Miles & More® World Elite Mastercard®
The Miles & More® World Elite Mastercard® from Barclays earns up to 1.3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Earn 50,000 miles if you spend $3,000 in purchases and pay the annual fee in full, both within the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $89
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Miles & More World Elite Mastercard earn in each category?
Dining is the strongest category at 1.3% effective value (1x miles at about 1.3 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.3% effective value (1x miles at about 1.3 cents each). That dining rate ranks higher than about 13% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.3% |
| Gas Gas stations and fuel | 1x miles | 1.3% |
| Travel Flights, hotels, transit | 1x miles | 1.3% |
| Other General everyday spend | 1x miles | 1.3% |
Madeen values Miles & More at about 1.3 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Miles & More World Elite Mastercard?
The Miles & More World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Miles & More World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 13% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Less compelling if the $89 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $89 annual fee requires enough spend in bonus categories to offset.
- Miles & More value depends on how you redeem, not straight cash back.
Does the Miles & More World Elite Mastercard have an annual fee, and what's the welcome bonus?
The Miles & More World Elite Mastercard has an annual fee of $89 and a foreign transaction fee of None. New applicants may see: Earn 50,000 miles if you spend $3,000 in purchases and pay the annual fee in full, both within the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $89
- Foreign transaction fee
- None
- Signup bonus
- Earn 50,000 miles if you spend $3,000 in purchases and pay the annual fee in full, both within the first 90 days.
What travel perks does the Miles & More World Elite Mastercard include?
The Miles & More World Elite Mastercard includes Lounge access, Achieve Miles & More status faster, Earn 50,000 award miles, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Lounge accessLounge access - Receive two complimentary Lufthansa Business Lounge Vouchers after each account anniversary
What benefits come with the Miles & More World Elite Mastercard?
- Achieve Miles & More status faster
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
Earn 50,000 award miles if you spend $3,000 in purchases and pay the annual fee, both within the first 90 days.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite Mastercard®
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.
- Lounge access
Receive two complimentary Lufthansa Business Lounge Vouchers after each account anniversary.
- Low Introductory APR
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.
- LyftIncluded with World Elite Mastercard®
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.
Common questions about the Miles & More World Elite Mastercard
Does the Miles & More World Elite Mastercard have an annual fee?
The Miles & More World Elite Mastercard carries an annual fee of $89 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Miles & More World Elite Mastercard?
Dining is the strongest Madeen category for the Miles & More World Elite Mastercard at about 1.3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Miles & More World Elite Mastercard charge foreign transaction fees?
The Miles & More World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Miles & More World Elite Mastercard welcome bonus?
The Miles & More World Elite Mastercard welcome offer in our snapshot: Earn 50,000 miles if you spend $3,000 in purchases and pay the annual fee in full, both within the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Miles & More World Elite Mastercard annual fee worth it?
Whether the $89 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Miles & More World Elite Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Miles & More World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Miles & More World Elite Mastercard compare to similar cards?
Compare the Miles & More World Elite Mastercard against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Miles & More World Elite Mastercard This card | Dining | 1.3% | $89 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
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