Rewards. Offers can be personalised.

04

Lower spend thresholds are possible

Depending on the card, a welcome offer can be reached with a lower minimum spend. No-fee options can also reduce the cost of entry.

US cards

Which Amex cards are relevant here

Filter by personal, hotel, business or no-fee cards. Select two or three cards to compare the publicly available details directly.

Updated July 2026. Offers may be personalised, time-limited or link-dependent. The official application always controls.

Personal

3 cards
American Express Platinum Card$895/year5X points on flights and prepaid hotels via Amex TravelWelcome offerUp to 175,000 Membership Rewards after USD 12,000 spend in 6 months
American Express Gold Card$325/year4X at restaurants worldwide and US supermarkets, 3X on flightsWelcome offerUp to 100,000 Membership Rewards after USD 6,000 spend in 6 months
American Express Green Card$150/year3X on travel, transit and restaurantsWelcome offerNo publicly quantified standard offer; check the Amex application

Hotel

5 cards
Marriott Bonvoy Bevy Card$250/year6X at Marriott hotels, 4X at restaurants/US supermarkets, 2X otherwiseWelcome offerNo publicly quantified standard offer; check the Amex application
Hilton Honors Aspire Card$550/year14X at Hilton, 7X on select travel and US restaurants, 3X otherwiseWelcome offerNo publicly quantified standard offer; check the Amex application
Hilton Honors Card$0/year7X at Hilton, 5X on US dining/grocery/gas, 3X otherwiseWelcome offerNo publicly quantified standard offer; check the Amex application
Hilton Honors Surpass Card$150/year12X at Hilton, 6X on US dining/grocery, 4X US online retail, 3X otherwiseWelcome offerNo publicly quantified standard offer; check the Amex application
Marriott Bonvoy Brilliant Card$650/year6X at Marriott hotels, 3X at restaurants/flights, 2X otherwiseWelcome offerNo publicly quantified standard offer; check the Amex application

Business

4 cards
Business Platinum Card$895/year5X on flights and prepaid hotels via Amex TravelWelcome offerUp to 300,000 Membership Rewards after USD 20,000 spend in 3 months
Business Gold Card$375/year4X in the top two business categoriesWelcome offerUp to 200,000 Membership Rewards after USD 15,000 spend in 3 months
Blue Business Plus Card$0/year2X Membership Rewards on the first USD 50,000 per yearWelcome offer15,000 Membership Rewards after USD 3,000 spend in 3 months
Blue Business Cash Card$0/year2% cash back on the first USD 50,000 per yearWelcome offerUSD 250 statement credit after USD 3,000 spend in 3 months
Personal3 cards
Hotel5 cards
Business4 cards
Germany vs. USA

Why US Membership Rewards can transfer more strongly

Transfer ratios are reduced to small, easy-to-read values. Green marks the stronger market, red the weaker one, and the last column shows the exact advantage.

PartnerType🇩🇪 Germany🇺🇸 USABetter
British Airways / AviosAirline10 MR : 8 Avios1 MR : 1 Avios+25%USA better
Cathay Pacific / Asia MilesAirline3 MR : 2 Asia Miles5 MR : 4 Asia Miles+20%USA better
Delta SkyMilesAirline3 MR : 2 SkyMiles1 MR : 1 Meile+50%USA better
Emirates SkywardsAirline2 MR : 1 Skywards Meile5 MR : 4 Skywards miles+60%USA better
Flying BlueAirline10 MR : 8 Flying Blue miles1 MR : 1 Flying Blue Meile+25%USA better
Hilton HonorsHotel1 MR : 1 Hilton Honors point1 MR : 2 Hilton Honors points+100%USA better
Iberia Plus / AviosAirline10 MR : 8 Avios1 MR : 1 Avios+25%USA better
Marriott BonvoyHotel3 MR : 2 Marriott Bonvoy points1 MR : 1 Marriott Bonvoy point+50%USA better
Qatar Privilege Club / AviosAirline3 MR : 2 Avios1 MR : 1 Avios+50%USA better
Singapore KrisFlyerAirline3 MR : 2 KrisFlyer miles1 MR : 1 KrisFlyer Meile+50%USA better
Aer Lingus AerClubAirlineNot available1 MR : 1 AviosUSonly there
Aeromexico RewardsAirlineNot available5 MR : 8 Aeromexico Rewards pointsUSonly there
Air Canada AeroplanAirlineNot available1 MR : 1 Aeroplan pointUSonly there
ANA Mileage ClubAirlineNot available1 MR : 1 ANA Mileage Club MeileUSonly there
Avianca LifeMilesAirlineNot available1 MR : 1 LifeMileUSonly there
Etihad GuestAirlineNot available1 MR : 1 Etihad Guest MeileUSonly there
JetBlue TrueBlueAirlineNot available5 MR : 4 TrueBlue pointsUSonly there
Qantas Frequent FlyerAirlineNot available1 MR : 1 Qantas pointUSonly there
Virgin Atlantic Flying ClubAirlineNot available1 MR : 1 Virgin PointUSonly there
Choice PrivilegesHotelNot available1 MR : 1 Choice Privileges pointUSonly there
Finnair PlusAirline10 MR : 8 Finnair Plus pointsNot availableDEonly here
PaybackGeneral3 MR : 1 Payback-pointNot availableDEonly here
Radisson RewardsHotel3 MR : 2 Radisson Rewards pointsNot availableDEonly here
SAS EuroBonusAirline10 MR : 8 EuroBonus pointsNot availableDEonly here