14 thousand points + 4 good reasons to take American Express Payback

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The difference between Payback point collection and all other loyalty programs is that Payback cardholder can concentrate the points he or she collects from daily spending at different stores into one card. This then allows for greater benefits to be gained in the use of the points collected.

Having a unified rewards catalog allows you to take advantage of all the points you have accumulated by shopping for groceries, gasoline, online shopping and many other activities, turning them into a single reward.

Who are the main partners of the PB point collection

There are both physical and virtual partners, with the former also issuing physical cards, although everything is now done through the app. Having more cards, however, allows you to be able to accumulate many more points by taking advantage of the frequent bonuses, coupons and other personalized offers that are made available to members.

The main signs are: Carrefour, Esso, American Express, Mondadori Store, Maxi Zoo, BNL, Bricofer and many other online partners such as Ebay, Groupon, Booking, the full list can be found here

Warning. It is not necessarily the case that a partner allows you to accumulate points both online and in the physical store. For example, the clothing chain H&M only allows you to earn points through online purchases, not in the stores.

In this article I summarize the four reasons why it is a great idea to have the paperAmerican Express Payback In one's portfolio.

#1 A free credit card forever

Simply make one transaction of any amount every 12 months to be eligible for the annual fee discount each year. Having a credit card is essential for many daily activities, even if you do not intend to use it, Being able to have it for free and linked to any bank account regardless of your bank, Is a major advantage.

For example, it is necessary to have a credit card to be associated with a hotel reservation on Booking and the other online portals, just as it is required to rent a car. Sometimes, depending on the service you are booking, you need to have two credit cards, and having an American Express is always a guarantee.

#2 Double PB points when using the card at participating stores

We have already explained that paying for your purchases with Payback American Express card. you accumulate 1 Payback point for every 2 euros spent even at businesses that are not program partners.

As a Payback subscriber, when you purchase from program partners, you accumulate points 2 times thanks to the barcode and loyalty card number, found on the back of the card.

For example, when you make a purchase at program partners (including online partners), paying with Payback American Express card, in addition to accumulating 1 PB point for every 2 euros spent, you accumulate additional Payback points, according to the individual partner's accumulation rules. The points accumulated with Payback American Express card are all automatically credited to the Payback account indicated in the card application form.

#3 Thousands of bonus points

One of the best aspects of this point collection is that, in addition to being able to own multiple cards, you can link multiple cards together as if it were a "family plan," this allows you to add up all the points you collect and convert them in one shot.

This possibility, combined with the many coupons that allow you to multiply your points, makes it possible to accumulate thousands and thousands of points with small daily expenditures.

#4 How not to waste Payback points.

There is of course, as in all point collections, a catalog of awards. It will then be possible to convert the points into a set of cookware, an electric shaver and more. Needless to say, as mentioned at the Coop points collection, this type of conversion only makes the manager happy and not the customer.

Alternatively, points can be used to discount spending in partners, with the following conversion rates:

• At Carrefour, Maxi zoo, Bricofer and 101 Coffee, you can transform 1,000 points in 5€ off
• From Mondadori Store 1,200 points become €5 off
• If you book a flight or hotel on American Express travel, you can convert 1,000 points into 4€ (here is an example of using it to discount the 5* hotel)
• For gasoline at Esso, you need 960 points to get a 4€ off coupon

Finally Payback has always been a partner of Alitalia, now it will have to be seen what will happen to the new company and whether it will continue this relationship that allowed PB points to be transformed into Alitalia Millemiglia points.

# The offer of the moment: 14 thousand bonus points

The card works both as a traditional card and via smartphone, offers purchase and fraud protection, and, thanks to a partnership between American Express and Live Nation, provides access to exclusive presales for top concert tickets.

If you apply for the card by Sept. 19, you will receive an extra bonus by 14,000 Payback Points to be used immediately or to be accumulated for a bigger prize. Points can be immediately redeemed for €70 at one of the many establishments participating in the PB points collection.

• Payback

Some of the offers included in this article may have expired, to find out what offers are active right now click here