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Mercedes-Benz Credit Card review

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Leah Fallon
Last updated:  

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.

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.

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% fixed. You could also pay late and returned-payment fees as high as $38.

Compare other American Express credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Apply now
View details
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Apply now
View details
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
American Express® Gold Card
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
See Pay Over Time APR
$250
Apply now
View details

Rose Gold is back

 Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
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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 670 or higher. The average approved credit score is 715.

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
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Review by

Leah Fallon is an editor with more than 10 years of teaching under her belt. She's written feature pieces for regional print and digital media. When she's not helping people with their finances, you can find her wrangling her two sprightly girls or running the trails of Virginia.

Expert review

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.

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