Lufthansa Miles & More® World Elite Mastercard®

Pros & Cons

Pros

+Welcome Bonus: 60,000 points
+Lounge access included
+No foreign transaction fees

Cons

–No purchase protection

Our Review

Elevate Your European Travel with the Miles & More® World Elite Mastercard®

60,000 bonus miles after $3,000 in purchases and payment of the $89 annual fee within 90 days
2X miles per $1 on ticket purchases directly with Miles & More® integrated airline partners
1X mile per $1 on all other purchases
Companion ticket each anniversary—bring a guest on the same flight (taxes & fees apply)
Two Lufthansa Business Lounge vouchers annually for premium airport access
0% intro APR on balance transfers for 15 billing cycles
No foreign transaction fees

Whether you’re crossing the Atlantic or exploring Europe’s hidden gems, the Miles & More® World Elite Mastercard® accelerates your rewards on flights and everyday spend. Enjoy seamless redemptions across the SkyTeam network, access to exclusive companion and lounge benefits, and flexible financing with an extended 0% APR period. Manage your account effortlessly in the Bank of America mobile app and watch your miles add up toward award flights, upgrades and luxury experiences.

Terms apply. Companion ticket and lounge vouchers subject to restrictions and fees. Miles earned and benefits require active account. See issuer for full details.

Rewards

All Spending

1x

Miles & More pts per dollar

Lufthansa and Miles & More partner flights

2x

Miles & More pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries1x

$700/mo

Gas & EV1x

$200/mo

Transit1x

$100/mo

Restaurants1x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

30,000

Miles & More/yr

Estimated Value

$300

After Fees

+$211

1st Year Value

$811

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 1x3,600 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1x

Total points earned30,000 pts

Value of points accumulated in the first year≈ $300

Perks & Benefits

Lounge Access

2 visits per year

Additional Benefits

Achieve Miles & More status faster: once each calendar year, you can convert 5,000 to 25,000 miles earned on purchases into Points and Qualifying Points. For example, 5,000 miles convert to 20 Points + 20 Qualifying Points. No foreign transaction fees on international purchases. Chip technology makes paying for your purchases more secure at chip-card terminals in the USA and abroad. Lounge access with two complimentary Lufthansa Business Lounge Vouchers annually. Annual Companion Ticket after each account anniversary (taxes and fees apply). Redeem for flight tickets from the entire Lufthansa Group and Star Alliance network.