Turkish Airlines Miles&Smiles Premier Visa Signature® Card Review
Overview
The Turkish Airlines Miles&Smiles Premier Visa Signature® Card is a category rewards card from Imprint, running on the Visa network. The Turkish Airlines Miles&Smiles Premier Visa Signature® Card earns up to 2x on dining, groceries, and travel, so it pays you the most exactly where you already spend. It carries a $99 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn 40,000 bonus miles after $8,000 in the first year.
It lands in the mid tier: a modest annual fee in exchange for stronger earn rates and a meaningful welcome offer. The right call depends on whether your spending and the perks clear that fee each year.
Think twice if: you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Our 6.0 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the Turkish Airlines Miles&Smiles Premier Visa Signature® Card earns its rewards is its bonus categories: 2x on dining (about $60 a year on the $3,000 a typical household spends there), 2x on groceries (about $120 a year on the $6,000 a typical household spends there), and 2x on travel (about $36 a year on the $1,800 a typical household spends there). Across a full year of average household spending, the card returns roughly $400 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2x | Bonus category |
| Groceries | 2x | Bonus category |
| Travel | 2x | Bonus category |
| Gas | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Miles are locked to the Miles&Smiles program. The full 40,000 bonus arrives in two parts, 25,000 after $2,000 in 90 days and 15,000 more after $8,000 total in the first year. Issued by First Electronic Bank and powered by Imprint.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 2x on dining
- 2x on groceries
- 2x on travel
- Welcome offer worth about $400
- No foreign transaction fees
- $99 annual fee to earn back every year
- Rewards stay locked to this card and cannot be moved to travel partners
- Rewards are tied to one brand, so value drops if your plans change
The welcome bonus
The current welcome offer is 40,000 bonus miles, earned after you spend $8,000 in the first year. Valued honestly at a flat 1 cent per point, that is worth about $400. Stacking the welcome offer on top of a typical year of rewards and accounting for the $99 annual fee, the first year is worth roughly $701.
Is it worth the annual fee?
My take here is the usual one for a single-airline co-brand: the $99 fee is worth it in year one for the welcome bonus and not much beyond that unless you genuinely fly Turkish Airlines. The miles are locked to Miles and Smiles, and while that program hides some incredible sweet spots, you have to actually use them to get any value. If Turkish is part of your regular travel, the status miles and earning can make it a keeper. For everyone else, treat it as a year-one card, grab the bonus, and downgrade before you pay a second annual fee for miles you are not going to burn.
First-year value vs ongoing value
| Welcome bonus | 40,000 bonus miles |
| To earn it | $8,000 in the first year |
| Est. first-year value* | $701 |
| Est. ongoing value / yr* | $301 |
The welcome bonus makes year one the high point: roughly $701 in value once you count the bonus, this card’s rewards, and its credits, minus the $99 fee. After that, the honest figure is about $301 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*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, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 3 miles per dollar on Turkish Airlines purchases
- 2 miles per dollar on dining, groceries, entertainment, and lodging
- 1 mile per dollar on everything else
- Earns Status Miles toward Miles&Smiles elite status
- No foreign transaction fees
Lounge access
This card includes airport lounge access. Here is exactly what you get, including the Priority Pass distinctions that vary by card:
- Complimentary access to Turkish Airlines operated lounges for the cardholder only, when flying a Turkish Airlines flight (no guests, excludes partner lounges)
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for frequent flyers loyal to this airline who will use perks like free checked bags and priority boarding and want miles toward award flights.
Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
