Miles & More Gold Credit Card
Collect miles for flights with comprehensive travel cover.
Score: 5.3 / 10 · Adequate
Rating: 8.5 / 10 · No reviews yet
Best for: Frequent flyers & mile collectors
Overview
The Miles & More Gold Credit Card is a genuine credit card from Deutsche Bank on the Mastercard network. Collect miles for flights with comprehensive travel cover. The annual fee is €138. A surcharge of 1.95 % applies to payments in foreign currency.
Who is it for?
Our take: Frequent flyers & mile collectors. Its strengths lie in collecting points or miles (worth approx. 0.35 %), included travel insurance and mobile payments. It is issued with a German IBAN. As a genuine credit card it offers a credit line (effective annual interest 10.05 %).
How the score is calculated
Overall score: 5.3 / 10 · Adequate
| Costs (30 %) | 2.5 / 10 |
|---|---|
| Foreign currency (18 %) | 3.4 / 10 |
| Cash worldwide (14 %) | 3.1 / 10 |
| Interest (10 %) | 7.8 / 10 |
| Cashback & bonus (10 %) | 0.9 / 10 |
| Features (6 %) | 7.0 / 10 |
| Community signal (12 %) | 6.9 / 10 |
Highlights
- Reward miles on every purchase
- Comprehensive travel insurance
- Slower mile expiry (status benefits)
- First 2 withdrawals abroad per year free of charge
Costs & Fees
| Annual fee | €138 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 10.05 % |
| Type | Credit card |
| Network | Mastercard |
| Issuer | Deutsche Bank |
The annual fee is €138. Outside the euro area a 1.95 % foreign currency fee applies. A fee of 2 % (min. €5) + 1.95 % foreign currency fee applies to cash abroad (2 withdrawals/year abroad without the 2 %). In Germany, cash withdrawals cost 2 % (min. €5). The effective annual interest rate is 10.05 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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This card in our comparisons: Miles & Cashback Credit Cards · Credit Cards With Insurance · Credit Cards With Instalments · Mastercard Credit Cards Compared
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Frequently asked questions
- What does the Miles & More Gold Credit Card cost per year?
- The Miles & More Gold Credit Card costs €138 per year.
- Does the Miles & More Gold Credit Card charge foreign currency fees?
- Yes. Outside the euro area the Miles & More Gold Credit Card charges a 1.95 % foreign currency fee.
- Is the Miles & More Gold Credit Card a genuine credit card?
- Yes, the Miles & More Gold Credit Card is a genuine credit card with a credit line (effective annual interest 10.05 %).
- Does the Miles & More Gold Credit Card include travel insurance?
- Yes, the Miles & More Gold Credit Card includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Miles & More Gold Credit Card require a SCHUFA check?
- Yes, Deutsche Bank runs a SCHUFA credit check for the Miles & More Gold Credit Card; a negative SCHUFA record can lead to rejection.
- How is money on the Miles & More Gold Credit Card protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. The voluntary BdB top-up for Deutsche Bank was discontinued for new deposits from 01.01.2023.