45.000 Membership Reward Points (49.500 MRP with activated turbo) with American Express Gold Card (minimum turnover 3.000€ in 6 months). Countervalue significantly greater than annual fee: 144€ yearly fee minimum exchange value 225€ for online stores Value way higher for other things! Convert to airline miles allows to fly business class for free just with the bonus MRP. There your exchange value is four-digit.