Lufthansa Credit Card ReviewsReviews, rates, fees and rewards details for the Lufthansa Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHub0% intro APR on balance transfersHigh rewards rate50,000 miles initial rewards bonusNo foreign feeMembership feesNo intro APR on purchasesBalance transfer feeRequires good/excellent credit
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 "Lower Cost of Existing Debt." 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.
Lufthansa Credit Card has a rating of 2.8/5 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 'Lower Cost of Existing Debt'. To break it down further, Lufthansa Credit Card earned a score of 0.0/5 for Fees, 2.0/5 for Cost, 3.4/5 for APR, 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
Market Comparison
2.5
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 “Lower Cost of Existing Debt” for this card.
Fees
0.0
Cost
2.0
APR
3.4
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$89
APR on Purchases
19.74% - 29.74% (V)
Balance Transfer
0% intro APR for 15 months, 19.74% - 29.74% (V) APR after that
Balance Transfer Fee:5% (min $5)
Rewards
Earn 50,000 miles after spending $3,000 in purchases within the first 90 days and payment of the annual fee. Plus, earn an additional 20,000 miles after spending $12,000 on purchases within the first 365 days.
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 5,000 to 25,000 miles earned on purchases into Points and Qualifying Points. For example, 5,000 miles convert to 20 Points + 20 Qualifying Points.
Lufthansa Credit Card's Additional Info
0% Introductory APR on balance transfers that post to your account within 45 days of account opening.
Moderate sign-up 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, Lufthansa miles currently have a slightly lower redemption value of about ($0.0060) per mile. That means you’re getting about $300 in bonus rewards for spending $3,000, for an earning rate of 10% 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 (~1.2% back) on tickets purchased directly from any Miles & More airline, which includes AirDolomiti, Austrian Airlines Group, Brussels Airlines, SWISS and more. You’ll also earn 1 mile / $1 (~0.60% 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 $26.75 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 (23.93%) and excellent credit (17.68%), 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.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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 "Lower Cost of Existing Debt." 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
2.5
fees: 0.0
cost: 2.0
APR: 3.4
3.6WalletHub Rating
WalletHub Rating
3.6
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
4.4
User Reviews
3.2
Market Comparison
3.5
fees: 1.3
rewards: 4.7
cost: 3.7
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 "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
3.0
User Reviews
3.8
Market Comparison
4.4
fees: 1.3
rewards: 4.8
cost: 5.0
Other Features: 5.0
(154)
(334)
(747)
annual fee$89
annual fee$795
annual fee$895
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
transfer intro aprNot Offered
transfer intro aprNot Offered
Regular APR19.74% - 29.74% (V)
Regular APR19.99% - 28.49% (V)
Regular APRSee Pay Over Time APR
rewards rate 1 - 2 miles / $1
rewards rate 1 - 8 points / $1
rewards rate 1 - 5 points / $1
bonus offer50,000 miles
bonus offer 125,000 points
bonus offer As High As 175,000 points. Find Out Your Offer.
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 offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Lufthansa Credit Card credit score requirement is 700 or higher. That means people with good credit may have a decent shot at getting approved for the Lufthansa Credit Card. You can check your credit score for free here on WalletHub to see if you qualify.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Lufthansa Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
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.
A Lufthansa Credit Card mile is worth 0.6 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...
You can make Lufthansa Credit Card payment online, by phone, through the Barclays mobile app, or by mail. To pay your Lufthansa Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
You can get pre-approved for the Lufthansa Credit Card only if you receive an offer to apply. The issuer does not offer pre-approval through its website, so anyone interested in applying for the Lufthansa Credit Card will have to do so without the benefit of checking for pre-approval beforehand.
If you're looking for a credit card that you can get pre-approved for right now, feel free to check our selection for the best pre-approved credit cards. You can also use WalletHub's...
The Lufthansa Credit Card rental car insurance covers you in the event of collision or theft. To get the coverage, you must decline the rental agency's insurance and pay for the rental entirely with your Lufthansa Credit Card.
Key Things to Know About the Lufthansa Credit Card Rental Car Insurance
File Claims For Domestic Rentals Through Primary Insurance First. The Lufthansa Credit Card rental car insurance benefit provides secondary coverage for domestic rentals, so you will have to file a...
The Lufthansa Credit Card travel insurance benefit includes travel accident insurance and rental car insurance. Travel accident insurance covers you for up to $250,000 in the event of loss of life or serious injury. Rental car insurance provides coverage for damage to the rental vehicle that results from collision or theft. To get coverage, the trip and rental purchases have to be charge to the card.
To file a Lufthansa Credit Card travel insurance claim, you'll have to...
To talk to Lufthansa Credit Card customer service, call (866) 928-8598 and then enter your card number or the last 4 digits of your Social Security number and follow the automated prompts . This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Lufthansa Credit Card Customer Service by Phone
Call the Lufthansa Credit Card customer service department. You can...
No, you cannot use your Lufthansa Credit Card instantly after approval. You will have to wait 7-10 business days for the card to be delivered, before you can start using it.
If you need the card sooner, you can always request expedited shipping while filling out the application. With rushed delivery, you should receive the card in no more than 3 business days. Keep in mind that there is a fee of $15 if you want...
Share your insights and review for the Lufthansa Credit Card
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10%
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68%
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3.6
154 reviews
154 reviews
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veronika_stourac @veronika_stourac
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1 Star Rating
Very disappointed! Do not make the same mistake as I did, this card and rewards program is not worth it! I applied and got approved, I spent the required $ and received my bonus miles. I called and was approved for the companion ticket (following all the rules Lufthansa set) and when I wanted to book the tickets they couldn’t find flights for me. Same with bonus miles-very few flights to choose from!
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PAULOPNH @PAULOPNH
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1 Star Rating
Awful experience - it does not work for international payments. Have tried British airwarways, Finnair TAP Portugal , all denied. Authentication failed. Customer service has no idea, hours wasted. Stay away
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0
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Bob dick head @Jimencalada
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1 Star Rating
DO NOT SIGNUP! You will NEVER see your lounge vouchers issued, and the companion ticket is a complete scam. High rates do NOT honor benefits, and their customer service is worthless.
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2
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Kay Mayhew @sledor
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1 Star Rating
This card is CRAP! Barclay-highest rates, lowest card limits, fails to honor benefits, rude staff &unable to use companion fares.
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1
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hgarn @hgarn
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1 Star Rating
Fulfilled all promotional requirements. Six months later still waiting for the 50,000 miles. I would never have joined if I would’ve known this would happen. Multiple calls, lots of energy spent, for what?
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1
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Pamela Corley @pamelacorley
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1 Star Rating
Total waste of money. I never received my sign up bonus. I paid the annual fee plus charged more than $3000 on the credit card within the first 90 days as advertised. But no miles were ever deposited into my account. I called customer service multiple times and they will not help me. They are clueless. No one can tell me why I don’t have my miles. This is a joke. I have both the United Explorer card and the American Aadvantage card. They gave me the miles right away, just as advertised. Don’t waste your time and money with this one.
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2
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saclark_daniel @saclark_daniel
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1 Star Rating
I signed up and got an initial denial only to get a letter asking me to mail copies of my Drivers license, SS Card and utility bill to a PO Box in Delaware. In todays world there are much better ways to receive these documents. A company that disregards the security of my data this much will not get my business.
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andrea_stefani @andrea_stefani
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1 Star Rating
Completely unreliable bank booking dates. I've lost the miles I had before opening the account, which was the reason I opened it in the first place. Customer service never replied to my emails, only phone calls work, sometimes. Overall the worse customer experience I ever had with any banking/credit-card service in Europe.
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SUMIT CELLY @sumitcelly
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1 Star Rating
This card has most horrible service possible. For the last 3 weeks at least, their web site does not allow me to book hotels or rental car. I have never heard of a professional company that can afford to have their booking web site down for so long. I am not sure how a company like this stays in business. Maybe its just their brand name. And then on calling the 1800 number, I am told that hotels cannot be booked on the phone as well due to a lack of access. WOW! I would give them 0 stars if i could.
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sambassan @sambassan
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1 Star Rating
Don\'t waste your time and I wouldn’t be surprised if most of the good reviews on here are paid for by Lufthansa. We were misinformed by a Lufthansa employee about the companion ticket, which is the only reason we applied for the credit card in the first place. It is pretty much worthless, compared to most other credit cards. My wife and I want to take a trip in September from Denver to Stuttgart (Denver to Frankfurt and Frankfurt to Stuttgart) and fly back to Denver from Rome (Rome to Munich and Munich to Denver). On Lufthansa’s website the price shows at $1,828 per ticket. When you call to book with the companion pass, it was not only $3,300 per ticket, since the online pricing is “promotional”, but they claimed that the Frankfurt to Stuttgart flight was “Lufthansa Cityline” and not Lufthansa, so it cannot be part of the companion pass. That’s another $125 per ticket, so in total this would cost $1,775 per person with the companion pass, or $1,828 without. For two people that’s a difference of $106 and once you factor in the $89 annual fee, we just saved a whopping $17…Tore up my credit card and I will never fly Lufthansa again, just out of principal! What a rip-off!
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hgarn @hgarn
There should be a way to take these suckers to court.
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+ 144 WalletHub users submitted a rating without writing a full review
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