Miles & More Kreditkarte review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Miles & More Kreditkarte suits business cardholders who would rather collect airline miles than cashback and who want a card with no charge to hold: annual fee of €0 and monthly fee of €0. Turnover earns 1 mile per 2 EUR of card turnover, and the balance can be cleared in flexible instalments.
Key facts
- Best for
- A business card that pays airline miles and carries no annual or monthly fee.
- Annual fee
- €0 (Source, checked September 26, 2026)
- Rewards type
- Miles (Source, checked September 26, 2026)
- Rewards rate
- 1 mile per 2 EUR of card turnover (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Deutsche Bank AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Business
- Official website
- miles-and-more-kreditkarte.com
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Deutsche Bank AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedIninstagram.com
Pros and cons
Pros
- Holds at €0 a year and €0 a month, so there is no charge for keeping it.
- Earns 1 mile per 2 EUR of card turnover in miles on card turnover, with a transfer service to top up the programme.
- A credit card and service card in one, with flexible instalment repayment.
- Support covers email, phone and help centre, including phone and a help centre.
Cons
- miles only, so there is no cashback on everyday spend.
- Aimed at business use, so a private shopper gets a narrower card than a general purpose card.
- Support runs on email, phone and help centre, so there is no live chat or customer community.
Who it suits
- Business cardholders who want airline miles on everyday spend without a fee.
- Travellers who already hold miles and want to move euros into the programme through the transfer service.
- Anyone after a mastercard credit card with €0 annual fee and instalment flexibility.
Who should look elsewhere
- Wise, whose annual fee is £0, if a fee-led card from another provider matters more than miles.
- Varo Believe Secured Credit Card, a secured card with an annual fee of $0, for anyone wanting a deposit-backed balance instead.
- Chime Card (Secured Visa Credit Card), whose annual fee is $0, for cardholders who prefer Visa to the mastercard network here.
The company behind it
The card is issued by Deutsche Bank AG, based in Germany. Support runs through email, phone and help centre, so questions can go by email, by phone or through the help centre. The provider also appears in the IHK Frankfurt am Main insurance intermediaries register under D-H0AV-L0HOD-14.
How Miles & More Kreditkarte compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
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?+
There is an annual fee of €0 and a monthly fee of €0, so holding the card costs nothing beyond the balance you choose to carry. It is grouped as no annual fee, which matches the fee-free position the brand markets.
What kind of card is it, and which network does it run on?+
It is a credit card on the mastercard network, so it is accepted wherever Mastercard is taken and the balance is repaid later rather than paid straight from a current account. Spend on the card is what earns the rewards.
How do I earn miles with this card?+
Card turnover earns 1 mile per 2 EUR of card turnover in miles. MilesPay lets you redeem miles wherever Mastercard is accepted, and a transfer service moves miles into the programme when you shift euros across to it, which helps if you already hold miles.
Can I pay the balance in instalments?+
Repayment is flexible: you can spread a balance into instalments instead of clearing it in full each month. The same card also works as a service card, so the credit line and your miles sit together on one piece of plastic.
Who is this card aimed at?+
The card is aimed at business users, which fits a company card or self-employed spend that is easier to run through a business account. Someone after a general everyday card purely for personal spending is a weaker match.
What extras can I add to the card?+
Optional extras sit on top of the base card: add-on packages called Miles Plus can be added, and there is a discount on Avis rental cars. The base credit card already includes MilesPay redemption and the transfer service.
How do I get help from the provider?+
Support runs through email, phone and help centre, so an email, a phone call or the help centre cover the main routes. Live chat and a customer community are not part of that list, which matters if you prefer instant messaging support.
Who issues the card, and who regulates the provider?+
The card comes from Deutsche Bank AG, based in Germany. The listed regulators there are BaFin and the European Central Bank, and the provider sits in the IHK Frankfurt am Main insurance intermediaries register under D-H0AV-L0HOD-14.
Sources
- miles-and-more-kreditkarte.com checked September 26, 2026
Backs: Audience, Monthly fee, Card network
“Miles & More MyFlex Credit Card: Monatlich 0 EUR”
- miles-and-more-kreditkarte.com/de/privatkunden/kreditkart... checked September 26, 2026
Backs: Annual fee, Card kind, Rewards rate, Rewards type
“MyFlex Credit Card: Monatlich 0 EUR”
- miles-and-more-kreditkarte.com/de/privatkunden/kreditkart... checked September 26, 2026
Backs: Features, Pricing model, Perks
“Meilen sammeln Pro 2 EUR Kartenumsatz 1 Meile”
- miles-and-more-kreditkarte.com/de/rechtliche-hinweise.html checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“Tel.: +49 - 69 - 91 00 0 ... E-Mail: deutsche.bank@db.com”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.
Miles & More Kreditkarte
A business card that pays airline miles and carries no annual or monthly fee.