Air France KLM World Elite Mastercard® review

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.

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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American Express® Gold Card		60,000 points after spending $4,000 in the first 6 months	4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases	$250		Rose Gold is back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries	5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe	10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases	$550		One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...

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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.

Frequently asked questions

• If my account has a penalty APR, how long will the rate last?

  The penalty APR will apply indefinitely. If you have a record of on-time payments, consider contacting Bank of America to ask if it will rescind the rate.

• If I qualify for the signup bonus, when will I receive my miles?

  You’ll see them in your Flying Blue account within four to six weeks.

• When will I receive my anniversary miles?

  If you qualify for the anniversary miles, look for them in your Flying Blue account within four to six weeks.