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What is the best replacement for your UK Lufthansa Miles & More credit card?

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MBNA wrote to holders of the Lufthansa Miles & More credit card on Wednesday to tell them that it is closing on 28th July.

This is the last of the MBNA airline credit cards to receive ‘the letter’.  Quite a few of you may have these cards as holding and using the Miles & More credit card stopped your miles expiring.  There is no other way, unless you have Lufthansa status, to stop your Miles & More miles expiring three years after you earn them.

Today I thought I would run through the options if you still want to collect Miles & More miles from a credit card, or want an interesting alternative from another airline.

Lufthansa A340

Please note that even though there are other ways of earning Miles & More miles from a credit card, they will NOT stop your miles from expiring.  Only an official Lufthansa credit card can do that.

Why did this happen?

You should NOT assume that these cards will return under a new issuer.

Two linked events caused this.  The core driver was the European Union cap on interchange fees.  This restricted the fee that payment processors could charge retailers for accepting credit cards to 0.3%.   It is very difficult to run a successful mileage card on this basis.

The second driver was American Express being caught up in the 0.3% cap, even though it was originally expected to be exempt.  American Express decided to pull all of its licensed cards from the market, which means that MBNA, Lloyds, TSB and Barclays had to stop issuing Amex-branded products such as the Miles & More cards.

What is your best alternative to the Miles & More UK credit cards?

There are a number of ways of looking at this.  Let’s run through them.

Scenario 1:  You want a card which still lets you earn Miles & More miles

The good news is that there are still ways to earn Miles & More miles from a credit or charge card in the UK.  The earning rate is OK too.

The highest miles earning option is the Starwood Preferred Guest American Express credit card.   You earn 3 points per £1 spent, and these convert at 3:1 into Miles & More miles.  If you convert in chunks of 60,000 points you get a 5,000 mile bonus, meaning that you are actually getting 1.25 Lufthansa miles per £1 spent.

It isn’t as generous as the MBNA credit card, which gave 1.5 miles per £1 on the American Express element and had no annual fee, but it isn’t bad.

The annual fee on the SPG card is £75 and you get a sign-up bonus of 30,000 points (10,000 Miles & More miles).  This makes the card well worth getting for the first year at least.

Lufthansa is not an American Express Membership Rewards partner.  This means that getting one of the two Membership Rewards cards – either American Express Preferred Rewards Gold or American Express Platinum – is not hugely attractive.

These cards give you 1 Membership Rewards point per £1 spent.  You would need to convert them to Starwood Preferred Guest at the weak rate of 2:1 and then onwards to Miles & More.  This means that you are only getting 0.5 Miles & More miles for every £1 spent on Amex Gold or Amex Platinum.

These cards do, however, come with good sign-up bonuses.  Amex Gold comes with 20,000 points for signing up, whilst Amex Platinum comes with 30,000 points.  Amex Gold is free for the first year.

Whilst I do NOT recommend this as the best way of earning Lufthansa miles long term (the SPG card is the way to go), taking out a ‘free for a year’ American Express Preferred Rewards Gold, moving the 20,000 bonus points to Starwood and converting them to 10,000 Miles & More miles is worth considering.

IHG Rewards Club credit card free

Scenario 2:  You specifically want a Visa or Mastercard to collect Miles & More miles

Earning Lufthansa miles from a Mastercard or Visa now is trickier and less lucrative.  You can’t get anywhere near the 0.75 mile per £1 that the free MBNA Miles & More Visa card offered.

The only slightly decent Visa / Mastercard option is via the IHG Rewards Club Mastercard (0.2 miles per £1, assuming you convert 10,000 IHG points into 2,000 airline miles) or, with the £99 IHG Rewards Club Premium Mastercard, 0.4 miles per £1.

There is a sign-up bonus on these cards.  The free IHG Mastercard comes with 10,000 IHG points, worth 2,000 Miles & More miles.  The £99 Premium card comes with 20,000 IHG points, worth 4,000 Miles & More miles.

Best American Airlines UK credit card replacement

Scenario 3:  You want a high-earning Visa or Mastercard and are willing to move away from Miles & More

Without a doubt, the two Virgin Atlantic Mastercards are the most generous Visa or Mastercard products available – either the Virgin Reward Mastercard (free, 5000 miles bonus) or Virgin Reward+ Mastercard (£160, 15000 miles bonus).

You get 0.75 miles per £1 on the free card and 1.5 miles per £1 on the paid card.  This is FAR better than any Avios or hotel card.  The free Virgin Atlantic card equals, at 0.75 miles per £1, what you were getting for non-Amex spend from your old free Miles & More credit card.  You also get a 2-4-1 or upgrade redemption voucher for hitting spending targets.  The only downside is that, with no short haul routes, you are unlikely to earn enough miles purely from the credit card to get a good redemption so the cards are best suited to regular Virgin flyers.

The best long-term cards for an Avios / Asia Miles / Etihad Guest / Singapore Krisflyer collector (if you have a high income) are the HSBC Premier Mastercard or HSBC Premier World Elite Mastercard There earn 0.5 miles per £1 on the free card and 1 mile per £1 on the £195 World Elite card.  You need to open a HSBC Premier current account and meet their strict income and investment criteria, however.

If you simply want a free Visa or Mastercard and collect Avios, the best option is the Tesco Clubcard Mastercard.  You get 1 Clubcard point per £8 spent which translates into 0.3 Avios per £1.  However Tesco rounds down each transaction to the nearest £8 which means your actual earning rate is lower.  You get extra value because Clubcard points have many uses – as well as Avios, you could send them to Virgin Flying Club or a totally different Clubcard partner altogether, such as Uber or

Scenario 4:  You want a credit card which allows you to collect a different sort of Star Alliance miles

I ran through these options yesterday in my article on the United Airlines card.  Rather than repeat it all again, I suggest you click here and read that article.

Put simply, by using either the Starwood Amex or Amex Gold or Amex Platinum you can earn 1 Star Alliance per £1 spent with the following airlines: Aegean, Air Canada, Air China, Air New Zealand, ANA, Asiana Airlines, SAS, Singapore Airlines, Thai Airways and United Airlines.

Want to earn more points from credit cards? – May 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

Marriott Bonvoy American Express

HUGE 60,000 POINTS BONUS UNTIL 3rd JULY and 15 elite night credits each year Read our full review

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Virgin Atlantic Reward+ Mastercard

18,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Capital on Tap Business Rewards Visa

10,000 points bonus – plus an extra 500 points for our readers Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (33)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Jay says:

    I couldn’t help but desperately hoped that the legacy stand-alone M&M Visa Platinum, which doesn’t tie to Amex, wouldn’t be affected by this, but it is! So literally no more airline credit cards from MBNA.

    If there’s no alternative official UK M&M credit card (with main benefit of stoping the miles from expiring) I might as well switch to SAS Eurobonus, since the points expire after 5 years (compared to 3 years on M&M) and you can transfer Amex MR points too.

  • Jzk says:

    Hi guys, Can you clarify a few things:
    1. SPG card – website does not show interchangeability with Lufthansa M&M, where did you get these stats from?
    2. Do you know why the M&M card is being pulled and why no one else is picking it up?
    3. You say: “there is no other way to stop your Miles & More miles expiring three years after you earn them” – but it was my understanding Miles shouldn’t expire so long as you are depositing miles within that 36 month period? So that, if I fly at least ONE Star Alliance Flight before the 36 months is up, shouldn’t I be ok?

    • Rob says:

      Miles & More is on the list! I have done it. The article explains why the card financially makes no sense any longer unless Lufthansa wants to run it at a loss like Virgin as a marketing tool. The expiry policy you quoted is wrong – you cannot escape expiry without status.

      • JZK says:

        Thanks. Could you link to the SPG site with the ref to LH M&M transferability?
        Thanks in advance.

  • Phil says:

    Just called Miles and More UK after having received the MBNA letter. They said that whether or not you have status the miles expire only 1 year after the credit card ends. This also applies to miles that are older than 3 years. They did not have any further information than that but said that I “should not worry”.

  • Anthony says:

    Quick question, I have one card for each airline group (Oneworld, SkyTeam & Star Alliance) now my MBNA cards won’t keep my miles safe, what is the best replacement Star Alliance airline membership I should join to keep all future points collected safe?

    My mix has always been
    Oneworld – BA Exec moved to Avios & protected by collecting shell points
    SkyTeam – Delta (don’t expire)
    Star Alliance – Miles & More protected by MBNA

      • Anthony says:

        Thanks, I read that but I was looking more towards stopping expiry rather that best value, I’m an infrequent Star Alliance flyer and am more interested interested in keeping any points I have alive.
        Even if it was a program that allows you to keep points alive with activity.
        I am also able to earn points on any of these regularly (but I don’t think any will keep the Star Alliance account live):

        AER CLUB – Aer Lingus
        ASIA MILES
        BALTICMILES – Air Baltic
        ENRICH – Malaysian Airlines
        ETIHAD GUEST – Etihad
        FLYING BLUE – Air France & KLM
        IBERIA PLUS – Iberia
        JET PRIVILEGE – Jet Airways
        MILES & MORE – Lufthansa
        PPS Club and KrisFlyer – Singapore Airline
        QATAR PRIVILEGE – Qatar Airways
        VIRGIN ATLANTIC FLYING CLUB – Virgin Atlantic
        VUELING CLUB – Vueling

        ANA and Singapore cant be kept alive with activity from what I can see.

      • Anthony says:

        Do you think United would be the best Star Alliance FFP to join in place of Miles and More, my only criteria is a FFP that is easy to stop miles expiring as I will never make status and am looking for a program for long term saving, United appear the easiest.
        Even though i’m not a frequent flyer with Star Alliance I have managed to save 165,458 miles over the years which is not bad, but those are going to have to be spent as I have no way to protect them now, might just take Bicester village vouchers, I have been waiting for ages for Bicester village to do another Miles and More offer.

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