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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Lufthansa Miles & More® World Elite Mastercard® Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
3.2
Miles & More® World Elite Mastercard®
Sign-up bonus
Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
Rewards
Earn 2 award miles per $1 spent on Miles & More ticket purchases and 1 award mile per $1 spent on all other purchases.
Companion ticket
Get a companion ticket each year after your account anniversary
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

The Miles & More® World Elite Mastercard® is an airline credit card offering unique Europe-focused travel benefits — which will be most useful to frequent Lufthansa fliers.

Is the Miles & More® World Elite Mastercard® worth it?

For travelers who frequently fly Lufthansa and its partner airlines, this card can definitely be worth it; for those who don’t regularly fly Lufthansa or travel within Europe, other airline and travel rewards cards may be better suited. This card lets you redeem your miles for flights and upgrades on Lufthansa and its partner airlines, so while this can provide great value as a supplemental card for traveling to Europe, U.S. travelers may not find much use for it.

If you think you can make decent use of the Lufthansa credit card, however, it comes with a pretty sizable sign-up bonus: You can earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days. Despite its relatively low earning rate, cardholders can enjoy perks like an annual companion ticket after each account anniversary, two complimentary Lufthansa Business Lounge vouchers annually and a low intro APR on balance transfers.

Who is the Miles & More® World Elite Mastercard® best for?

Lufthansa’s U.S.-branded credit card issued through Barclays, the Miles & More® World Elite Mastercard® is best for travelers that either fly often with Lufthansa or its partners, or have a trip to Europe they’re planning and could benefit from the perks. Because most of Lufthansa’s flights and partner airlines are focused in Europe, this card makes the most sense for someone who regularly travels to Europe.

Quick facts

    • Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days. 
    • Earn 2 award miles per $1 spent on Miles & More ticket purchases and 1 award mile per $1 spent on all other purchases. 
    • 0% introductory APR on balance transfers for the first 15 billing cycles following account opening, then variable APR of 21.24% to 29.99% for purchases, based on creditworthiness. 
    • $89 annual fee 
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • N/A
  • Sign-up bonus: Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
  • Earning rate: Earn 2 award miles per $1 spent on Miles & More ticket purchases and 1 award mile per $1 spent on all other purchases.
  • Annual fee: $89
  • Low intro APR on balance transfers: Introductory APR 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, a variable APR will apply, currently 21.24% - 29.99% (variable)
  • Foreign transaction fees: 0% of each transaction in U.S. dollars
  • Annual companion ticket after each account anniversary
  • Two complimentary Lufthansa Business Lounge vouchers annually

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99% (variable)

Intro BT APR

0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Regular BT APR

21.24% - 29.99% (variable)

Annual Fee

$89

Cash Advance Fee

Either $10 or 5% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee

0% of each transaction in U.S. dollars

Balance Transfer Fee

The balance transfer fee is either $5 or 5% of the amount of each transfer, whichever is greater.

Pros and cons

  • Nice for frequent Lufthansa business flyers
  • 0% of each transaction in U.S. dollars foreign transaction fees
  • High sign-up bonus
  • Low intro APR on balance transfers
  • Annual companion ticket
  • Two annual Lufthansa Business Lounge vouchers
  • $89 annual fee
  • Average earning rate
  • Only useful for travelers who frequently fly Lufthansa and its partners

Sign-up bonus

Miles & More® World Elite Mastercard® cardmembers can earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days. This sign-up bonus can be extremely valuable if you’re planning a trip to Europe and want to earn a significant amount of miles towards your flight.

Who’s eligible to earn this offer? This offer is available only to applicants who are residents of the United States, with the exception of the U.S. territories. Cardmembers must be at least 18 years old and must not have previously been Miles & More® World Elite Mastercard® cardmembers. If you are thought to have abused or misused the system in regards to your offer you will not be eligible.

Earning rate

The Miles & More® World Elite Mastercard® offers a subpar earning rate: Earn 2 award miles per $1 spent on Miles & More ticket purchases and 1 award mile per $1 spent on all other purchases.

If you’re looking to get the Miles & More® World Elite Mastercard® for the sole purpose of earning travel rewards, we think you’ll do better with other rewards credit card options. Other cards offer higher rewards rates in everyday spending categories, which can help you rack up miles for travel with more flexible redemption options.

Annual fee

The Miles & More® World Elite Mastercard® charges an $89 annual fee. While this is lower than what some other travel cards are charging, other no-annual-fee credit cards offer higher earning rates and comparable benefits. However, the Miles & More® World Elite Mastercard® does offer several top benefits that, if used, can make up for the annual fee.

Redeeming rewards

Miles earned with the Miles & More® World Elite Mastercard® can be used for flights and upgrades on Lufthansa and its partner airlines, including Austrian Airlines, Brussels Airlines, SWISS and other Star Alliance partners. For those who rarely fly Lufthansa or its partner airlines, though, these redemption options are very limiting.

  • Aegean Airlines
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • ANA
  • Asiana Airlines
  • Austrian Airlines
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EGYPTAIR
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • SWISS
  • TAP Air Portugal
  • Thai Airways International
  • Turkish Airlines
  • United

The Miles & More® World Elite Mastercard® gives cardholders the unique option to put their award miles towards earning Miles & More status with Lufthansa instead of redeeming them for flights or upgrades. Cardmembers can do this once per calendar year, and you have the option to convert 5,000 to 25,000 award miles.

However, this wouldn’t be your best choice for redemption as miles transfer at a 5:1 ratio — for example, 5,000 award miles convert to 1,000 status miles, so your points will be more valuable if redeemed for flights or upgrades.

Companion ticket

The Miles & More® World Elite Mastercard® offers cardholders an economy class companion ticket after every account anniversary. While this can be extremely lucrative, note that the companion ticket doesn’t include taxes and fees, which can end up being quite expensive.

Still, from a value perspective, the companion ticket is probably the most significant benefit of the Miles & More® World Elite Mastercard®. Unlike the sign-up bonus — which you only get once — the companion ticket is a perk that you’ll qualify for every year after you make your first purchase.

Lufthansa Business Lounge vouchers

Another of the Miles & More® World Elite Mastercard®‘s top perks are the two complimentary Lufthansa Business Lounge vouchers cardholders receive annually. Business lounge access starts at $25, so this can save you $50 annually. For travelers who appreciate lounge access, this can be a valuable perk.

Other benefits

No foreign transaction fees

As with most airline credit cards, the Miles & More® World Elite Mastercard® doesn’t charge foreign transaction fees. This is an essential feature of any travel card, as it’ll save you a fee of up to 3% of the transaction applied to all purchases made in a currency other than the U.S. dollar.

Low intro APR on balance transfers

The Miles & More® World Elite Mastercard® offers an introductory APR: 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, there will be a 21.24% - 29.99% (variable). This can be a nice benefit for consumers who are paying down debt but still want to enjoy the perks of a travel rewards card.

Drawbacks

  • $89 annual fee: While still relatively low, the Miles & More® World Elite Mastercard® still charges an annual fee of $89. You’ll want to make sure the benefits of this card outweigh the cost before you commit.
  • Below average earning rate: The earning rate on the Lufthansa Miles & More® World Elite Mastercard® is subpar compared to what other rewards credit cards offer. If your primary goal is to earn travel rewards, there are better cards available.
  • Only useful for travelers who frequently fly Lufthansa and its partners: The benefits of the Miles & More® World Elite Mastercard® are really only useful if you consistently fly with Lufthansa or its partner airlines. If you don’t, you may not get much value from this card.

Miles & More® World Elite Mastercard® vs. Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
N/A
21.49%-28.49% Variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
Verdict: A better choice for more flexible travel rewards.
The Chase Sapphire Preferred® Card is one of the top travel rewards cards on the market, and for good reason. Cardholders can enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Plus, your points are 25% more valuable when you redeem them for travel through Chase TravelSM.

You can also earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. These features alone are much more valuable than what you’ll get with the Miles & More® World Elite Mastercard®, at an annual fee that’s only slightly higher ($95).

Miles & More® World Elite Mastercard® vs. Chase Freedom Unlimited®

| Disclosures
Chase Freedom Unlimited®
Chase Freedom Unlimited®
apply-now-icon Apply Now
on Chase's secure site
0% Intro APR on Purchases for 15 months
20.49% - 29.24% Variable
$0
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier r
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


 
Verdict: $0 annual fee card that lets you use rewards for cash back, travel or other redemption options.
If you’re looking for a credit card with even more flexibility, consider the Chase Freedom Unlimited®, which allows you to redeem your rewards for cash back, travel or other redemption methods.

This card comes with a $0 annual fee. Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. The earning categories with this card are much more varied and are more likely to benefit the average user than what’s offered by the Miles & More® World Elite Mastercard®.

Miles & More® World Elite Mastercard® vs. Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.99% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 
Verdict: A general travel rewards card that offers travel perks and flexibility.
Similar to the Chase Sapphire Preferred® Card, the Capital One Venture Rewards Credit Card offers consumers flexibility and top travel perks, all for a moderate $95 annual fee (see rates & fees).

Cardholders will earn 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels and rental cars booked through Capital One Travel and can earn unlimited 5X miles on hotels and rental cars booked through Capital One Travel. Plus, enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. Using a general travel rewards card like this one can end up being more beneficial long-term than sticking with a more limiting co-branded card like the Miles & More® World Elite Mastercard®.

Should you get the Miles & More® World Elite Mastercard®?

We would only recommend getting the Miles & More® World Elite Mastercard® if you frequently fly with Lufthansa and its partner airlines. If you don’t, there are plenty of other, more rewarding travel rewards cards available that may offer you greater value. Whether you choose a co-branded travel card or a general travel rewards card, you’ll need to make sure your travel and spending habits align with what’s offered by the card before making your decision.

Learn More
on Barclays's secure site

Frequently asked questions

Lufthansa miles can be worth it if you frequently fly Lufthansa or any of its partner airlines. Lufthansa is part of the Star Alliance, which also includes major airlines like Air Canada and United. However, Lufthansa and its partners are mostly based outside the U.S., so earning Lufthansa miles may only be worth it if you regularly travel abroad.

No, the Miles & More® World Elite Mastercard® charges an $89 annual fee.

You can redeem your miles by heading to Lufthansa’s website, logging in, searching for the flight you’d like to redeem your miles for, choosing the amount of miles you’d like to redeem and completing the transaction.

Yes — Lufthansa is part of the Star Alliance, as is United. This means that you can transfer your miles to United, or any other alliance member.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Miles & More® World Elite Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

The information related to the Miles & More® World Elite Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.