Miles & More Gold Credit Card
The Miles & More Gold Credit Card is the go-to card for Lufthansa Group flyers in Germany, earning award miles on every purchase plus mileage and travel insurance perks.
Why it ranks
- Best card for collecting Lufthansa Group miles
- Useful travel insurance included
- Miles stay valid as long as you hold the card
What holds it back
- Annual fee applies from year one
- Mileage value is best only for flight redemptions
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Miles & More Gold Credit Card is the go-to card for Lufthansa Group flyers in Germany, earning award miles on every purchase plus mileage and travel insurance perks.
Miles & More Gold Credit Card at a glance
| Issuer | Miles & More (Lufthansa) |
| Card network | Mastercard |
| Annual fee | €110 |
| Welcome bonus | Generous sign-up mileage bonus after first spend |
| Rewards rate | Up to 1 mile per euro spent |
| Intro APR | Not applicable |
| Regular APR | Approx. 18.66% p.a. on revolving balances |
| Foreign transaction fee | Varies; check current terms |
| Credit needed | Positive SCHUFA, regular income |
| Best for | Lufthansa, SWISS and Austrian frequent flyers |
| Airport lounge access | No |
Rewards & benefits
- Earn award miles on every euro of spending
- Annual mileage bonus to keep your miles active
- Travel insurance package for trips abroad
- Miles never expire while the card is active
Eligibility & who it suits
- Resident in Germany with a registered address
- Positive SCHUFA credit standing
- Regular, verifiable income
- Miles & More membership (free to join)
How to apply
Check current rates on Miles & More (Lufthansa)’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Germany cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | M&Miles & More (Lufthansa)Miles & More Gold€110/yr · DE Miles & More Gold Credit CardLufthansa, SWISS and Austrian frequent flyers |
€110/yr | Up to 1 mile per euro spent | Generous sign-up mileage bonus after first spend | Varies; check current term… | Positive SCHUFA, regular income | |
| 2 | DKDeutsche Kreditbank (DKB)DKB Visa DebitkarteNo annual fee · DE DKB Visa DebitkarteTravellers with DKB active status who want a free German card with no FX fees |
None | No cashback or points (pure no-fee value) | No standing welcome bonus | 0% with DKB active status… | Positive SCHUFA, regular income | |
| 3 | AEAmerican Express GermanyPlatinum€720/yr · DE American Express Platinum CardAffluent travellers who maximise premium perks |
€720/yr | 1 Membership Rewards point per euro spent | Up to tens of thousands of Membership Rewards points after s… | 2% on foreign currency pur… | Excellent SCHUFA, high regular i… | |
| 4 | HHanseatic BankGenialCardNo annual fee · DE Hanseatic Bank GenialCardCost-conscious users wanting a free travel-friendly Visa |
None | No points; flexible repayment | Frequently runs a new-customer cash bonus | 0% on purchases worldwide | Positive SCHUFA, regular income |
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