Miles & More Kreditkarte Review 2026 – Lohnt sich die Lufthansa Meilenkarte wirklich?

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Miles & More Credit Card Review 2026 – Is the Lufthansa Miles Card really worth it?

(Ultimate expert test for Germany – bonus, advantages, disadvantages & comparison)

✈️ Introduction: Why is the Miles & More credit card so popular?

The Miles & More credit card is one of the best-known frequent flyer credit cards in Germany. It is one of the most attractive options, especially for Lufthansa customers, business travelers, and frequent flyer collectors.

But is the card really worth it in 2026?
How high is the welcome bonus?
And are there better alternatives with lower fees?

In this detailed review, we analyze:

✅ Bonus & Mileage Rate
✅ Annual fee & services
✅ Insurance
✅ Overseas assignment
✅ Comparison with 5 alternatives
✅ FAQ (10+ questions)

💳 What is the Miles & More credit card?

The Miles & More credit card is a co-branded credit card from Lufthansa in cooperation with DKB.

With every payment you collect:

1 reward mile per 2 euros spent (standard rate)

The benefits vary depending on the card type (Blue or Gold).

🟢 Miles & More Gold Credit Card – Overview

Annual fee: approx. €138
Welcome bonus: up to 10,000 miles
Mileage expiry: No expiry with active card
Travel insurance: Included
Status benefits: Partial

Advantages

Travel cancellation insurance
International health insurance
No mileage expiry
Priority check-in benefits
Lufthansa & Star Alliance Integration

Disadvantages

Relatively high annual fee
Foreign currency fee (approx. 1.95%)
Mileage value fluctuates

🔵 Miles & More Credit Card Blue – Overview

Annual fee: approx. €66
Welcome bonus: up to 4,000 miles

Ideal for beginners in the mileage system.

📊 Comparison: 5 alternatives to the Miles & More credit card

Map	Annual fee	Miles/Bonus	Abroad	Insurance	Recommendation
Miles & More Gold	138 €	10,000	1.95%	Very good	Frequent flyer
Miles & More Blue	66 €	4,000	1.95%	base	Occasional flyer
American Express Gold	€144	15,000 MR	2%	Very good	Flexible points
Barclays Visa	€0	No bonus	0%	Medium	travelers
DKB Visa	€0	No bonus	0% (active)	Good	budget

💡 When is the Miles & More credit card really worth it?

It is particularly worthwhile if:

You fly at least 2-3 times per year
You specifically want business class upgrades
You prefer Lufthansa
You collect miles strategically

💰 How much are Miles & More miles worth?

Average value:

1 mile ≈ 0.8 – 1.5 cents

Example:
10,000 miles ≈ €80 – €150 equivalent

You will achieve the highest return with:

Business Class Upgrades
long-haul flights
Flexible reward flights

🔥 SEO-optimized benefits

Best Lufthansa credit card 2026
Secure your Miles & More bonus
Earn miles Credit card comparison
Credit card with flight miles Germany
Lufthansa Miles Upgrade Tips
Miles & More Experiences 2026

🛡️ Insurance in detail (Gold)

Contain:

Trip cancellation
Trip cancellation
foreign health
Rental car comprehensive insurance
Baggage insurance

A great package for business travelers.

📉 Disadvantages honestly assessed

High annual fee
Miles are not unlimitedly flexible
Not ideal for non-pilots
No 0% foreign currency

📍 For whom is the card NOT suitable?

Cashback fans
People without air travel
Users focusing on €0 cards
People with SCHUFA problems

🏆 Expert Conclusion 2026

The Miles & More credit card is one of the best credit cards for frequent flyers in Germany.

For everyday users without any flying ambitions, there are better alternatives with a €0 annual fee.

Those who strategically collect miles can generate several hundred euros in flight value annually.

Alternative: Kostenlose Kreditkarten ohne Jahresgebühr

Nicht jeder benötigt eine Premium-Kreditkarte.
Wenn du hauptsächlich eine kostenlose Kreditkarte ohne Jahresgebühr suchst, kannst du auch diese Vergleichsartikel lesen:
👉 Beste kostenlose Kreditkarte 2026 – Top 7 im Vergleich
https://moneyrobot12.blogspot.com/2026/03/beste-kostenlose-kreditkarte-2026-top-7.html
👉 Reisekreditkarte Vergleich 2026
https://moneyrobot12.blogspot.com/2026/02/reisekreditkarte-vergleich-2026-die.html
👉 Kreditkarte ohne Jahresgebühr Deutschland
https://moneyrobot12.blogspot.com/2026/02/kreditkarte-ohne-jahresgebuhr-in.html

❓ FAQ – Frequently Asked Questions

1. How much is the Miles & More welcome bonus?

Up to 10,000 miles, depending on the promotion and card type.

2. Do Miles & More miles expire?

Yes, after 36 months – except with an active credit card.

3. Is the Gold or Blue version better?

Gold for frequent flyers, Blue for beginners.

4. Is a SCHUFA credit check performed?

Yes, a standard credit check will be carried out.

5. Can I test the card for free?

Special offers may be available in some cases.

6. Is the card worthwhile for students?

Only if flights are conducted regularly.

7. How does collecting miles work?

Automatically per sale.

8. Are there any partner programs?

Yes, hotels, rental cars, online shops.

9. Is the card free abroad?

No, foreign currency fee approx. 1.95%.

10. How do I cancel the card?

In writing to DKB.

11. Is there cashback?

No, the focus is on miles.

12. Is the map recommended for 2026?

For Lufthansa fans, definitely yes.

🔗 Backlink

Recommended for ranking purposes:

Internal links:
- Credit card with no annual fee
- Best travel credit cards
- American Express comparison
External authority links:
- Lufthansa.com
- Miles-and-more.com
- Bundesbank.de
- Verbraucherzentrale.de
- Latest update

Affiliate Disclosure:
As an Amazon Associate, I earn from qualifying purchases. The recommendations on this page are editorially selected and may contain affiliate links. If you make a purchase through one of these links, I receive a commission – this does not incur any additional costs for you.
Disclaimer:
Please note: All information is provided without guarantee. Terms and conditions, interest rates, and bonus offers are subject to change at any time. Please check the official information with the respective provider before concluding any agreement.
Transparency Notice: This website contains affiliate links. As an Amazon Associate, I earn from qualifying purchases. The selection of products and providers is independent and based on editorial criteria such as fee structure, terms and conditions, and user-friendliness. Compensation has no influence on the rating or ranking. Important Note: All information is for general informational purposes only and does not constitute financial advice. Despite careful research, we assume no liability for the timeliness, accuracy, or completeness of the information. Terms and offers are subject to change at any time. Only the official information provided by the respective provider is authoritative.

Über den Autor

Nishant Thaker ist unabhängiger Blogger und recherchiert seit mehreren Jahren zu den Themen Kreditkarten, Finanzen, Banking-Lösungen und digitale Zahlungsmethoden in Deutschland.
Er analysiert regelmäßig:
Kreditkarten Angebote
Gebührenstrukturen
Bonusprogramme
Reisekreditkarten
Vergleichsportale
Alle Inhalte auf dieser Website dienen ausschließlich zu Informationszwecken und stellen keine Finanzberatung dar.
Kontakt:
nishantthakar1955@gmail.com

Transparenzhinweis

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