Ratesopedia

Pros

  • First Year Annual Fee Rebate ($132 annual fee rebated)
  • Purchase protection included
  • Travel medical insurance included

Cons

  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

With the Air France KLM World Elite Mastercard®, you can earn Flying Blue Miles on all your purchases:

  • 2 miles per dollar on food and drinks
  • 1 Mile per dollar for all other purchases (including at Costco)

As an Air France KLM World Elite Mastercard credit cardholder, you earn 30 XP per year to help you qualify for Flying Blue Elite Status.

This card comes with many insurance coverages for your purchases and travels.

Rewards

All Spending

1x

Flying Blue pts per dollar

Restaurants

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

1.6¢/ point
0.80¢4.8¢
Restaurants2x
$160/month
Groceries1x
$400/month
Gas1x
$300/month
Recurring1x
$300/month
All other spending1x
$700/month

Points Earned

24,240

Flying Blue/yr

Estimated Value

$388

After Fees

+$388

1st Year Value

$388

incl. welcome bonus

Annual rewards breakdown

Restaurants$1,920/yr × 2x3,840 pts
Groceries$4,800/yr × 1x4,800 pts
Gas$3,600/yr × 1x3,600 pts
Recurring$3,600/yr × 1x3,600 pts
All other spending$8,400/yr × 1x8,400 pts
Total annual spend$22,320
Monthly spend$1,860
Average earn rate1.09x
Total points earned24,240 pts

Travel Insurance

Travel Medical

Up to $5,000,000 / 15 days

Trip Cancellation

Up to $2,000

Trip Interruption

Up to $2,000

Delayed Baggage

Up to $500

Lost Baggage

Up to $1,000

Flight Delay

Up to $500

Hotel Burglary

Up to $2,500

Travel Accident

Up to $150,000

Purchase Protection

Purchase Protection

Up to $999 / 90 days

Extended Warranty

+1 year(s)

Mobile Device

Up to $1,500

Auto Rental

Up to $85,000 / 48 days

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    21.5%
  • Foreign Transaction Fee
    2.5%

Eligibility

Personal Income

$80,000

Household Income

$150,000

Terms & Conditions

Card Features

Card features:

  • 60 XP welcome bonus for new cardholders + 30 XP upon renewal on the card’s anniversary
  • No annual fee for the first year (instead of $132)
  • Up to 30 Miles per $1 spent at Merchant Partners
  • 2 Miles per $1 spent on food and drinks (restaurants, bars)
  • 1 Mile per $1 spent everywhere else

Related Cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Brim. All trademarks are property of their respective owners.