Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Miles & More Kreditkarte review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

The Miles & More Kreditkarte suits people who already collect airline miles and pay in euros: an annual fee of €0 and miles on every purchase. The trade-off is that rewards come in miles rather than cash, and the balance revolves like any credit card.

Key facts

Best for
A fee-free miles credit card for existing programme members in Germany.
Annual fee
€0↗
Rewards type
Miles↗
Rewards rate
1 mile per 2 EUR of card turnover↗
Perks
MilesPay: redeem miles where Mastercard is accepted, Flexible instalment repayment from 10% or at least 50 EUR, Transfer service: 1 mile per 1 EUR transferred, Credit card and service card in one, Avis rental car discount up to 15%, Add-on packages (Miles Plus) can be added↗
Card kind
Credit↗
Legal entity
Deutsche Bank AG↗
Headquarters
Germany↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
miles-and-more-kreditkarte.com

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • The annual fee is €0, so there is no charge for holding the card.
  • Card turnover earns 1 mile per 2 EUR of card turnover.
  • MilesPay redeems miles wherever Mastercard is accepted, as listed in MilesPay: redeem miles where Mastercard is accepted, Flexible instalment repayment from 10% or at least 50 EUR and Transfer service: 1 mile per 1 EUR transferred.
  • Support runs on email, phone and help centre, and the card doubles as a service card.

Cons

  • The rewards type is miles, not cash, so there is no rebate on everyday spending.
  • The card kind is credit, so an unpaid balance carries interest rather than sitting in a deposit.
  • Miles cards are a thin part of the field, at 3.1% of the cards compared on the site.
Miles & More Kreditkarte

Ready to try Miles & More Kreditkarte?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Members who already collect Miles & More miles and pay their bills in euros.
  • People who want the credit card and a service card in a single card, with the instalment option in MilesPay: redeem miles where Mastercard is accepted, Flexible instalment repayment from 10% or at least 50 EUR and Transfer service: 1 mile per 1 EUR transferred.
  • Cardholders who want support by email, phone and help centre from a bank issuer.

Who should look elsewhere

  • Varo Believe Secured Credit Card, with $0 in annual fees, suits readers after a secured card rather than a rewards one.
  • Wise, at £0 in annual fees, competes on cost alone, so it sits beside this card only if miles do not matter.
  • Starling Personal Account Debit Card, at £0 in annual fees, is a debit card, so anyone who would rather not carry a balance should weigh it there.

Safety of your money

The Miles & More programme is entered in the IHK Frankfurt am Main Versicherungsvermittlerregister under D-H0AV-L0HOD-14, which is the insurance intermediary entry for the German market. That register entry is the only permission detail listed, and it says nothing about protection for a card balance, so a reader weighing the safety of the balance should confirm that separately.

Who runs it

The card is issued by Deutsche Bank AG, based in Germany. Support runs on email, phone and help centre, so questions reach a person by phone or email as well as through the help centre. It also appears in the IHK Frankfurt am Main insurance intermediary register as D-H0AV-L0HOD-14, the legal detail to look for when you compare providers.

How Miles & More Kreditkarte compares

Where Miles & More Kreditkarte is available

Available
Germany
Licence in Germany
European Central Bank (EZB), checked September 26, 2026
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
IHK Frankfurt am Main (Versicherungsvermittlerregister) (D-H0AV-L0HOD-14), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Miles & More Kreditkarte cost to hold?+

The annual fee is €0, and the card is listed under a no annual fee model. Because it is a credit card, interest applies to whatever balance you do not clear, so the running cost turns on your repayments rather than on a fixed charge.

How are miles earned on this card?+

Card turnover earns 1 mile per 2 EUR of card turnover, and the rewards type is miles rather than cash. The transfer service credits further miles when you move euros to another account, so members who shift money between accounts can collect more.

Where can I spend the miles?+

MilesPay, listed among the perks under MilesPay: redeem miles where Mastercard is accepted, Flexible instalment repayment from 10% or at least 50 EUR and Transfer service: 1 mile per 1 EUR transferred, redeems miles wherever Mastercard is accepted, and the credit card and service card are combined in a single card. A balance earned on everyday spending can then be used at the till rather than only for flights.

Is this a debit card or a credit card?+

The card kind is credit, so the balance revolves and anything you do not clear attracts interest from the issuing bank. It suits people who pay the balance off each month, and MilesPay: redeem miles where Mastercard is accepted, Flexible instalment repayment from 10% or at least 50 EUR and Transfer service: 1 mile per 1 EUR transferred lists flexible instalment repayment for larger purchases.

Who issues the card?+

The issuing entity is Deutsche Bank AG, headquartered in Germany. That means the balance is a credit relationship with a bank rather than with a payments platform, and the issuer is the party that sets the terms on anything you borrow.

How do I get help?+

Support runs on email, phone and help centre, so you can call, email or work through the help centre. Those are the channels listed for the card, and they cover a billing question or a rewards query without needing a branch visit.

What protection is listed for the money?+

The listed permission is the IHK Frankfurt am Main insurance intermediary entry under D-H0AV-L0HOD-14. Nothing listed describes protection for a card balance, and since the card is a credit product, any balance you carry is a debt to the bank rather than money in a deposit.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Miles & More Kreditkarte

Miles & More Kreditkarte

A fee-free miles credit card for existing programme members in Germany.

9.2/10See alternatives