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Lufthansa Credit Card

Lufthansa Credit Card

3.7WalletHub Rating

WalletHub Rating

3.7

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.5

User Reviews

3.6

Market Comparison

3.6

fees: 3.8

rewards: 3.4

cost: 3.9

Other Features: 0.0

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WalletHub Rating

3.7/5

Lufthansa Credit Card has a rating of 3.7/5 according to our proprietary credit card rating system. This rating reflects how appealing Lufthansa Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Airline Rewards'. To break it down further, Lufthansa Credit Card earned a score of 3.8/5 for Fees, 3.4/5 for Rewards, 3.9/5 for Cost, and 3.6/5 for User Reviews. Info about the Lufthansa Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.

WalletHub Rating Breakdown

User Reviews

3.6/5

154 reviewsRead and write reviews

Editor’s Review

4.5/5

John Kiernan, Credit Card EditorRead full review

Market Comparison

3.6

The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Airline Rewards” for this card.

Fees

3.8

Rewards

3.4

Cost

3.9

Other Features

0.0

3.6/5

Compared against 1,500+ credit cards

KEY TERMS

Excellent Credit, Good Credit

Annual Fee

$89

APR on Purchases

21.24% - 29.99% (V)

Balance Transfer

0% intro APR for 15 months, 21.24% - 29.99% (V) APR after that

Balance Transfer Fee 5% (min $5)

Rewards

Earn 50,000 award miles after spending $3,000 in purchases within the first 90 days and payment of the annual fee.

Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners and 1 award mile per $1 on all other purchases.

Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance Airlines and other partners.

Receive two one-time use complimentary Lufthansa Business Lounge vouchers, plus a Companion Ticket upon first purchase and on each account anniversary thereafter. Terms Apply.

Once each year, you can convert award miles to status miles at a 5 to 1 ratio. For example, 5,000 award miles converts to 1,000 status miles.

Lufthansa Credit Card's Additional Info

0% Introductory APR on balance transfers that post to your account within 45 days of account opening.

Learn More

at Barclays Bank US' secure site

Editor's Review
Fact checked

John Kiernan

April 2nd, 2024

Fact Checked by Alina Comoreanu

Senior Researcher

Lufthansa Credit Card Pros & Cons

0% intro APR on balance transfers

High rewards rate

50,000 miles initial rewards bonus

No foreign fee

Membership fees

No intro APR on purchases

Balance transfer fee

Requires good/excellent credit

Lufthansa Credit Card Review

Valuable initial bonus. You'll get 50,000 miles for spending at least $3,000 within 90 days of opening a Lufthansa Credit Card account. While most points/miles are worth about a penny apiece, each Lufthansa mile is redeemable for slightly more ($0.0166) than that amount. That means you’re getting about $830 in bonus rewards for spending $3,000, for an earning rate of 40% cash back.

Uniquely versatile airline rewards. Most airline-affiliated credit cards give you their maximum earning rates only when you buy tickets directly from the particular airline whose branding they bear. The Lufthansa Mastercard is a bit different, though. You’ll earn 2 miles / $1 spent (~3.32% back) on tickets purchased directly from any Miles & More airline, which includes Air Canada, Asiana Airlines and more. You’ll also earn 1 mile / $1 (~1.66% back) on all other purchases, but you’re probably better off using a general-purpose travel rewards card.

Extra perks annually. The Lufthansa Credit Card gives you a free companion ticket and two vouchers to a Lufthansa Business Lounge upon first purchase and each year thereafter. As long as you fly with a family member, colleague or friend at least once a year, these perks should more than cover the cost of the Lufthansa Card’s $89 annual fee.

Fairly high annual fee. To put the Lufthansa Mastercard’s $89 annual fee into context, the average credit card charges just $21.58 per year, according to WalletHub’s latest Credit Card Landscape Report. And while the best travel rewards cards have annual fees comparable to the Lufthansa Card’s, most waive the charge for the first year.

Not the card for financing. The Lufthansa Credit Card offers a 0% for 15 months introductory APR on balance transfers, which would be attractive if not for the 5% (min $5) balance-transfer fee that accompanies it. Similarly, you can easily do better than the Lufthansa Card’s regular APR, which could be well above the averages among credit cards for people with good credit (24.1%) and excellent credit (18.01%), according to WalletHub research.

Good credit or better needed for approval. The Lufthansa Miles and More Credit Card, as it is more formally known, generally requires good or excellent credit for approval. So if you’re interested, make sure to check your credit score for free on WalletHub before applying to confirm that you have a good shot at acceptance.

Compare The Lufthansa Credit Card vs. Popular Alternatives


3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.6 Market Comparison 3.6 fees: 3.8 rewards: 3.4 cost: 3.9 Other Features: 0.0	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.5 Market Comparison 4.2 fees: 5.0 rewards: 5.0 cost: 4.3 APR: 3.8	4.2WalletHub Rating WalletHub Rating 4.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.9 Market Comparison 4.2 fees: 5.0 rewards: 3.4 cost: 4.7 Other Features: 0.0
(154)	(5,103)	(425)
annual fee$89	annual fee$0	annual fee$0
Purchase Intro APRNot Offered	Purchase Intro APR0% for 15 months	Purchase Intro APR0% for 15 months
transfer intro apr0% for 15 months\|Transfer Fee: 5% (min $5)	transfer intro apr0% for 15 months\|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time	transfer intro apr0% for 15 months\|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*
Regular APR21.24% - 29.99% (V)	Regular APR19.99% - 29.99% (V)	Regular APR17.24% - 28.24% Variable
rewards rate 1 - 2 miles / $1	rewards rate 1.25 - 5 miles / $1	rewards rate 1.5 miles / $1
bonus offer50,000 miles	bonus offer 20,000 miles	bonus offerNone
Add to Compare	Add to Compare	Add to Compare
	Apply Now Rates & Fees	Apply Now Rates & Fees

Questions & Answers

Can't find what you are looking for? Submit your question about Lufthansa Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Do I get free baggage with the Lufthansa Credit Card?

Charlie Quinn

You do not get free baggage with the Lufthansa Credit Card.

If you are traveling on Lufthansa's "Economy Light" product, you are allowed one piece of carry-on baggage. This fare includes no free baggage allowance, however, a piece of checked baggage can be added to your booking for a fee.

First and Business class passengers are allowed two carry-ons.

Upvotes

What is the Lufthansa credit card miles value?

Roger Finlist

A Lufthansa Credit Card mile is worth 1.66 cents each, on average. Of course, that's only if you redeem them for Miles & More flights. If you use them for something else, their value will diminish.

Another thing to note is that the miles will expire after 36 months from the date that you earned them. If you want to know how to earn them, the best way to do that is to buy your...

View more answers

Upvote

How can I pay my Lufthansa Credit Card?

Chris Gilbert

You can pay your Lufthansa Credit Card online by signing in to your account or via the Barclays US app for iOS and Android.

You could also call 1-877-523-0478 or send your payment via mail to the following address:

Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337

Keep in mind that sending a payment via mail is the slowest option available. If you still decide to use it, make sure to post it...

Upvotes