Card Comparison
Air France KLM World Elite Mastercard vs Atmos Rewards Summit
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$89/yr
$395/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $3,000 in 3 months
100,000 points
Spend $6,000 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
- dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
None
- Annual Travel Credit $200
Card Perks
None listed
- Free checked bag (~$70/yr)
- 8 Alaska Lounge Passes (~$520/yr)
- TSA PreCheck® or Global Entry (~$118/yr)
- +2 more
Spend Milestones
- 5000 Miles every yearAfter $50 spend
- 100,000-point Global Companion AwardAfter $60,000 spend
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Air France KLM World Elite Mastercard vs Atmos Rewards Summit
Is the Air France KLM World Elite Mastercard or Atmos Rewards Summit better for dining?
Air France KLM World Elite Mastercard has no dining bonus; Atmos Rewards Summit earns 3x on dining.
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). Atmos Rewards Summit offers 100,000 pts signup bonus (spend $6,000 in 3 months). Air France KLM World Elite Mastercard 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 Atmos Rewards Summit?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Bank of America, so check their specific application rules.