The annual fee is flat, so it really depends on how much you spend as to whether you will get miles outnumbering your annual fee. And hopefully it goes without saying that you should only be spending what you would have spent anyway, just that you are being smarter about putting it through one card. I am getting better at it; e.g. I buy everything I can on the credit card (as I have already paid the annual fee) including petrol and groceries, so that it all gets the miles too. Amazing how much that adds up to in a year!

The Swiss credit card, as mentioned above, now gets you "Miles and More" since Swiss was acquired by Lufthansa, and as mentioned above it is usable on the Star Alliance Network, which really is a very good network and certainly covers the continents and countries that I need to get to for free.

Go for it ...