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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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Welcome offer

Up to 3x



Annual fee

15.99% to 23.99%

Purchase APR (variable)


Annual fee$89
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

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

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
  • 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.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual fee Filter values
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 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 eligible purchases

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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 other eligible purchases

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
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.

Compare up to 4 providers

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

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