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Air France KLM World Elite Mastercard® review

SkyTeam flyers will find excellent rewards.

  • Get this card if you’re a frequent SkyTeam flyer or you want Flying Blue status qualifiers.
  • Pick something else if you fly infrequently. You might get more out of a general travel card.
  • Apply if you have a good to an excellent credit score of 670 to 850.
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$100

Welcome offer

Up to 3x

Miles

$89

Annual fee

15.99% to 23.99%

Purchase APR (variable)

Details

Annual fee$89
Annual fee conditionsThe annual fee will reduce the amount of credit you initially have available. For example, if you are assigned the minimum credit limit of $500, your initial available credit will be only about $411.
Welcome offerLimited-time offer: $100 Statement Credit plus 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
Rewards3x miles on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines and 1.5x miles on all other purchases
Purchase APR15.99% to 23.99% variable
Balance transfer APR15.99% to 23.99% variable
Minimum Credit Score670
IssuerMastercard
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Review by


Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.

Expert review

The Air France KLM World Elite Mastercard® offers accelerated rewards on direct SkyTeam purchases, an annual boost for Flying Blue status qualifiers and bonus miles on your card anniversary.

The perks

  • Signup bonus: 50,000 bonus miles.
    Earn this bonus after you make $2,000 or more in purchases within the first 90 days of account opening.According to our March 2019 valuation, this bonus is worth $325. It’s solid, though you’ll find better bonuses with similar mid-tier cards.
  • Rewards: Up to 3x miles.
    Earn 3x miles on direct Air France and KLM Royal Dutch Airlines purchases. You’ll also earn this rewards rate on direct SkyTeam-airline purchases, giving you lots of flexibility.Earn 1.5x miles on all other purchases.

    You can redeem your miles for flights with any airline in the SkyTeam alliance. Also, use miles for hotel stays, car rentals, seat upgrades and more.

Which airlines are in SkyTeam?

According to SkyTeam, you can fly to 1,062 destinations in 177 countries. Member carriers include:

  • Aeroflot
  • Aerolíneas Argentinas
  • Aeroméxico
  • Air Europa
  • Air France
  • Alitalia
  • China Airlines
  • China Eastern
  • Czech Airlines
  • Delta Air Lines
  • Garuda Indonesia
  • Kenya Airways
  • KLM
  • Korean Air
  • MEA
  • Saudia
  • TAROM
  • Vietnam Airlines
  • Xiamen Air

How does the SkyTeam Alliance program work?

  • Anniversary bonus: 5,000 miles.You’ll receive these miles on your card anniversary if you’ve made at least $50 in purchases in the preceding card year.

    According to our March 2019 valuation, this bonus is worth $65.

You’ll also like …

  • Earn up to 60 Experience Points (XP) every card year.Earn 20 XP every year on your card anniversary.

    Earn another 40 XP on your card anniversary if you’ve made at least $15,000 in purchases within the preceding card year.

    You need 100 XP to advance from Explorer to Silver. The latter tier offers perks such as priority check-in and boarding, complimentary standard seat selection and an additional baggage item on every SkyTeam flight.

  • No foreign transaction fees.
    Don’t pay fees on purchases made with your card while abroad.

What to watch out for

  • Annual fee: $89.
    You’ll pay this much annually to own the card.
  • No standard complimentary perks.
    While you’ll get accelerated rewards on direct SkyTeam-airline purchases, an anniversary mile bonus and bonus XP, you’ll miss out on standard perks such as complimentary checked baggage or priority boarding.
  • Penalty APR: 29.99% variable.
    If you make a late payment, Bank of America may apply this penalty APR to all of your balances.

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Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
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Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Venture X Rewards Credit Card
75,000 miles after you spend $4,000 in your first 3 months of account opening
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Capital One's premium luxury travel card, featuring airport lounge access at Capital One Lounge and 1,300+ Priority Pass lounges.
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Bottom line

The Air France KLM World Elite Mastercard® can be a good choice for frequent flyers. It’s particularly helpful if you often fly with SkyTeam airlines, as you’ll earn a strong 3x miles on direct SkyTeam purchases.

Also, consider the card if you’re shooting for status in Flying Blue. You’ll need 100 XP to reach Silver, much of which you can earn through the card.

If you’re an infrequent flyer, you’ll probably earn more with other travel credit cards.

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