Pay Recurring Expenses With a Credit Card: How to Earn Miles & Points Passively (2026)
Rent, electricity, insurance - your recurring expenses can earn miles and points. Even direct debits and bank transfers. Up to 36,000 points/year.
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500,000+ points in your first year - worth up to 8,000€
Lufthansa First Class New York: 8,000€
With miles: just taxes & fees (~600€)
Lufthansa First Class New York: 8,000€. Business to the USA: 4,000€+. Who can afford that?
100€ grocery purchase = 50 points. With the right strategy it would be 500+ points - for the same purchase.
Miles & More, PAYBACK, AMEX, Avios... Which program is worth it? The answer surprises most people.
Without the right strategy...
...this door stays closed for most people. The Lufthansa First Class Lounge - an experience you deserve.
The MEILENKÖNIG Premium Handbook is your complete roadmap - with concrete numbers, proven strategies, and a 6-month plan for your success.
Here is what awaits you
Caviar, champagne, your private suite above the clouds. With the right system, this is no fantasy.
Premium Bundle
14 chapters + audiobook (1:42h)
Caviar service in Lufthansa First Class
A system that generates points month after month - without spending more.
Through the right sequence and timing, you maximize your bonuses.
100,000+ extra points per year - without spending more. All legal.
When to apply for which card, when to grab which bonus - step by step.
500k+
Points in your first year
8.000€
Value possible
100k+
Extra through strategies
400k
Welcome bonuses possible
Structured in 5 parts - from beginner to miles pro
AMEX MR vs Miles & More - why this is THE crucial difference
Gold, Platinum, Business - which card for which goal
The Business Card is the insider tip - twice as many miles
Over 100,000 extra points per year - without spending more
Use several systems simultaneously on every purchase
Your rent, your electricity, your internet - all of it earns points
Which partner to transfer to - and which one NEVER
170,000 miles = Lufthansa First Class to New York
How to get the maximum out of it - the math works out
Week by week: what to do and when
Tracking templates + all the important links
1,000 Miles & More miles for free - just scan boarding passes
3,500 points for free + collect points from friends & family
The third points world - 30+ frequent flyer programs reachable 1:1
Exclusive restaurant
A la carte dining in the lounge
Your Private Suite
Sleeping above the clouds
Gourmet Cuisine
Main course at 10,000 meters
Champagne Lounge
With a view of the tarmac
Bonus: 3 free programs for more miles
Free app for frequent flyers
1,000 miles for free
For all frequent flyers
Corporate bonus
3,500 points for free
For the self-employed & entrepreneurs
Revolut & RevPoints
30+ programs 1:1
Free – the third points world
into the world of miles
Grab the free MEILENKÖNIG beginner guide and learn the basics of collecting miles. Perfect for getting started, with potential for ~50,000 points per year - completely without expensive premium cards.
Business Class - a good start
Free & no obligation
First Class - the goal
One-time purchase — no subscription
Potential: 500,000+ points/year
Already have the handbook? More options:
The AudioBook is exclusive to handbook buyers. Please enter the email you used to buy the handbook:
Digital products are exempt from the right of withdrawal. By purchasing you confirm that you understand this.
1:1 points coaching with an expert - tailored individually to you. No video courses, no groups.
With these cards you start your miles career. The welcome bonuses are often better than on the regular website.
85,000 MR
until 30 June
Welcome bonus
75,000 MR
unlimited
Welcome bonus
50,000 MR
until 30 June
Welcome bonus
4,000 PAYBACK points
until 14 June
4,000 PAYBACK points
until 14 June
10,000 MR
free from year 2
4,000 miles
unlimited
1,000 miles
unlimited
4,000 miles
unlimited
500 miles
unlimited
* Affiliate links. Learn more
Learn the basics - reliable, easy to understand, up to date
Rent, electricity, insurance - your recurring expenses can earn miles and points. Even direct debits and bank transfers. Up to 36,000 points/year.
Read articleHonest AMEX Green review 2026: 10,000 MR bonus, €5/month (free from year 2), 1 MR per euro. Who the cheapest AMEX MR card is worth it for.
Read articleWhat can you really book with 175,000 AMEX MR from the US? Five concrete dream trips with verified award values as of May 2026 — Lufthansa First Class for 87k, ANA round-trip Business to Tokyo, Cathay First to Hong Kong, Aer Lingus Business to Dublin, BA Avios for 30+ European short hauls. With cash comparison, taxes and cents-per-point values.
Read articleThis is how your everyday spending turns into a premium flight
50,000 MR
Welcome bonus with AMEX Gold
+3,000 MR/month
on 2,000 EUR spending with Punkteturbo
from ~62,500
MR points for Bangkok in Business
Your result after ~4 months
Frankfurt ⟶ Bangkok
Business Class, one way
~1,602 EUR
You only pay
~350 EUR
Taxes & fees
airline cash price via airline data, as of 2026
Example calculation based on AMEX Gold (€240/year) with Punkteturbo (€15/year). Welcome bonus requires €5,000 card spend in 6 months. Mile prices vary by airline, date and availability. No financial advice.
Our calculators work for AMEX Membership Rewards and Miles & More
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Yes. It adds up from: up to 400,000 welcome bonuses + over 100,000 through our strategies + points from normal spending. More in the Miles Collecting Guide.
That depends on your setup. But: you easily recoup the fees through credits and the point value - and even come out ahead. We work this out in detail in the handbook.
These are two completely separate systems! AMEX points can NOT be transferred to Miles & More. Most beginners make this mistake. More in the AMEX vs M&M comparison.
Not necessarily! There are both personal and business cards with strong bonuses. For some premium cards, being self-employed is an advantage, but in the handbook we show you options for every situation.
In addition to the card strategies, the premium handbook contains three free bonus programs: an app for frequent flyers (1,000 miles for free), a corporate bonus for the self-employed (3,500 points + collecting points from friends), and Revolut & RevPoints - the third points world with over 30 frequent flyer programs reachable 1:1.
About 1 hour per week. With a value of several thousand euros per year, it's definitely worth it.
The Free Guide only shows free cards (~50,000 points/year). The Premium Bundle contains a 14-chapter handbook + audiobook (1:42h) + 30 days of MEILENKÖNIG AI with the secret strategy for 100k+ extra points, up to 400k welcome-bonus strategies, the complete 6-month plan, and 3 bonus programs. 10x more potential. The AI access ends automatically after 30 days - no subscription, no cancellation needed.
The MEILENKÖNIG AI is your personal miles assistant - it knows all the strategies from the handbook, current deals, and answers your questions about miles, points, and credit cards. The Premium Bundle includes 30 days of AI (ends automatically, no subscription). Anyone who wants to use the AI separately can take out a monthly subscription (9.90€, cancel anytime) or an annual subscription (89€, save 25%).
The handbook is updated regularly. As of: 2026. All bonuses, links, and strategies are up to date.
Yes! Use our chat at the bottom right of the page - our miles expert answers your questions instantly. You can also email info@meilen-koenig.de.
After purchase, you immediately receive an email with the download links. You can use the PDF and the audiobook (MP3) on all devices - read or listen, whatever suits you.
The download links for the premium handbook and audiobook are valid for 72 hours. If the link has expired, get fresh links anytime yourself via your account at meilen-koenig.de/konto - login via magic link to your email, no password needed.
Payment runs securely via Stripe. You can pay by credit card (Visa, Mastercard, AMEX), Apple Pay, Google Pay, or Klarna. All data is SSL-encrypted.
Yes, 100%. We use Stripe - the world's leading payment provider. Your payment data is never stored on our servers. The entire transaction is SSL-encrypted.
Yes, you automatically receive an invoice by email. You can claim this as a business expense if you are self-employed.
Digital products are excluded from the right of withdrawal. Instead, you can test the free guide beforehand and use our chat for questions.
No, that is not possible. AMEX Membership Rewards and Miles & More are two completely separate systems with no connection. However, you can transfer AMEX points to other airlines (e.g. British Airways, Singapore Airlines). All transfer partners in the AMEX redemption guide.
AMEX points: never, as long as you have an active AMEX MR card. Miles & More: after 36 months of inactivity - but with an M&M credit card (even the cheap Blue from 5.50€/month) they practically never expire. PAYBACK: after 36 months of inactivity - the free PAYBACK AMEX protects automatically.
Yes! The PAYBACK AMEX (free, 4,000 PAYBACK points bonus) and the Miles & More Blue (from 66€/year, up to 1,000 miles bonus) are the cheapest entry cards. All options in the free credit cards guide.
Business cards often have higher bonuses (e.g. 200,000 MR instead of 85,000 MR for the AMEX Platinum) and require self-employment or a company. Personal cards are accessible to everyone. All cards in the welcome bonus comparison 2026.
We offer three free calculators: the Earning Calculator shows you which card earns the most points. The Award Calculator calculates how many miles your dream flight costs. And the Points Value Calculator values your points, checks whether redemption is worth it, and compares AMEX MR transfer partners.
Still have questions? Email us at info@meilen-koenig.de