Lounges & Hotels 13 min
Credit Cards with Lounge Access 2026: Germany Compared
Credit cards with lounge access in Germany 2026: AMEX Platinum, Deutsche Bank, Commerzbank, HVB and M&M Gold compared – fees, Priority Pass, guests.
Expert Knowledge
Miles & Points Guides
Credit card strategies, welcome bonuses, and how to redeem miles the smart way — credible, clear, and up to date.
Basics 10 min
Miles & More Miles Expiry: 2026 Rules and How to Stop It
Miles & More miles expire after 36 months at quarter end. Who is exempt, what happens if you cancel the credit card, and what you can do before expiry.
Basics 10 min
Miles & More Status 2026: Points, QP & Senator Explained
Frequent Traveller from 650 Points + 325 Qualifying Points, Senator from 2,000 + 1,000: how Miles & More status works in 2026 and what it gets you.
German Cards 12 min
PAYBACK American Express 2026: Fees, Points, Bonus
PAYBACK AMEX 2026: €0 annual fee, 1 point per €3, 4,000-point bonus until 15 Nov. Fees, cash, limit, cancellation and how it differs from the dm card.
Redeeming Points 15 min
How Many Miles Do You Need for a Flight? 2026 Chart
How many miles does an award flight cost? Mileage chart from Economy to First for Miles & More, dynamic Lufthansa pricing, Flying Blue and taxes explained.
Strategy & Earning 12 min
Paying Taxes and the Broadcasting Fee with a Credit Card: Is It Possible? (2026)
Paying taxes with a credit card? The German tax office and broadcasting fee service don't take cards. Which workaround still earns miles on prepayments and GEZ.
Strategy & Earning 11 min
Paying Electricity and Gas with a Credit Card: Earn Miles on Your Energy Bills (2026)
Paying electricity and gas with a credit card: almost no German utility takes cards. Which workaround still earns miles and what €220 a month is worth.
Strategy & Earning 10 min
Paying Insurance with a Credit Card: How to Earn Miles on Your Premiums (2026)
Paying insurance with a credit card: which insurers take cards (often only with annual payment), how AMEX works via PayPal, and what €2,000 in premiums earns.
Redeeming Points 10 min
Booking Eurowings With Miles 2026: Award Flights From 7,500 Miles, Mileage Bargains & Cash & Miles
Book Eurowings award flights with Miles & More miles: from 7,500 miles one-way in the Basic fare to 210 destinations, mileage bargains from 6,000 miles (up to 50% cheaper, changing monthly), Cash & Miles from 3,000 miles. Why booking via the Eurowings award tool is cheaper than via the Miles & More award table, plus status Points on Eurowings flights.
Basics 10 min
Earning Avios in Germany 2026: AMEX 5:4, British Airways, Iberia & Qatar
Avios guide for Germany 2026: transfer AMEX MR at 5:4 to British Airways Club and Iberia Club (3:2 to Qatar), move Avios freely between seven programs, household account for up to 6 people, award chart per segment (Frankfurt–London from 4,000 Avios), the 36-month expiry rule and the sweet spots for Europe and long-haul.
Redeeming Points 11 min
Flying Blue for Germans 2026: Earning Miles, Value & Promo Rewards With AMEX
Flying Blue guide for Germany 2026: transfer AMEX MR at 5:4 (from 625 points, up to 1 business day), Promo Rewards with up to 25% off on the first of every month, real sample prices (Europe from 6,000 miles, North America from 18,750 miles one-way), what a Flying Blue mile is worth and when Air France/KLM beat Miles & More.
Strategy & Earning 10 min
Netto PAYBACK Coupons 2026: 10x on the Whole Basket & up to 50x on Brands
Netto PAYBACK coupons 2026 explained: 1 point per €2 in 4,350 stores and the online shop, 7x and 10x on the entire in-store purchase, 35x to 50x on brands (as of September 2026). Linking the Netto plus app, coupon stacking, a worked example and the route to Miles & More miles.
Strategy & Earning 10 min
EDEKA PAYBACK Coupons 2026: How to Use 10x, 20x & 44x Points Properly
EDEKA PAYBACK coupons 2026 explained: 1 point per €2 base rate, whole-basket coupons up to 10x, product-group coupons up to 44x (as of September 2026). Coupon stacking, the EDEKA app, a worked example and how weekly grocery runs turn into airline miles.
Basics 7 min
Lufthansa Group Wi-Fi: Free Starlink Internet On Board — How to Get It (2026)
Since 19 August 2026, the Lufthansa Group has been rolling out free Starlink Wi-Fi — free in all travel classes for Miles & More members and Travel ID users. Which airlines are included, which rules apply on board, and how to connect.
Strategy & Earning 20 min
Claude in Chrome: Your AI Copilot in the Browser for Miles & Award Flights (2026)
Step-by-step guide: Claude controls your Chrome browser - clicking through award calendars, live-verifying seats.aero finds, reviewing eCoupons. Both paths explained: Chrome extension (side panel) and Claude Code via MCP.
Redeeming Points 8 min
AMEX Transfer Partners Germany 2026: All Rates in One Table
All 14 AMEX Membership Rewards transfer partners in Germany 2026: 9 airlines, 4 hotel programs and PAYBACK — with transfer rate, duration and minimum. NEW: Accor ALL since July 2026. Plus: why Etihad is gone and which transfers are actually worth it.
Basics 5 min
Miles & More Becomes Lufthansa Group Miles & More: What Changes (and What Doesn't)
Miles & More will be renamed Lufthansa Group Miles & More at the end of 2026 — with a new logo and design. What happens to your miles, your status and your credit cards, and why the real changes are happening elsewhere.
Redeeming Points 7 min
Booking Lufthansa Award Flights in 2026: Step-by-Step Guide
How to book a Lufthansa award flight with miles: how the search on miles-and-more.com works, what dynamic award pricing and the new Business Light fare mean — and which Star Alliance programs often get you LH flights cheaper.
Redeeming Points 15 min
Hyatt Sweet Spots Cat 1-3: The Best Hotels for 3,000-20,000 Points (2026)
World of Hyatt is the only major hotel program with a fixed award chart in 2026. Since the new chart of 20 May 2026: Cat 1 hotels from 3,000 points/night, Cat 2 from 6,000, Cat 3 from 8,000 (lowest price level) — examples worldwide. Incl. Chase UR transfer path (Reserve 1:1, Preferred/Ink 4:3) and the complete Cat 1-3 sweet-spot list.
Redeeming Points 8 min
Aeroplan Award Chart 2026: Star Alliance Sweet Spots Explained
Air Canada Aeroplan is the best Star Alliance program for Lufthansa awards in 2026. Fixed award chart, low YQ surcharges, stopover option, and 1:1 transfers from AMEX MR US and Chase UR. Complete 2026 chart overview with concrete sweet spots Frankfurt → Tokyo, JFK → Munich, etc.
Redeeming Points 7 min
ANA First Class via AMEX MR: Bucket-List Sweet Spot 2026
ANA Mileage Club First Class from Frankfurt to Tokyo — complete 2026 booking guide. Round-trip from 165,000 ANA miles in Low Season + ~€220 in taxes. AMEX MR US transfers 1:1 to ANA. ANA award chart checked on 7 November 2026 (ana.co.jp).
Redeeming Points 8 min
Avianca LifeMiles: Lufthansa First Class for 87k MR — the Mechanics (2026)
How the most famous sweet spot in the points world works: Avianca LifeMiles + Lufthansa First Class for 87,000 points one-way. Detailed mechanics for 2026: award chart, booking tools, phone hotline, common traps. Companion to the sister article with the full booking walkthrough.
Redeeming Points 12 min
Lufthansa First Class for 87,000 Miles via Avianca: Complete Booking Guide 2026
Lufthansa First Class one-way to Los Angeles, San Francisco or JFK for 87,000 Avianca LifeMiles + ~$200-280 taxes (as of 2026). Complete step-by-step guide: find availability, transfer AMEX MR US to Avianca, book by phone. Incl. common pitfalls and cash comparison.
US Cards 8 min
AMEX Business Platinum US vs Chase Ink Business Preferred (2026)
Which US business card is the better fit for German LLC owners? Direct comparison AMEX Business Platinum US ($895, up to 300k MR welcome) vs Chase Ink Business Preferred ($95, 100k UR). Earn rates, travel credits, lounge access, 5/24 impact. May 2026.
Strategy & Earning 10 min
Chase 5/24 Rule: Application Timing for German Collectors (2026)
The 5/24 rule is the most important Chase rule — and the most common reason for application denials. What counts (including German AMEX!), what doesn't. Complete strategy for German applicants: when to apply, in which order, when to pause. Incl. business-card workaround, authorized user, and application order AMEX → Chase → Citi.
Strategy & Earning 8 min
US LLC for German Points Collectors: Taxes, Risks & CFC Rules (2026)
A US LLC opens the door to business credit cards (Chase Ink, AMEX Business Platinum US) — but it has tax consequences in Germany. Complete 2026 overview: BOI/FinCEN reporting, German CFC taxation (Hinzurechnungsbesteuerung), CFC risk, mandatory own clarification. NOT tax advice — just a factual overview.
US Cards 12 min
Chase Sapphire Reserve $795: Is the Most Expensive Chase Card Worth It in 2026?
Refresh analysis of the Chase Sapphire Reserve after the June 2025 increase from $550 to $795/year: $300 travel + up to $500 The Edit + $300 dining + $300 StubHub + DoorDash promos + Apple TV/Music + IHG Platinum Elite + Sapphire Lounges. Effective net cost under $200/year with full credit usage. Honest comparison with Sapphire Preferred ($95) and Capital One Venture X ($395).
Strategy & Earning 8 min
ITIN for Germans: What Even Is It? 2026 Explainer
An ITIN is the US tax number for non-US citizens and the key to more US credit cards. What an ITIN is, when you need one, what it costs, and which US cards it unlocks. High-level explainer 2026, without the Premium application walkthrough.
US Cards 13 min
AMEX Green vs Gold vs Platinum US: Which Tier Fits Whom? (2026)
Three US AMEX tiers head-to-head, as of September 2026: AMEX Green ($150) now only for existing cardholders (no new applications since 23 July 2026), AMEX Gold US ($325) as the dining champion, AMEX Platinum US ($895) as the premium all-rounder. Welcome bonuses, earn rates, travel credits, lounge access and the new GT entry without the Green.
Strategy & Earning 7 min
Paying Rent with a Credit Card: How to Earn Miles on Your Rent (2026)
Pay your rent with a credit card and earn miles: the Revolut method for Miles & More, why AMEX doesn't work directly — and the system that makes every single rent payment earn points. With worked examples.
US Cards 7 min
Bilt Rewards for Germans: Does It Work Without a US Residence? (2026)
The Bilt Mastercard is the only card in the world that lets you earn points on rent — but does it work for German applicants? Complete 2026 analysis: requirements, US address rules, transfer partners (1:1 to American/Aeroplan/Hyatt/Air France), and whether the free card is worth it for pure US travelers.
Redeeming Points 15 min
175,000 MR Welcome Bonus: 5 Dream Trips With Real Numbers (2026)
What 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.
Lounges & Hotels 7 min
Hyatt vs Marriott vs Hilton: Which Hotel Program in 2026?
A head-to-head comparison of the three biggest hotel loyalty programs: World of Hyatt (fixed award chart, Cat 1 from 3,000 points), Marriott Bonvoy (8,500+ hotels, dynamic pricing), Hilton Honors (massive footprint, cheap points). Which one fits whom? Earn rates, award values, and status programs compared as of May 2026.
US Cards 18 min
Chase Ultimate Rewards Guide 2026: Hyatt Sweet Spots, 5/24 Rule & Trifecta Strategy
Chase Ultimate Rewards is the most valuable points program in the world. Complete 2026 guide: Sapphire Reserve ($795), Sapphire Preferred ($95), Ink Business Cards, all 14 transfer partners, Hyatt award chart (Cat 1 from 3,000 points), the 5/24 rule, and the Chase Trifecta strategy for German collectors.
Redeeming Points 4 min
United MileagePlus for Germans: LH Awards via UR Transfer (2026)
United MileagePlus via Chase UR (1:1) is a solid Star Alliance path to Lufthansa awards in 2026. Saver award chart, Excursionist Perk sweet spot, booking tips and comparison with Aeroplan/Avianca. All values verified May 2026.
Redeeming Points 16 min
AMEX MR US vs. Germany: Transfer Partner Comparison & 1:1 Sweet Spots (2026)
AMEX Membership Rewards in the US transfer mostly 1:1 to airlines — in Germany only 5:4 or worse. Complete transfer partner comparison 2026: 16 airlines + 4 hotel chains, all 1:1 ratios, sweet spots like ANA Business to Japan from 110k round-trip, Aeroplan charts and Flying Blue promos.
US Cards 13 min
AMEX Platinum US vs DE: The Honest Comparison (2026)
Is the US version really better? A direct comparison of AMEX Platinum US ($895) vs DE (€720) in May 2026 — welcome bonus, transfer ratios, lounges, hotel status, credits. What you actually gain as a German and what's identical (spoiler: both have Centurion and Priority Pass!).
US Cards 11 min
Capital One Venture X for Families: What the 2026 Lounge Rules Really Mean
The Capital One Venture X ($395/year) for families, checked: since 2026 lounge guests cost extra ($45/$25 in Capital One Lounges, $35 at Priority Pass, free only from $75,000 in annual spend), and lounge access for additional cardholders costs $125/year. The $300 Travel Credit + 10,000 Anniversary Miles remain. Comparison with AMEX Platinum US and Chase Sapphire Reserve.
US Cards 19 min
US Credit Cards for Germans 2026: Which Cards Exist and Which One Fits You
Which US credit card is worth it in 2026 as a German? Comparison of the 5 most important cards (AMEX Platinum US, Gold US, Chase Sapphire Reserve, Sapphire Preferred, Venture X) with welcome bonuses, fees, and a profile-based recommendation. Why US points often transfer 1:1 to airlines instead of 5:4.
German Cards 12 min
AMEX Green Review 2026: Is the Cheap MR Entry Card Worth It?
Honest 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.
Strategy & Earning 9 min
cadooz & BestChoice Redemption Partners 2026: 56 M&M Vorteilswelt Brands + 178 BestChoice Brands
cadooz and BestChoice partner list 2026 in one article: all 56 directly selectable brands in the Miles & More Vorteilswelt with minimum amounts plus the ~178 brands in the BestChoice Classic tier, 9 tier variants, benefit-in-kind lever, 1:1 PAYBACK→M&M transfer.
Strategy & Earning 4 min
Everywish Redemption Partners 2026: Brands + Retailers + Amazon Note
Everywish partner list 2026 — top brands (IKEA, OTTO, Apple, Rossmann, Müller, H&M, Zalando, Accor), retailers (dm, Edeka, Kaufland, Penny). Important: Amazon NOT included.
Strategy & Earning 5 min
PAYBACK Rewards Shop 2026: Buy Gift Cards with Points + Cash Top-Up
PAYBACK Rewards Shop gift cards 2026 — how to combine points + cash top-up (e.g. 200 °P + €12.99 for a €15 gift card), top brands (Wunschgutschein, Amazon, IKEA, Spotify and many more), coupon stacking.
Strategy & Earning 4 min
Wunschgutschein Redemption Partners 2026: All Brands as a List + PDF
Wunschgutschein partner list 2026 as a complete overview and PDF download — top brands (Amazon, Zalando, IKEA, MediaMarkt, H&M, Douglas and many more), splittability, 3-year validity, PAYBACK stacking strategy.
Strategy & Earning 16 min
Find Award Flight Availability Automatically: With Claude Code & seats.aero (2026)
Step-by-step guide: How to use Claude Code and the seats.aero API to automatically find Business & First Class availability - instead of searching manually for hours.
German Cards 10 min
AMEX Punkteturbo 2026: 50–100% More Points
Step by step: activate the AMEX Punkteturbo (€15/year) and PAYBACK MAX (€35/year) online. 50% more MR points or 100% more PAYBACK points on all card spend.
Strategy & Earning 21 min
Earn Miles on Recurring Expenses: Pay Rent, Electricity & Insurance With a Credit Card (2026)
Earn miles on recurring expenses: which bills AMEX and Miles & More accept directly, and how rent and direct debits still earn points. Up to 36,000 points/year.
Redeeming Points 7 min
AMEX Miles & More Transfer: Move MR Points? (2026)
Connecting AMEX and Miles & More: Membership Rewards can only be moved to M&M via the PAYBACK bridge (3:1) — usually a bad deal. The 14 better AMEX transfer partners and why you need both systems in parallel.
Strategy & Earning 10 min
dm PAYBACK Coupons June 2026: Current 10x, 20x, 25x & 33x Points
dm PAYBACK coupons in June 2026: Up to 33x points through coupon stacking. Combine 10x, 20x & 25x coupons, point-week dates & DM PAYBACK AMEX (1,000 points, permanent).
Strategy & Earning 8 min
PAYBACK Partner List 2026: All Partners & Points per Euro
PAYBACK partner list 2026 — the complete overview: dm, EDEKA, Aral, Amazon & co. with points per euro. Which partner gives the most points? Plus: 3 partners that are NO LONGER on board (REWE, Penny, nahkauf).
German Cards 11 min
AMEX Business Gold Review 2026: Is the €175 Card Worth It?
Honest AMEX Business Gold review: 50,000 MR welcome bonus, no annual fee in year one, then €175 per year. Who the cheapest AMEX Business card is worth it for.
German Cards 17 min
AMEX Platinum Business Review 2026: Is the €850 Card Worth It?
Honest AMEX Platinum Business review: 200,000 MR welcome bonus, lounge access, hotel status, and whether the €850 annual fee really pays off.
Redeeming Points 12 min
Business Class from New York for €624: My Experience Report (2026)
How I flew Lufthansa Business Class from New York to Munich for €624 instead of €3,500. Step-by-step experience report with concrete numbers.
Basics 15 min
How Much Is a Mile Worth? Convert Miles to Euros (2026)
How much is a mile worth? From 0.3 cents for merchandise to 3-6 cents in First Class. Convert miles to euros for Miles & More, AMEX MR and PAYBACK — with a cents-per-mile table and three free calculators.
Strategy & Earning 12 min
PAYBACK Coupons June 2026: Activating 10%, 10x & 20x
PAYBACK coupons in June 2026 — 10% discount coupons vs. 10x & 20x points coupons explained. Coupon stacking, app tricks and the best multipliers at dm, EDEKA & Aral.
Redeeming Points 11 min
Booking an Award Flight: The Complete Beginner's Guide (2026)
Book an award flight step by step: find availability, calculate miles, lock in your award ticket. With practical tips for Miles & More and AMEX transfer partners.
German Cards 14 min
Which AMEX Card Is Right for Me? The Decision Guide (2026)
Which AMEX card is the right one? A decision tree for all 6 AMEX cards in Germany: from free to Platinum. With 4 profiles and a concrete recommendation.
German Cards 14 min
AMEX Gold 2026: 50,000 MR Welcome Bonus & Review
AMEX Gold welcome bonus 2026: 50,000 MR (ongoing) — an honest review of the €240 card: mobility credit, earning points and whether it's really worth it. Including a comparison to the Platinum.
German Cards 19 min
AMEX Platinum Review 2026: Is the €720 Card Worth It?
Honest AMEX Platinum review: all benefits, costs, lounge access, and whether the €720 annual fee is really worth it. With a sample calculation.
German Cards 11 min
Best Credit Cards for Earning Miles 2026: Top 5
Credit cards for earning miles compared: AMEX Gold, Platinum, Miles & More and PAYBACK. Which card is worth it for whom - with pros and cons.
German Cards 11 min
Free Credit Cards for Earning Miles: 2 Real Options (2026)
Free credit cards for earning miles: PAYBACK AMEX, DM PAYBACK AMEX & Miles & More Blue compared. Which one is actually worth it.
Basics 15 min
Earning Miles: The 7 Best Methods 2026 (Without Flying)
Earn miles without flying: 7 methods to collect airline miles on the ground. With credit cards, PAYBACK and clever strategies to Business Class flights — over 200,000 points in your first year.
German Cards 16 min
Miles & More Credit Card 2026: Which One Is Worth It? (Review)
Miles & More credit card in an honest review: Blue vs Gold, personal vs business. Current terms, earn rates & whether the card is still worth it in 2026.
Redeeming Points 9 min
Redeeming PAYBACK Points: The Best Options & True Value (2026)
Redeeming PAYBACK points: all options compared with their real point value. Why cash-out is the worst and a Miles & More transfer is the best choice.
Strategy & Earning 12 min
Miles & More Mileage Pool 2026: Earn Faster Together for Award Flights
With the Miles & More Mileage Pool (Mileage Pooling) you earn together with your partner, family, or friends. Free, no proof of family relationship. Setup guide included.
Lounges & Hotels 14 min
Free Lounge Access 2026: Priority Pass vs. AMEX Platinum (Honest Comparison)
Which lounge access is really worth it? Priority Pass (1,900+ lounges & experiences) vs. AMEX Platinum (1,550+ lounges) head to head. All lounges in Germany + hidden perks.
Lounges & Hotels 10 min
Lufthansa First Class Lounge Munich: The Most Exclusive Spot at the Airport
Everything about the Lufthansa First Class Lounge in the Munich satellite terminal: à la carte restaurant, Champagne bar, rooftop terrace, and how to get access.
Redeeming Points 9 min
PAYBACK → Miles & More: Transfer Bonus 2026 (Guide)
How to convert PAYBACK points into Miles & More miles and grab a 20-25% bonus on top. Step-by-step on linking accounts and why the miles subscription is a mistake.
Strategy & Earning 5 min
Wunschgutschein & Triple Dip: How to Earn Points Multiple Times (2026)
With the Wunschgutschein strategy you earn PAYBACK and AMEX/M&M points at the same time. The triple dip concept explained.
German Cards 8 min
Miles & More Welcome Bonus 2026: Current Bonuses at a Glance
Miles & More welcome bonus 2026: Gold Private 20,000 miles, Gold Business 50,000 miles — each with 4 lounge vouchers + 40 points if you apply by 30 November 2026.
Strategy & Earning 11 min
Telekom Bill: Earn Points with AMEX & PAYBACK
How to automatically earn AMEX Membership Rewards & PAYBACK points on your Telekom bill. MultiGuthaben + Wunschgutschein strategy explained.
Redeeming Points 9 min
Redeeming AMEX Points: How to Get Up to 4 Cents per Point (2026)
Redeeming AMEX Membership Rewards the right way: The 3 best transfer partners, value table & the 2 most common mistakes that devalue your points. Step-by-step guide.
German Cards 8 min
Credit Cards With Welcome Bonus 2026: Up to 200,000 Points (Comparison)
The highest welcome bonuses in 2026: AMEX Platinum Business (200,000 MR), Gold (50,000 MR), Miles & More Gold (20,000-50,000 miles). All cards, terms and deadlines compared.
Basics 7 min
AMEX vs Miles & More: Why You Need BOTH (2026)
AMEX points CANNOT be converted directly into Miles & More! Why you still need BOTH systems and how the combination of AMEX MR + M&M miles works.
Redeeming Points 9 min
Booking Business Class with Miles: Fly from 45,000 Miles (2026 Guide)
Book a Business Class award flight from 45,000 miles - step by step. Dynamic pricing explained, best routes, finding availability. With concrete examples.
Strategy & Earning 9 min
Collecting PAYBACK Points 2026: 11 Tips for 3× More
PAYBACK 2026 — 11 strategies for 3x more points: dm coupon stacking, EDEKA & Aral multipliers, triple dip. Plus the current 2026 partner list and which card gives you the most points.
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