Miles & More Welcome Bonus 2026: Current Bonuses at a Glance

Quick answer: Current M&M welcome bonuses (as of 7 November 2026): Gold Private 20,000 miles, Gold Business 50,000 miles — each plus 4 lounge vouchers and 40 points if you apply between 1 October and 30 November 2026. Blue Private 500 miles, Blue Business 1,000 miles, both + 40 points (until 31 December 2026). The Blue “12 months of no card fee” promotion expired on 30 September 2026. Recommendation: Blue Private for mileage-expiration protection, Gold for the big bonus and the insurance package. Combine with AMEX Gold + PAYBACK AMEX for maximum points.

The Miles & More credit cards start the autumn with the biggest welcome bonus in years: apply for a Gold card between 1 October and 30 November 2026 and you get 20,000 miles (Gold Private) or 50,000 miles (Gold Business) — plus 4 lounge vouchers for the Lufthansa Business Lounges and 40 status points. Until now the Gold cards came with 4,000 miles. The 40 status points that had disappeared in spring 2026 have been part of the welcome bonus of all four cards again since July. The Blue promotion with 12 months of no card fee expired on 30 September 2026.

Here you’ll learn which card is worth it for you and how to lock in the bonus.

The current welcome bonuses

Card	Welcome bonus	Campaign until	Annual fee	Apply for card
Gold Business	50,000 miles + 4 lounge vouchers + 40 points	Apply by 30 November 2026	€11.50/month	Get it now*
Gold Private	20,000 miles + 4 lounge vouchers + 40 points	Apply by 30 November 2026	€11.50/month	Get it now*
Blue Business	1,000 miles + 40 points	31 December 2026	€5.50/month	Get it now*
Blue Private	500 miles + 40 points	31 December 2026	€5.50/month	Get it now*

The Gold promotion is time-limited. It applies to card applications received between 1 October and 30 November 2026. The 4 lounge vouchers each grant one-time access to a Lufthansa Business Lounge (a valid Lufthansa Group ticket is required), are valid for 12 months and are delivered to your Miles & More inbox no later than 8 weeks after the promotion ends. The Blue promotion with 12 months of no card fee (applications 1 to 30 September 2026) has expired — the Blue cards are back to their regular €5.50/month. The €100 Lufthansa voucher on the Gold cards expired on 31 August 2026.

The conditions people tend to skip

• No frequent flyer status (Gold): On the Gold cards, miles, points and lounge vouchers are only credited if you hold no frequent flyer status at the time of application. As a Frequent Traveller, Senator or HON member you get nothing there. The Blue card terms do not mention this restriction.
• New customer rule: No Miles & More credit card issued by Deutsche Bank may have been active in your name in the last 12 months.
• Keep it for 12 months: If you cancel or switch the card product within the first year, the miles and points are clawed back.
• Not combinable with benefits from other promotions.

Which card is right?

Gold cards (20,000 or 50,000 miles)

Advantages:

• Much higher welcome bonus: 20,000 miles (Private) or 50,000 miles (Business), plus 4 lounge vouchers
• 1 mile per €2 spend (1 mile per €1 on the Gold Business)
• Travel insurance included
• Marriott Bonvoy Silver Elite status

Worth it for:

• Card spend over €500/month
• Anyone who needs travel insurance
• Anyone actively collecting miles

Recommendation: The Miles & More Gold Business* is the best entry point for self-employed people and anyone who wants to actively collect miles.

Blue cards (500-1,000 miles)

Advantages:

• Lower annual fee (€66 vs €138)
• Mileage-expiration protection: all miles remain valid indefinitely from card issuance, regardless of spend
• A good entry into the Miles & More system

Worth it for:

• Beginners at collecting miles
• Lower monthly card spend
• Anyone who already has other travel insurance

Business vs. Private?

The cards are nearly identical — except for the welcome bonus: the Gold Business currently gets 50,000 miles, the Gold Private 20,000. The other differences:

• Business cards: For the self-employed, freelancers, entrepreneurs — separate billing for business expenses
• Private cards: For everyone else

Tip: Small business owners and freelancers can apply for business cards too.

How to lock in the bonus

Step 1: Choose a card

Decide between Gold or Blue, Business or Private. When in doubt: Gold Business has the best value for money for active collectors.

Step 2: Apply online

The application takes about 10 minutes:

1. Go to the Miles & More website
2. Select a credit card
3. Enter your personal details
4. Verify your identity (VideoIdent or PostIdent)
5. Submit the application

Step 3: Meet the conditions

The current promotion terms do not mention a minimum spend. The requirement is that the card is applied for and issued within the promotion period; on the Gold cards it must also be active at the time of crediting. If you cancel or switch products within the first 12 months, the miles and points are deducted again.

Step 4: Get your miles credited

The welcome miles are automatically credited to your Miles & More account — usually within 4-6 weeks after you meet the conditions.

What you can do with the welcome miles

20,000 miles (Gold Private) or 50,000 miles (Gold Business) is a real head start — and even the 500 to 1,000 miles on the Blue cards are a beginning:

• Upgrade: the welcome miles can enable an upgrade on a short-haul flight
• Collect: Combined with other strategies, your account grows quickly
• Donate: Miles & More offers mileage donations for charitable causes

The real value lies in the system: once set up, you collect miles on every card transaction — and the cards protect your miles from expiring.

Miles & More vs. AMEX — Which is better?

Miles & More cards are ideal for Lufthansa frequent flyers. But for maximum point yield, combining them with AMEX cards is worthwhile.

Important to know: AMEX Membership Rewards CANNOT be transferred directly to Miles & More. They’re two separate systems. But AMEX MR offer significantly higher welcome bonuses (up to 200,000 points) and their own redemption options.

More on this:

• Miles & More vs AMEX: What’s the difference?
• Redeeming AMEX points: The complete guide
• Booking business class with miles

Frequently asked questions

Can I apply for multiple cards?

Yes, you can have both a business and a private card. According to the promotion terms, however, the welcome bonus only applies if no Miles & More credit card from Deutsche Bank has been issued to you in the last 12 months — if you already have or recently had a card, the second card comes without a welcome bonus.

Are there still the 40 status points as a bonus?

Yes. The 40 points did drop out between May and June 2026, but they have been part of the welcome bonus again since July 2026 — on both the Gold and the Blue cards. On the Gold cards, the condition is that you hold no frequent flyer status when you apply.

How do the 4 lounge vouchers on the Gold cards work?

If you apply for a Gold Private or Gold Business card between 1 October and 30 November 2026, you receive 4 lounge vouchers in addition to the miles and the 40 points. Each voucher grants one-time access to a Lufthansa Business Lounge and can only be used with a valid Lufthansa Group ticket. The vouchers are valid for 12 months and are delivered to your Miles & More inbox no later than 8 weeks after the promotion ends. The Blue promotion with 12 months of no card fee expired on 30 September 2026.

Is the €100 Lufthansa voucher still available?

No. The voucher promotion on the Gold cards only ran for applications from 31 July to 31 August 2026 and has expired. Instead, the Gold cards now come with 20,000 miles (Private) or 50,000 miles (Business) + 4 lounge vouchers + 40 points if you apply by 30 November 2026.

Do I need a Miles & More account?

Yes, but it’s free and created in 2 minutes. You can set it up directly during the card application.

Is the card worth it even without a high welcome bonus?

For frequent flyers, yes — collecting miles on every transaction adds up, and the cards protect all your existing miles from expiring.

All cards at a glance

Besides Miles & More, there are other cards with strong welcome bonuses. Here’s the complete overview:

See also: Credit cards with a welcome bonus 2026: Current overview

Conclusion

The Miles & More credit cards are a solid building block in the miles system:

• 20,000 miles (Gold Private) or 50,000 miles (Gold Business) welcome bonus + 4 lounge vouchers (apply by 30 November 2026)
• Mileage-expiration protection for M&M miles
• Cheapest entry with Blue Private (€5.50/month)

My recommendation: Apply for Miles & More Gold Business now*

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The Miles & More credit card is a solid building block in the miles system. The Premium Handbook shows you how to optimally combine it with AMEX cards and reach 500,000+ points a year.