Miles & More World Elite Mastercard
Barclays$89 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A good time to apply if the card fits: the offer is at the top of its own record.
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
70,000miles
after $4,000 in purchases in the first 3 months
At its high since February 2026.
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus70,000 points at 1.3¢ | $910 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | −$89 |
| Meeting the $4,000 minimumearns 1.3% here vs 2% on Double Cash | −$28 |
| First year | $793 |
| Each year after | +$64 |
Not counted in the first year: lounge access and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Miles & More integrated airline partners | 2.6% |
| 1X | Everything else | 1.3% |
Noteworthy perks
- Lufthansa Business Lounge
Personal card · Earns Lufthansa Miles & More
Benefits
Lounge Access (1)
- Lufthansa Business Lounge (2 visits/year): paid guests allowed
Protections (5)
- Travel Accident Insurance, up to $250,000, Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip or $10,000 per 12-month period for non-refundable trip costs due to sickness, injury, death, severe weather, terrorist actions, jury duty
- Baggage Delay Insurance, up to $300, Up to $100 per day for 3 days for essential purchases when baggage is delayed 6+ hours
- Auto Rental Collision Damage Waiver (secondary), Coverage for rental car damage or theft when entire rental paid with card; covers vehicles up to Actual Cash Value; rentals up to 31 consecutive days
- Cell Phone Protection, up to $800, Up to $800 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card; covers theft and damage (not loss)
Other Perks
- Annual economy class companion ticket (taxes and fees apply)
- No expiration of miles with a card purchase every month
- Up to 15% off hotels and car rentals booked through Miles & More program
- Annual fee waived for Senator and HON Circle members
- Convert award miles to elite status miles at 5:1 ratio (min 5K, max 25K per calendar year)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Miles & MoreOct 8, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 50K Miles after $3K spend in the first 90 days to 70K miles after $4K spend in the first 90 daysAug 3, 2026