American Express — Carta PAYBACK vs Webank Cartimpronta
For spending abroad FX markup matters, and Webank Cartimpronta does better (1.5% vs 2.5%). Neither wins across the board: weigh the points above against your use case before choosing between American Express — Carta PAYBACK and Webank Cartimpronta.
| American Express — Carta PAYBACK | Webank Cartimpronta | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.4 | ★ 3.7 |
| Network | American Express | Visa / Mastercard |
| Card type | Revolving credit | Charge |
| Backing | Unsecured | Unsecured |
| APR | 16.37% (variable) | Charge (pay in full) |
| Credit limit | €10,000 | €7,800 |
| Issuing bank | American Express | Banco BPM (Webank) |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| ATM withdrawal | 3.9% | not declared |
| FX markup | 2.5% | 1.5% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Circuito globale American Express · carta di credito gratuita a punti PAYBACK | Banca digitale italiana (gruppo Banco BPM) · carta di credito a canone zero |
| Regulator | Banca d'Italia (vigilanza istituti di pagamento) | Banca d'Italia (vigilanza bancaria) / BCE |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Istituto di pagamento / emittente carte (American Express) | Banca (Banco BPM S.p.A. — marchio Webank, vigilanza Banca d'Italia / BCE) |
Frequently asked questions
American Express — Carta PAYBACK vs Webank Cartimpronta: which is better?
For spending abroad FX markup matters, and Webank Cartimpronta does better (1.5% vs 2.5%). Neither wins across the board: weigh the points above against your use case before choosing between American Express — Carta PAYBACK and Webank Cartimpronta.
Is American Express — Carta PAYBACK custodial or self-custody?
American Express — Carta PAYBACK is self-custody: you keep the keys, while Webank Cartimpronta is self-custody.
Which is better for spending abroad?
For foreign-currency spending Webank Cartimpronta wins, with the lowest FX markup: 1.5%.