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

Miles & More Kreditkarte suits frequent flyers who collect Miles & More miles and want a credit card that is cheap to run. The annual fee is €0, card turnover earns 1 mile per 2 EUR of card turnover, and monthly payments keep a cleared balance easy to settle.

Key facts

Best for
A free-to-hold credit card paying Miles & More miles at 1 mile per 2 EUR of card turnover on card turnover.
Premium from
€0↗
Insurance types
Travel↗
Monthly payments
Yes↗
Claims channels
Phone, Email↗
Legal entity
Deutsche Bank AG↗
Headquarters
Germany↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Monthly
Official website
miles-and-more-kreditkarte.com

Credit cards

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↗
Features
Rewards

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Annual fee of €0, so the card costs nothing to hold.
  • Turnover earns 1 mile per 2 EUR of card turnover in miles.
  • Extras are bundled in 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, including a rental car discount, a transfer service and an add-on package.
  • travel insurance comes with the card, so the travel side needs no separate quote.
  • Support runs on phone, email and help centre, which covers phone, email and a help centre.

Cons

  • Rewards land as miles rather than cash back: cash back covers 45.9% of the cards on the site against 3.1% for miles, so this card suits a collector rather than a cash back shopper.
  • Claims run on phone and email only, which is phone and email, so a disputed transaction is raised by phone or email.
  • Against Linxea, where the premium starts at €25 for a savings product, the reward here pays only if you fly.
  • The intermediary entry D-H0AV-L0HOD-14 is recorded for Germany, so a reader applying in another market checks a local register instead.
Miles & More Kreditkarte

Ready to try Miles & More Kreditkarte?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Members who already collect Miles & More miles and spend on travel, since 1 mile per 2 EUR of card turnover turns ordinary card turnover into more of them.
  • Anyone who wants a credit card to hold at an annual fee of €0 and run on a monthly rhythm.
  • Travellers who value extras, since 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 bundles a rental car discount, a transfer service and an add-on package.

Who should look elsewhere

  • Oney Préstamos ES suits readers who want to borrow a set sum, with a headline amount starting at €1,000, rather than collect miles on everyday spending.
  • Linxea suits savers, where the premium starts at €25 for a savings product rather than a spending card.
  • Euroasia Insurance, priced from UZS 60,000, fits readers shopping cover alone; the travel insurance here arrives with the card.

Safety of your money

Safety here turns on who stands behind the card, and the answer is on the register. The travel cover is underwritten by Allianz Partners, AWP P&C S.A., German branch in Aschheim, while the intermediary is entered in the Industrie- und Handelskammer Frankfurt am Main German insurance intermediary register under D-H0AV-L0HOD-14. Both entries are recorded for Germany, the market the card is written for. Readers who want to confirm the arrangement before applying have one identifier to quote and one register to search.

Price signals

The starting cost is €0 and monthly payments are available. That is the floor for holding an account of this kind on the site, and the monthly rhythm matters more than the headline: a balance cleared inside the month leaves nothing outstanding, while a balance carried over is the part that turns a cheap card into a cost. Judge the card on that split rather than on the entry price alone.

Regulation and registers

The intermediary is listed in the Industrie- und Handelskammer Frankfurt am Main German insurance intermediary register, the Vermittlerregister, as D-H0AV-L0HOD-14. Underwriting of the travel side sits with Allianz Partners, AWP P&C S.A., German branch in Aschheim. Both entries are recorded for Germany. A register entry of that kind is the first thing to look up, because it names the party that answers for the policy wording rather than the party that advertises the card.

Who runs it

The card is issued by Deutsche Bank AG, a bank headquartered in Germany. Support runs on phone, email and help centre, which covers phone, email and a help centre, so a statement question or a reward query has a route that needs no appointment. The intermediary entry sits under D-H0AV-L0HOD-14, which ties the travel arrangement to a named body in Germany. Between the issuer and the register entry, the counterparty is named in full.

How Miles & More Kreditkarte compares

Where Miles & More Kreditkarte is available

Available
Germany
Licence in Germany
Allianz Partners, AWP P&C S.A., German branch (Bahnhofstrasse 16, D - 85609 Aschheim), checked September 26, 2026
Licence in Germany
Industrie- und Handelskammer Frankfurt am Main (German insurance intermediary register, Vermittlerregister) (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 entry price is €0, so holding the card adds nothing to a monthly budget and there is no joining charge to get past. What the free part covers is the holding. A balance that stays outstanding after the month ends is the part that turns a cheap card into a cost.

How do I earn miles on the card?+

Card turnover earns 1 mile per 2 EUR of card turnover and the reward currency is miles, so ordinary spending grows the balance in miles rather than cash. The transfer service 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 also turns money moved across into miles, which is the quickest way to top the balance up between trips rather than waiting on card turnover.

Can I pay the balance off in monthly instalments?+

Monthly payments are available and the repayment model is monthly, so a balance can be cleared inside the month without any setup. When a large balance has to wait instead, 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 sets out a flexible instalment option. The monthly rhythm is the default, and the instalment route is there for the months where timing does not work.

Who issues the card and where is it based?+

The card is issued by Deutsche Bank AG, a bank headquartered in Germany. The balance you owe therefore sits with a bank rather than with a savings wrapper, which makes this a spending instrument rather than a place to hold spare cash. Support on the account is run by the same bank, so a query on a statement or a reward goes to one counterparty.

Is the card regulated and who underwrites the insurance?+

The intermediary sits in the Industrie- und Handelskammer Frankfurt am Main German insurance intermediary register under D-H0AV-L0HOD-14, and that identifier is the entry to quote. The travel cover is underwritten by Allianz Partners, AWP P&C S.A., German branch in Aschheim, with that entry also recorded for Germany.

What extras come with the card?+

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 sets out the bundle: MilesPay redemption, a flexible instalment option, a transfer service that turns moved money into miles, a rental car discount with Avis, and an add-on package you can take later. The travel insurance offer sits with the card itself, so the travel cover reads as part of the account rather than a standalone policy.

How do I raise a disputed transaction?+

Claims run on phone and email, which is phone and email, so a dispute is raised by one of those two routes. Broader support runs on phone, email and help centre, adding a help centre for account questions that are not claims. Have the transaction date and the card details to hand before you make contact, since both claim routes are treated as formal claims.

Is the card only for German residents?+

The issuer is based in Germany and the intermediary entry, D-H0AV-L0HOD-14, is recorded for Germany as well. The reward is a miles programme rather than a local loyalty scheme, so the card is written for people whose spending follows their flights. Readers applying from another market should check their own register before signing up.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Provider type.

Miles & More Kreditkarte

Miles & More Kreditkarte

A free-to-hold credit card paying Miles & More miles at 1 mile per 2 EUR of card turnover on card turnover.

9.1/10See alternatives