| Bank/provider | American Express | American Express |
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| Joining fee | €0 first-year fee | €0 first-year fee |
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| Renewal fee | €192/year from the second year | €95/year from the second year |
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| Best for | - Users in France who want to earn Membership Rewards points on everyday spending
- Frequent shoppers who prefer flexible rewards instead of direct cashback
- Travellers who want points that can be used for travel and partner redemptions
| - Users in France who want an entry-level American Express rewards card
- Shoppers who want to earn Membership Rewards points on eligible purchases
- People who prefer flexible points instead of direct cashback
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| Reward rate | - 1 Membership Rewards point per €1 spent on eligible purchases
- Points can be redeemed for travel, shopping, gift cards, statement credit, and partner rewards
- Additional partner offers and promotions may provide extra value
| - 1 Membership Rewards point per €1 spent on eligible purchases
- Points can be redeemed for travel, shopping, gift cards, statement credit, and partner rewards
- Additional American Express offers may provide extra value
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| Cashback | - No direct fixed cashback rate
- Points can be redeemed for statement credit or rewards depending on redemption option
- Best value usually comes from Membership Rewards and partner redemptions
| - No direct fixed cashback rate
- Points can be redeemed for statement credit or rewards depending on redemption option
- Best value usually comes from Membership Rewards and partner redemptions
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| Lounge access | - No standard Included airport lounge access
- Travel benefits are mainly linked to rewards, assistance, insurance, and Amex offers
| - No standard Included airport lounge access
- Travel value is mainly through Membership Rewards, partner offers, assistance, and insurance benefits
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| Fuel surcharge waiver | Not available | Not available |
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| Welcome benefit | - First-year annual fee may be free for eligible new cardholders
- Welcome bonus points may be available during promotional periods
| - First-year annual fee may be free for eligible new cardholders
- Welcome bonus points may be available during promotional periods
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| Annual fee waiver condition | - First-year fee may be waived for eligible new cardholders
- No standard ongoing annual fee waiver
| - First-year fee may be waived for eligible new cardholders
- No standard ongoing annual fee waiver
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| Eligibility | - Applicant should be an adult resident eligible to apply in France
- Applicant should have a valid bank account accepted by American Express France
- Applicant should meet American Express income and credit assessment requirements
| - Applicant should be an adult resident eligible to apply in France
- Applicant should have a valid bank account accepted by American Express France
- Applicant should meet American Express income and credit assessment requirements
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| Apply link | Apply Now | Apply Now |
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