Air France KLM World Elite Mastercard® vs The Platinum Card from American Express

A detailed side-by-side comparison to help you choose the right card for your spending.

Air France KLM World Elite Mastercard®

Bank of America

No image

The Platinum Card from American Express

American Express

Annual Fee

$89

$895

Welcome Bonus

70,000 points

80,000 Flex point

Base Earn Rate

1.5X

Top Earn Categories

3X Skyteam Airlines

3X Dining

5X Hotels

5X Flights

1X Hotels

Network

MASTERCARD

AMEX

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

Pros

—

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

Cons

—

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

The Bottom Line

The Air France KLM World Elite Mastercard® has a lower annual fee ($89 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

For everyday spending, the Air France KLM World Elite Mastercard® earns more with its 1.5X base rate.

Explore More

Air France KLM World Elite Mastercard® — Full Review All Bank of America Cards

The Platinum Card from American Express — Full Review All American Express Cards

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Air France KLM World Elite Mastercard® vs The Platinum Card from American Express

A detailed side-by-side comparison to help you choose the right card for your spending.