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Card Comparison

Air France KLM World Elite Mastercard vs American Express Business Gold Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Air France KLM World Elite Mastercard card art
Flying Blue
Air France KLM World Elite Mastercard
Bank of America
More Info
American Express Business Gold Card card art
American Express Membership Rewards
American Express Business Gold Card
American Express
More Info
Annual Fee
$89/yr
$375/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $3,000 in 3 months
100,000 points
Spend $15,000 in 3 months
Top Earn Rates
  • spent directly on Air France, KLM Royal Dutch Airlines and SkyTeam member airlines purchases 3x
  • All Other Purchases 1.2x
  • Electronics & Technology 4x
  • U.S. Advertising (Social Media, Search Engines) 4x
  • U.S. Shipping 4x
Reward Type
miles
miles
Key Credits
None
  • Walmart+ Membership $12.95
  • Flexible Business Credit $20
  • SquareSpace.com $150
Card Perks
None listed
  • The Hotel Collection Access
  • Baggage Insurance Plan
Spend Milestones
  • 5000 Miles every year
    After $50 spend
No milestones
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: Air France KLM World Elite Mastercard vs American Express Business Gold Card

Is the Air France KLM World Elite Mastercard or American Express Business Gold Card better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Air France KLM World Elite Mastercard currently offers 75,000 pts signup bonus (spend $3,000 in 3 months). American Express Business Gold Card offers 100,000 pts signup bonus (spend $15,000 in 3 months). American Express Business Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Air France KLM World Elite Mastercard and the American Express Business Gold Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Air France KLM World Elite Mastercard is from Bank of America and American Express Business Gold Card is from American Express, so they're governed by separate bank policies.