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Miles & More Credit Cards: Air Rewards with No Annual Fee

The Miles & More Credit Card is not currently available in the UK.

The Miles & More Credit Cards offer rewards in the form of Miles & More awards miles on all general spending. As a free card, the welcome bonus is smaller than average and there are no annual bonuses. However, cardholders can get a rewards rate up to 1.8% when they use the American Express card (or 0.9% on the Visa). Miles & More awards miles can be used on Star Alliance partners. When choosing a air rewards card, keep in mind which airlines better serve your desired routes.

Miles and More Credit Card Features

  • Earn 2 miles per £1 spent on the American Express card
  • Earn 1 mile per £1 spent on the Visa
  • Welcome bonus of 1,500 miles when you make your first card purchase (within first 90 days)
  • 0% on initial money and balance transfers for 12 months, subject to 3% fee
  • Eligibility checker
  • No annual fee
  • 22.9% variable APR


  • No annual fee


  • No annual bonuses

Miles & More Credit Cards Review

The Miles & More Credit Card enables cardholders to earn awards miles on general spending. Cardholders can expect to earn a rewards rate up to 1.8%. Of course, this rewards rate depends on how you redeem your awards miles. The lack of annual bonus is not surprising given the card is free. Be sure to use your card at least once in the first 90 days, as that will trigger the 1,500 award miles welcome bonus.

Cardholders receive both an American Express and a Visa. You'll earn 2 award miles/£1 spent on the Amex and 1 award mile/£1 spent on the Visa; consequently you should use the Amex at retailers who accept it, to earn 2X the rewards. In the following chart, you can see the estimated rewards of this card and some other air rewards cards.

A graph showing the rewards over two years for the best UK air miles rewards credit cards, including British Airways Avios, Virgin Atlantic Flying Club, and Miles & More loyalty programs
Rewards over 2 Years on Airline Miles Rewards Cards

Miles & More award miles can be redeemed with any Star Alliance partner, plus Luftansa Regional, Air Astana, BMI Regional, Jet Airways, Air Malta and TAM. The Miles & More program is the largest air loyalty program in Europe. In addition, miles can be redeemed for hotel stays, car hire and a limited selection of shopping vouchers. You'll generally earn the most for your miles be redeeming them for flights.

Bottom Line: The Miles & More Credit Cards offer rewards on general spending through the accumulation of Miles & More awards miles, achieving rewards rates around 1.8%. Miles can be redeemed at any Star Alliance partner.

Miles & More Rewards Rate

The rewards rate on the Miles & More cards is between 0.9% and 1.8%, based on our value estimate of 0.9 pence per award mile. We calculate the higher 1.8% rewards rate as follows: By spending £1 on the American Express card, you earn 2 award miles, which are worth 1.8 pence, yielding a 1.8% return on your original £1 purchase. The lower end of the rewards estimate, 0.9% on the Visa, is calculated using the same method.

Spending Miles & More Awards Miles

In addition to using awards miles to pay for flights, you can also book hotels, hire cars or redeem for shopping vouchers. Generally you will earn the highest value per mile when you redeem for flights. Redeeming for shopping vouchers, at say the Munich Airport or Heathrow, is generally a poor use of your miles. In most cases, 330 miles is converted into 1 Euro worth of vouchers, yielding a low value of only 0.25 pence per mile. You may find good deals at one of the 200,000 hotel partners or one of the car hire partners, listed below:

Car Hire Partners

  • Alamo
  • Dollar
  • National
  • Avis
  • Enterprise
  • Sixt
  • Budget
  • Hertz
  • Europcar

Miles & More Balance & Money Transfer Offer

While cardholders can get a 0% interest for 12 months promotional period for money and balance transfers, the 3% transfer fee is higher than average. You can learn more about 0% interest promotional periods and transfer fees in our article about Balance Transfers.

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