British Airways American Express Credit Card vs Hanseatic Bank GenialCard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
British Airways American Express Credit Card wins 3-1. Collecting Avios on everyday spend with no annual fee. Hanseatic Bank GenialCard is still the right call if paying abroad from germany with no annual fee and no foreign currency fee..
Side-by-side
| Criterion | British Airways American Express Credit Card | Hanseatic Bank GenialCard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 1% (general) | · 0% (general) |
| Base reward rate | 1% | · 0% |
| Forex markup | = N/A | = No FX fee |
| Welcome bonus | 5,000 Avios after £2,000 spend in three months | · N/A |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = £15,000 | = Not verified |
| Min credit score | = N/A | = N/A |
| Editorial rating | · 4.2/5 | 4.4/5 |
Benefits compared
British Airways American Express Credit Card
- 1 Avios for every £1 spent on purchases
- No annual fee
- Travel accident cover up to £75,000 on public transport bought with the card
Hanseatic Bank GenialCard
- No annual fee, permanently
- No foreign currency fee when paying worldwide
- Cash withdrawals abroad free of bank fees (ATM operators may charge their own)
- No rewards: it is a no-fee travel card, not a points card
FAQ
›British Airways American Express Credit Card vs Hanseatic Bank GenialCard: which is better?
British Airways American Express Credit Card wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use British Airways American Express Credit Card for its best categories, Hanseatic Bank GenialCard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
British Airways American Express Credit Card: 5,000 Avios after £2,000 spend in three months. Hanseatic Bank GenialCard doesn't list a welcome bonus.