Air France KLM World Elite Mastercard®
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How we calculate effective rate →
The Air France KLM World Elite Mastercard® from Bank of America earns up to 1.9% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening.
- Top category
- Dining
- Effective value
- 1.9%
- Annual fee
- $89
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Air France KLM World Elite Mastercard earn in each category?
Dining is the strongest category at 1.9% effective value (1.5x miles at about 1.3 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Air France KLM World Elite Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.9% effective value (1.5x miles at about 1.3 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Air France KLM World Elite Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x miles | 1.9% Top category |
| Grocery Supermarkets and grocery stores | 1.5x miles | 1.9% |
| Gas Gas stations and fuel | 1.5x miles | 1.9% |
| Travel Flights, hotels, transit | 1.5x miles | 1.9% |
| Other General everyday spend | 1.5x miles | 1.9% |
Madeen values Air France/KLM Flying Blue at about 1.3 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Air France KLM World Elite Mastercard?
The Air France KLM World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1.5x miles. Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement.
Air France KLM World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1.5x miles. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x miles. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $89 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.9% effective (1.5x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $89 annual fee requires enough spend in bonus categories to offset.
- Air France/KLM Flying Blue value depends on how you redeem, not straight cash back.
What is the Air France KLM World Elite Mastercard welcome bonus?
In Madeen's catalog snapshot, the Air France KLM World Elite Mastercard welcome offer is Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k Air France/KLM Flying Blue (~$650 estimated)
- Terms (catalog snapshot)
- Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening
- Minimum spend
- $2,000
- Window
- 90Days
Does the Air France KLM World Elite Mastercard have an annual fee?
The Air France KLM World Elite Mastercard has an annual fee of $89 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $89
- Foreign transaction fee
- None
What benefits come with the Air France KLM World Elite Mastercard?
The Air France KLM World Elite Mastercard includes 5,000 Miles every year on your account anniversary, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Mastercard Travel
$10/yrBrowse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Related encyclopedia topics
What annual spend bonuses does the Air France KLM World Elite Mastercard offer?
- 5,000 Miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year
Common questions about the Air France KLM World Elite Mastercard
Is Air France, KLM World Elite Mastercard worth it?
The Air France KLM World Elite Mastercard® from Bank of America earns up to 1.9% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening.
Is World Elite Mastercard worth it?
The Air France KLM World Elite Mastercard® from Bank of America earns up to 1.9% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening.
Does the Air France KLM World Elite Mastercard have an annual fee?
The Air France KLM World Elite Mastercard carries an annual fee of $89 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Air France KLM World Elite Mastercard?
Dining is the strongest Madeen category for the Air France KLM World Elite Mastercard at about 1.9% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Air France KLM World Elite Mastercard charge foreign transaction fees?
The Air France KLM World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Air France KLM World Elite Mastercard welcome bonus?
The Air France KLM World Elite Mastercard welcome offer in our snapshot: Online Offer: 50,000 Bonus Miles after you make $2,000 or more in purchases within the first 90 days of your account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Air France KLM World Elite Mastercard compare to similar cards?
Compare the Air France KLM World Elite Mastercard against AMSA Customized Cash Rewards Card (3% on Dining, $0 fee); Bank of America Customized Cash Rewards (3% on Dining, $0 fee); Bank of America Customized Cash Rewards for Students (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Air France KLM World Elite Mastercard This card | Dining | 1.9% | $89 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Bank of America | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
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Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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