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Lufthansa Miles & More World Elite Mastercard Review

overall rating

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The Lufthansa Miles & More World Elite Mastercard is a travel rewards card that allows you to earn rewards with Lufthansa and some smaller European airlines. It has an $89 annual fee but offers a complimentary annual companion certificate, as well as generous one-time offer features.

Lufthansa Miles & More® World Elite Mastercard®

Overall Rating
Lufthansa Miles & More® World Elite Mastercard®
On Barclaycard's Secured Site.
Current Offer

Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 29.24% variable
Annual Fee $89
Rewards Earning Rate Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners. Plus, earn 1 award mile per $1 spent on all other purchases.
INTRO BALANCE TRANSFER APR 0% for 15 Billing Cycle
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Low Fees
Security/Customer Experience
Low Interest
worst best

The Lufthansa Miles & More World Elite Mastercard is not one of our top-rated airline credit cards. You can review our list of the airline credit cards for what we think are better options.

Full Review of Lufthansa Miles & More World Elite Mastercard

  • Strong one-time offer

  • Companion ticket on card anniversary

  • 0% APR balance-transfer offer

  • $89 annual fee

Pros Explained

  • Strong One-Time Offer: With this card, you can 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days. With those miles worth 2.16 cents each, by our valuation, the bonus is valued at about $1,728 when redeemed for airline tickets on Lufthansa or its Miles & More partners.
  • Companion Ticket on Card Anniversary: You get a complimentary economy class ticket for a companion on every card anniversary after that. You must, however, pay the taxes and fees on these complimentary tickets, which can be steep. Also, the accompanying cardholder must purchase their ticket, rather than using miles to redeem.
  • 0% Balance Transfer Offer: The card comes with an option to pay 0% APR for 15 billing cycles on balances transferred to the card. This is a relatively strong offer, even if purchases are not also eligible for the rate, as with some cards, and you must pay the customary transfer fee of $5 or 5% of the balance, whichever is greater.

Cons Explained

  • $89 Annual Fee: This card offers fairly generous bonuses, and this fee is lower than some other travel credit cards. Still, its rewards are adequate at best, especially when it comes to purchases other than those on Lufthansa and its partners. This card may not be ideal for you if you travel only occasionally, or simply prefer not to pay an annual fee. 

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for Frequent Diner Persona
    Dines out regularly while traveling or in home city
    Frequent Diner
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler

The Lufthansa Miles & More World Elite Mastercard is best suited to travelers who want to earn rewards and bonuses on Lufthansa and its eight Miles & More airline partners, and who otherwise plan to use the card sparingly. That’s because purchases from Miles & More carriers earn two points per dollar spent, and all other purchases earn just a single point. In contrast to some other airline cards, then, the Lufthansa Miles & More World Elite Mastercard has no other bonus rewards categories, such as spending on other travel, gas, or groceries.

For travelers who are carrying a sizable balance on another card, the 0% APR offer provides another incentive to apply for the Lufthansa Miles & More World Elite Mastercard. Even after accounting for the transfer fee, you could easily save hundreds of dollars in interest if you transferred a four-figure balance to the card—and paid it off by the time the 0% APR 15-month period expired. 

Miles & More World Elite Mastercard One-Time Offer

This one-time offer for the Lufthansa Miles & More World Elite Mastercard is 50,000 award miles. To qualify for it, you need to spend $3,000 in purchases and pay the annual fee, both within the first 90 days.

According to our valuation, miles earned with this card are worth an estimated 2.16 cents apiece when used for flights. So the bonus could be worth a generous $1,728 in tickets on Lufthansa or its eight partners. 

Rewards Earning Details

Here's a closer look at how the rewards program works for this card, including how many miles you can earn and where. 

When you purchase tickets directly with the card’s nine Lufthansa Miles & More airline partners, you earn two miles per dollar. Those miles are unlimited, so the more you spend each year the more award miles you can earn. 

Here are some the current Lufthansa Miles & More travel alliance airlines with which you can earn 2 miles per dollar spent for purchases on the card: 

  • Air Dolomiti
  • Austrian Airlines
  • Brussels Airlines
  • Croatia Airlines
  • Eurowings
  • LOT Polish Airlines
  • Lufthansa
  • Luxair
  • Swiss International Airlines
  • And many more

You can also earn one mile per dollar on all other purchases, regardless of the category or merchant. These miles are also unlimited. 

Rewards Redemption Details

Miles earned with this card can be redeemed for award flights and upgrades with the integrated Lufthansa Miles & More airline travel partners listed above. That includes regular award travel and special award flights. 

We value miles earned with this card at 2.16 cents each when used for flights. As examples of the cost of award flights, an economy flight between European destinations starts at 35,000 miles. But you'd need a minimum of 50,000 miles to book an economy ticket between Europe and North America.

At the higher end of the spectrum a First-Class Round the World fare could require as many as 500,000 miles. You may also use miles for hotels and rental cars, although offers seem to be focused on Europe and the few disclosed rates are high—like Porsche rentals in Germany “starting at 83,000 miles per day.” You can also buy gift cards from such retailers as Starbucks, Barnes & Noble, and The Gap, but as with most credit cards, these appear to offer a poor redemption value—with miles worth only about a third of a cent each.

Lufthansa Miles & More offers a miles calculator you can use to determine how many miles you'll need to book an award flight. 

You also have the option to convert award miles earned by flying (not from bonuses) to status miles at a 5 to 1 ratio, to a maximum of 25,000 award miles per year. This option could allow a Miles & More flyer who falls 5,000 status miles short of earning the 35,000 of such miles required for Frequent Traveller status (the lowest elite tier) to trade in 25,000 award miles earned from flying to reach that status. That elite tier allows you to earn additional miles per dollar spent as well as other benefits.     

How to Maximize Your Rewards

Maximizing rewards with this card begins with ensuring you spend the $3,000 in the first 90 days that’s required to earn its one-time offer of 50,000 miles. After that, use the card for all purchases from Lufthansa and the many other carriers on which you earn the best rewards on this card. 

Here are two scenarios to give you an idea of how many miles you could earn with the Miles & More World Elite Mastercard, and what those rewards might be worth. 

Average Case

This assumes you’re a fairly frequent traveler on Lufthansa who, due to its modest rewards on all other purchases, uses the Lufthansa Miles & More World Elite Mastercard only to purchase flights. Your total spending is $5,000 a year, on which you'd earn 10,000 award miles (at the rate of 2 miles per dollar spent). At 2.16 cents each, these miles rewards could be worth $216 in travel value. 

Aspirational Case

Now, let’s instead assume you’re a road warrior who flies twice as much as our average traveler, again on Lufthansa, and uses the card for non-flight spending as well. You charge $10,000 in airline tickets per year, then, and also use the card for $10,000 in everyday purchases. That spending would earn you 30,000 rewards miles: 20,000 from receiving 2 miles per dollar spent on the Lufthansa flights and an additional 10,000 from the everyday spending, from receiving a mile per dollar spent on those purchases. With each mile worth an estimated 2.16 cent when used for awards flights, those rewards would be worth $648 (30,000 miles times $0.0216 per mile). You also meet the minimum spending requirement to qualify for the introductory bonus as a new cardmember. 

Neither scenario includes the card’s bonuses. The first year, you’d receive 50,000 bonus miles worth $1,080 in flights if you spend $3,000 in the first three months with the card. You’ll also earn a complimentary companion certificate each year on your card anniversary after paying the annual fee. That companion-pass benefit is easily worth hundreds of dollars. The same applies to the card’s two annual complimentary passes to Lufthansa Welcome Lounges, which are worth $35 each. 

Miles & More World Elite Mastercard’s Outstanding Benefits

  • Complimentary lounge access: Receive two complimentary Lufthansa Business Lounge access vouchers each anniversary year. 
  • Companion ticket: Receive a complimentary companion ticket each anniversary year (taxes and fees apply). 
  • Achieve status faster: Convert award miles to status miles at a 5 to 1 ratio, to a maximum of 25,000 award miles per year.
  • Hotel and rental car discount: Receive up to 15% off eligible hotel and rental car purchases made with your card. 

Standard Benefits

  • Chip technology
  • No foreign transaction fee
  • Account alerts

Cardholder Experience

The Lufthansa Miles & More World Elite Mastercard is issued by Barclays. Barclays ranked seventh out of 11 national card issuers and scored below average in the J.D. Power 2021 U.S. Credit Card Satisfaction Study.

If you need help with your card or have questions about your account, customer service is available 24 hours a day, seven days a week. You can get help by phone or manage your account online and through the Barclays mobile app. 

Security Features

This card has the standard security features you'd expect in a travel rewards card. That includes chip technology and the option to set up account alerts to monitor card activity.

Our Verdict

The Lufthansa Miles & More World Elite Mastercard is likely the best bet out there for charging flights on Lufthansa, and perhaps the card's other travel partners, too, which are mostly small European carriers along with a few large carriers from other regions. The card has an $89 annual fee, but that can be justified—and more—by the value of the complimentary annual companion ticket, which essentially allows you a buy-one/get-one-free option every year. The 50,000 points you receive by spending $3,000 in the first 90 days add value that can further justify carrying this card. That said, this card is a dubious value if you don’t often fly to Germany or some of the countries where Lufthansa’s other partners for this card are based, which include Austria, Croatia, Poland, and Belgium. You’d be better off choosing a domestic co-branded airline card that provides international destination options that potentially rival those of Lufthansa. Alternatively, you could choose a general travel card on which you might earn more on a range of purchase types, and have greater flexibility and value when it comes to redeeming those reward points for international travel.

Next Steps
For Lufthansa Miles & More® World Elite Mastercard®
on Barclaycard's Secured Site.
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Lufthansa Miles & More® World Elite Mastercard®
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 20.24% - 29.24% variable
Annual Fee $89
Rewards Earning Rate Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners. Plus, earn 1 award mile per $1 spent on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.