Air France KLM World Elite Mastercard®
Basic Information
Program ID: air-france-klm-world-elite-mastercard
Issuer: Bank of America
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:35
Last Scraped: 01/15/2026 17:36
Fee Structure
| Annual Fee: | $89.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $89.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $70,000.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Bonus miles are typically posted to your Flying Blue account 8-12 weeks after you meet the spending requirement.
Rewards Program
Reward Type: Flying Blue Miles
Base Reward Rate: 1.50%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air France, KLM, and SkyTeam member airlines purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles expire after 2 years of inactivity, or 2 years from earning if no qualifying activity extends them.
Transfer Partners: SkyTeam Airlines (e.g., Delta, Korean Air, Virgin Atlantic), Accor Hotels
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, applicants for the Air France-KLM World Elite Mastercard from Bank of America are subject to the issuer's standard application velocity rules: generally, no more than 2 new credit cards approved within the last 2 months, 3 within the last 12 months, and 4 within the last 24 months across all Bank of America products. Eligibility for the new cardmember bonus typically requires that the applicant has not received a bonus for this specific product in the past 24 months. Applicants must also have a good to excellent credit score (typically 700+ FICO) and sufficient income to qualify for the credit limit. The sign-up bonus usually requires meeting a minimum spend threshold within a specified timeframe (e.g., 'Earn 50,000 Flying Blue Miles after spending $3,000 in the first 3 months').
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Bank of America products, bust-out behavior (maxing out and not paying), cycling credit, unusual spending patterns inconsistent with declared income, too many recent applications/accounts across all issuers, defaulting on other Bank of America products, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for frequent Air France/KLM flyers, valuable Flying Blue miles, good travel benefits, and a strong sign-up bonus.
Top Negative Feedback:
Annual fee can be high for infrequent travelers, redemption options are primarily limited to Air France/KLM and SkyTeam partners, and potential for miles devaluation.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Bank of America® Premium Rewards® credit card
- Alaska Airlines Visa Signature® credit card
- Chase Sapphire Preferred® Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $390.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 30% Air France/KLM / 70% General Travel & Other
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0