--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Miles & More Credit Card" developer_entity: "Deutsche Kreditbank AG" bundle_id: "de.okk.mam" app_store_id: "1375967750" category: "Finance" primary_platform: "ios" primary_monetization: "Subscription" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-03-04" report_date: "2026-08-16" last_verified: "2026-08-16T00:00:00.000Z" report_version: "2.13.0" total_reviews: 8861 overall_rating: 3.1 sentiment: "Upset" sentiment_score: 20 confidence: "high" confidence_score: 0.7 top_praise_theme: "Card control features allow users to activate or deactivate individual countries for increased security" top_complaint_theme: "Forced app updates that are not available in the store create an endless loop preventing access" review_sample_size: 50 total_review_count: 50 analyzed_review_count: 50 data_age_days: 51 momentum_velocity: "maintenance" intelligence_version: 3 tags: ["finance", "subscription", "upset sentiment", "mobile app", "app review", "app analysis", "frequent", "travelers", "lufthansa"] canonical_url: "https://marlvel.ai/apps/miles-more-credit-card" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Miles & More Credit Card Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Subscription - **Signal**: Rating 3.1 · Sentiment Upset - **Recent focus**: Forced app updates that are not available in the store create an endless loop preventing access (top complaint) · Card control features allow users to activate or deactivate individual countries for increased security (top praise) > **TL;DR:** Miles & More Credit Card is a finance app by Deutsche Kreditbank AG, rated 3.1/5 by 8.9K users, with Upset user sentiment (20/100), available on iOS & Android. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Miles & More Credit Card faces Upset user sentiment (3.1/5 from 8.9K reviews), with users reporting forced app updates that are not available in the store create an endless loop preventing access as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 3.1/5 (8.9K reviews) | | **User Mood** | Upset | | **Category** | Finance | | **Developer** | Deutsche Kreditbank AG | | **Pricing** | Subscription | | **Platforms** | iOS & Android | | **Confidence** | High (0.7/1.0) | | **Data Age** | 51d | ## Metadata & Market Performance - **Publisher:** Deutsche Kreditbank AG - **Category:** Finance - **Target Audience:** Frequent travelers and Lufthansa customers seeking to accumulate miles through daily credit card spending. - **Platforms:** iOS & Android - **Version Reviewed:** 4.12.1 - **Report Date:** 2026-08-16 - **Signal Count:** 50 reviews analyzed - **Confidence:** High (0.7/1.0) - **App Store ID (iOS):** 1375967750 - **Bundle ID:** de.okk.mam - **Google Play ID:** de.okk.mam - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-08-16 ## Executive Snapshot **What it is:** Miles & More Credit Card is a mobile banking app for Lufthansa loyalty members to manage credit card transactions and redeem miles on iOS and Android. **Why users hire it:** The app removes the friction of manual point tracking by displaying real-time balances and enabling direct point redemption at the point of sale. ## App DNA (Features & Intent) - **[Differentiator] MilesPay:** Allows users to redeem collected miles for payments at Mastercard-accepting merchants, increasing utility and transaction volume. - **[Standard] Card Control:** Provides granular security settings for individual transactions, increasing user trust and reducing perceived risk. * *User Intent:* Users prioritize data protection and trust in the platform. - **[Standard] Biometric Login:** Enables authentication via Touch ID or Face ID, reducing session friction. * *User Intent:* Users are motivated by consistent progression and daily incentives. ## Market Position {#market-position} Miles & More Credit Card maintains a niche position within the finance category, supported by 8,861 total ratings across platforms. The current 165-day update gap signals a maintenance-only posture that limits competitive responsiveness. ## Monetization Strategy - **Model:** Subscription - **Tiers:** MyFlex Credit Card at 0 EUR/month, Blue Credit Card at 5.50 EUR/month, Gold Credit Card at 11.50 EUR/month - **Analysis:** Tiered subscription model based on card benefits, with an entry-level free tier and premium options providing insurance and status perks. ## 🔴 User Sentiment (High Confidence: 50 of 50 reviews analyzed) {#user-sentiment} - **Overall Rating:** 3.1/5 - **Platform Split:** iOS 4.0/5 (23 ratings) | Android 3.1/5 (8.8K ratings) - **Overall Sentiment:** Upset ### Top Praises - **Card control features allow users to activate or deactivate individual countries for increased security** ### Top Complaints (Impact Areas) - **Forced app updates that are not available in the store create an endless loop preventing access** ## SWOT Analysis {#swot} **Core Strengths:** - MilesPay integration provides a direct utility-based retention loop for loyalty members **Growth Levers:** - Stabilizing the notification-based authorization flow would resolve primary transaction barriers ## Recent Changes (v2 → v3) {#recent-changes} The app's strategic narrative has shifted from an urgent call for technical remediation to a characterization of its maintenance-only status as a deliberate cost-control measure. No functional improvements have been deployed, and the core user experience remains constrained by the same authentication and update-loop regressions. **Overall trend**: Stable **Compared at**: 2026-08-16 ### High-impact changes - **[Shifted] Strategic Positioning** (positioning) ### Medium-impact changes - **[Shifted] SWOT Analysis Refinement** (swot) - **[Shifted] PM Action Item Reasoning** (positioning) ## What's New - **Latest (v2.13.0, 6 months ago):** Removed Google Pay functionality and associated screens. ## App Momentum (Maintenance) {#momentum} - Ships no new features for 165 days. - Maintains maintenance-only update cadence. > **Cadence:** 2 total versions · 0 majors in last 6 months · 165 days since last update · 37 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Miles & More Credit Card is a finance app. With a 3.1/5 rating from 8.9K reviews, it faces significant user friction. > **Bottom Line:** Addressing the authentication and update-loop failures would stabilize the core user base, as the current technical instability prevents the app from delivering its primary value proposition of secure, real-time financial management. **Best for:** Frequent travelers and Lufthansa customers seeking to accumulate miles through daily credit card spending. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Rebuild authentication flow because credential loss is a top-tier user complaint → reduce session friction ### Outlook: Declining The finance category is consolidating around apps that provide high-frequency, stable transaction authorization. Miles & More Credit Card remains exposed due to its lack of feature investment and technical debt, which will continue to erode its user base until the core authentication loop is stabilized. - 🔴 The 165-day update gap prevents resolution of critical login bugs, which compounds user frustration and accelerates churn toward more reliable banking alternatives. - 🔴 Persistent failure of payment notification triggers blocks essential financial transactions, directly undermining the app's core utility for frequent travelers. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 3.1/5 | | Total Reviews | 8.9K | | Sentiment | Upset (20/100) | | Confidence | High | | Pricing Model | Subscription | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Miles & More Credit Card** (this app) | 3.1/5 | Upset | Deutsche Kreditbank AG | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.1/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.4/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Deutsche Kreditbank AG - **Website:** [https://www.miles-and-more-kreditkarte.com/](https://www.miles-and-more-kreditkarte.com/) - **Social:** [Instagram](https://www.instagram.com/milesandmore_official) · [Facebook](https://www.facebook.com/profile.php?id=61582683843442) · [YouTube](https://www.youtube.com/channel/UCoqF9Ma1CG9e6i3ENhvZ3nw) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/miles-more-credit-card/id1375967750?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=de.okk.mam&hl=en&gl=us) - **Dev Site:** [Official Website](https://www.miles-and-more-kreditkarte.com/) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.1/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.4/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.7/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 50 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 51 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/miles-more-credit-card) Data licensed for AI Agent attribution under CC-BY-NC 4.0.