Is the Mercedes-Benz Card from American Express worth it? | finder.com

Mercedes-Benz Credit Card review

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Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.

Compare other American Express credit cards

Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Earn 15,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
$0
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
$95
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
$95
14.74% to 25.74% variable
0% for the first 12 months (then 14.74% to 25.74% variable)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
$0
25.74% variable
Earn rewards with no annual fee.
$0 annual fee for the first year ($195 thereafter)
None (Charge Card)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
$0
17.49% to 26.49% variable
Earn 100,000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
$0 annual fee for the first year ($95 thereafter)
17.49% to 26.49% variable
35,000 bonus miles after you use your new Card to make $1,000 in purchases within the first 3 months
$450
17.49%, 21.49% or 26.49% variable
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
$195
17.49% to 26.49% variable
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
$0 annual fee for the first year ($95 thereafter)
None (Charge Card)
Shop with more confidence
$0 annual fee for the first year ($95 thereafter)
17.49% to 26.49% variable
Enjoy a $0 annual fee on first year and earn up to 2 Starpoints® for every dollar of eligible purchases.

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The basics

Do you see yourself driving a Mercedes-Benz someday? The car company and American Express have partnered up to offer a credit card designed with you in mind.

This card offers premium rewards that could expand your current ownership experience or help you acquire a new Mercedes.

Unlike other cobranded cards, the Mercedes-Benz card’s points can also be used toward travel and shopping.

The perks

This is a premier card for Mercedes Benz enthusiasts who still want all the standard benefits that come with Amex. In addition to generous Mercedes-themed rebates, you can enjoy a welcome bonus, a point rebate system and the perks of premium membership.

  • 0% intro APR for 6 months. After the intro period, the APR reverts to a variable rate (currently 16.49%).
  • Many perks for the Mercedes-Benz enthusiast. This includes 5x Membership Rewards points on eligible Mercedes-Benz purchases, a $500 annual certificate toward a new Mercedes-Benz and up to 1,000 miles waived at the end of your lease through Mercedes-Benz Financial Services.

You’ll also like …

  • $50 certificate at card renewal, good toward Mercedes-Benz accessories.
  • 3x points for gas purchases.
  • x points at restaurants.
  • Return protection, roadside assistance hotline and express shipping through third parties.

What to watch out for

Take care with American Express’ aggressive credit offerings. While the card is a good deal if used responsibly, it comes with severe penalties and interest rates for late or returned payments.

  • Annual fee. You’ll pay $95 a year to use this card.
  • It hurts to pay late. Making late or returned payments could saddle you with a penalty APR as high as 29.99% variable. You could also pay late and returned-payment fees as high as $38.

What should I know before I apply?

To apply for the Mercedes-Benz Credit Card by American Express, you must be:

  • At least 18 years old.
  • A legal resident of the US.

You’ll need to submit personal and financial information that includes:

  • Your full name and personal contact information.
  • Proof of stable employment.
  • Your date of birth and Social Security number.

What credit score do I need?

You’ll have a better chance of being approved for the Mercedes-Benz Credit Card by American Express if you apply with an excellent credit score of 740 or higher. The average approved credit score is 715.

How to apply for the card

1. Locate the Mercedes-Benz Credit Card on the American Express website and click Apply Now.

step 1 Mercedes-Benz Credit Card
2. Complete the application and click Continue.

step 2 Mercedes-Benz Credit Card
3. Agree to the terms by clicking Agree & Submit Application.

step 3 Mercedes-Benz Credit Card

How long will it take to be approved?

Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds.

I got the card. Now what?

  • Making payments. Register your account with American Express to pay your balance online.
  • Setting up automatic payments. Never miss another payment again by enrolling in autopay.
  • Avoiding interest payments. At the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service. According to J.D. Power, cardholders give American Express high marks in customer service. Contact them my using the online chat or call at

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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