Miles & More® World Elite Mastercard® vs Sun Country Airlines® Visa Signature® Card
Side-by-side comparison
| Miles & More® World Elite Mastercard® | Sun Country Airlines® Visa Signature® Card | |
|---|---|---|
| Annual fee | $89 | $89 |
| Welcome offer | 60,000 miles | 25,000 points |
| Dining | 1x | 1x |
| Groceries | 1x | 2x |
| Gas | 1x | 2x |
| Travel | 2x | 3x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $310 | $409 |
| Points type | Locked to Miles & More | Locked to Sun Country Rewards |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Miles & More® World Elite Mastercard® | Sun Country Airlines® Visa Signature® Card |
|---|---|---|
| Welcome bonus | 60,000 miles | 25,000 points |
| To earn it | $3,000 in 90 days | $1,000 in 90 days |
| Est. first-year value* | $821 | $570 |
| Est. ongoing value / yr* | $221 | $320 |
This one splits by time horizon. In year one the Miles & More® World Elite Mastercard® is ahead by roughly $251, thanks largely to its welcome offer. But the Sun Country Airlines® Visa Signature® Card earns more every year after, so if you keep it, it overtakes the Miles & More® World Elite Mastercard® after about 4 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Miles & More® World Elite Mastercard®. Planning to keep it for years? The Sun Country Airlines® Visa Signature® Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Miles & More® World Elite Mastercard® | Sun Country Airlines® Visa Signature® Card |
|---|---|---|
| Lounge access | Yes | None |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, only the Miles & More® World Elite Mastercard® gets you into airport lounges. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Miles & More® World Elite Mastercard® earns about $310 a year in rewards and the Sun Country Airlines® Visa Signature® Card about $409, valuing every point at a flat 1 cent. The Miles & More® World Elite Mastercard® charges $89, which you clear through its rewards and perks. The Sun Country Airlines® Visa Signature® Card charges $89, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Sun Country Airlines® Visa Signature® Card delivers more total value, about $100 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Miles & More® World Elite Mastercard® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Sun Country Airlines® Visa Signature® Card if your spending leans toward groceries, gas, travel.