19
Benefits2
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: air-france-klm-world-elite-mastercard
Issuer: Bank of America
Card Name: Air France KLM World Elite Mastercard
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Flights | 3x | Miles | Purchases made directly with Air France, KLM, and SkyTeam member airlines. | No Cap | |
| All Other Purchases | 1.5x | Miles | All eligible purchases not categorized as Air France, KLM, or SkyTeam member airlines purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Flying Blue Miles
Base Rate: 1.5x
Bonus Rate: 3x
Categories: Air France, KLM and SkyTeam member airlines purchases
Quarterly Rotating: No
Expiration Policy: Miles earned with your Air France KLM World Elite Mastercard are transferred to your Flying Blue account and are subject to the Flying Blue program's terms and conditions. Flying Blue Miles do not expire as long as you make a qualifying flight with Air France, KLM, or a SkyTeam partner, or have qualifying activity (such as earning miles with your credit card) at least once every two years.
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 19 Total
PENDINGLifestyle 1
World Elite Mastercard Concierge Service
24/7 assistanceProvides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and other requests.
Purchase Protection 2
Extended Warranty Protection
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for eligible items purchased with your card, up to a maximum of one additional year on warranties of five years or less.
Purchase Protection
Up to $1,000 per claim, $50,000 per cardholder per year.Reimburses you for eligible items that are stolen or accidentally damaged within 90 days from the date of purchase.
Rewards 4
Welcome Offer Miles
70,000 Bonus MilesEarn 70,000 Bonus Miles after you make $3,000 in purchases in the first 90 days of account opening.
Miles Earning - Air France, KLM, and SkyTeam Purchases
3 Miles per $1Earn 3 Miles per $1 spent on purchases directly from Air France, KLM, and SkyTeam member airlines.
Miles Earning - All Other Purchases
1.5 Miles per $1Earn 1.5 Miles per $1 spent on all other purchases.
Anniversary Bonus Miles
5,000 MilesReceive 5,000 Anniversary Bonus Miles each year after your account anniversary.
Security 4
Mastercard Global Service
24/7 assistanceProvides 24/7 assistance with lost or stolen card reporting, emergency card replacement, and emergency cash advance.
ID Theft Protection
Assistance servicesProvides identity theft resolution services, including alerts, expert assistance, and credit monitoring.
Zero Liability Protection
Protection from unauthorized purchasesProtects you from unauthorized purchases made with your card. You pay only for purchases you've authorized.
Cell Phone Protection
Up to $600 per claim, $1,000 per 12-month period, with a $50 deductible.Provides coverage for damage to or theft of an eligible cell phone when the monthly cell phone bill is paid with your card. A $50 deductible applies.
Status Benefits 1
Elite Status Boost
Up to 40 XP per monthEarn 20 XP (Experience Points) toward Flying Blue Elite Status for every $2,500 spent on purchases, up to 40 XP per calendar month.
Travel 2
Annual Companion Pass
Companion Pass (25% of miles for companion)Receive an annual Companion Pass when you spend $30,000 or more on purchases in a card membership year. The Companion Pass allows a companion to fly for 25% of the miles required for your award ticket (plus taxes and fees).
No Foreign Transaction Fees
No feesPay no foreign transaction fees on purchases made outside the U.S.
Travel Insurance 5
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your card.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons (e.g., illness, severe weather) when the eligible trip is paid for with your card.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses for the purchase of essential items when checked baggage is delayed for more than 4 hours on a common carrier.
Lost Luggage Insurance
Up to $3,000 per tripReimburses for the value of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier.
Rental Car Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft of most rental vehicles when the eligible rental is paid for with your card and the rental company's CDW is declined.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING70,000
Points/MilesRequirement: Spend $3,000 in 90 days
Timing: Bonus miles will be awarded within 8-12 weeks after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $1.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Bank of America's application rules for new credit cards are expected to remain consistent with the '2/3/4 Rule' for 2026: no more than 2 new cards opened in the past 2 months, 3 new cards in the past 12 months, and 4 new cards in the past 24 months. Eligibility for the welcome bonus typically requires applicants to not have received a bonus for this specific Air France-KLM World Elite Mastercard product within the last 24 months. Applicants must also meet standard creditworthiness criteria, including a good to excellent credit score, and not have an excessive number of existing Bank of America credit products.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Bank of America generally allows holding multiple cards from different product families. However, eligibility for a welcome bonus on a specific card product (e.g., the Air France-KLM World Elite Mastercard) is typically restricted if the applicant has received a bonus for that *exact same product* within the last 24 months. There are no known 'cliff effect' rules preventing holding multiple travel cards or specific brand cards simultaneously, beyond the general application limits.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Strong rewards for Air France/KLM loyalists, valuable sign-up bonus, and useful travel perks like no foreign transaction fees.
Top Negative:
Annual fee can be a deterrent, rewards are primarily tied to Air France/KLM, making it less flexible for general travel.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Bank of America Premium Rewards credit card
- Bank of America Travel Rewards credit card
- Chase Sapphire Preferred Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $330.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0