Miles · Mastercard · $89 annual fee
Last verified 2026-09-09. Review issuer source
Barclays Miles & More World Elite Mastercard is a $89-a-year miles card from Barclays. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards. Rewards are Miles & More miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $82, $7 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 70,000 miles after $4,000 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Miles & More often enough to use the lounge access. A general travel card earns points that go more places.
Earn 2 award miles per $1 spent on Miles & More ticket purchases
Earn 70,000 miles if you spend $4,000 in purchases and pay the annual fee in full, both within the first 90 days.
Convert award miles earned on purchases into status miles. Once each calendar year, you can convert 5,000 to 25,000 award miles at a 5 to 1 ratio. For example, 5,000 award miles convert to 1,000 status miles.
Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
Receive two complimentary Lufthansa Business Lounge Vouchers after each account anniversary.
0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 20.49%, 24.49% or 29.49%, based on your creditworthiness. There is a fee for balance transfers.
On international purchases.
After each account anniversary (taxes and fees apply).
You can redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance Airlines and other partners.
These come from Mastercard, not from Barclays. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Miles & More® World Elite Mastercard®This card · 1x on everything | $89 | $82 | −$7 | 1114th of 1,291 |
| The AARP® Travel Rewards Mastercard®Barclays's most-held other card · 3% on airfare | None | $342 | +$342 | 519th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
