Card Comparison
Air France KLM World Elite Mastercard vs Bank of America Customized Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$89/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $3,000 in 3 months
$200 credit
Spend $1,000 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
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Spend Milestones
- 5000 Miles every yearAfter $50 spend
No milestones
Transfer Partners
No transfer partners
Cash back only
Common Questions: Air France KLM World Elite Mastercard vs Bank of America Customized Cash Rewards
Is the Air France KLM World Elite Mastercard or Bank of America Customized Cash Rewards 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). Bank of America Customized Cash Rewards offers $20000 signup bonus (spend $1,000 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 Bank of America Customized Cash Rewards?
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.