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CardCurator — Rewards Intelligence
Card Comparison

Air France KLM World Elite Mastercard vs Bilt Palladium 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
Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Annual Fee
$89/yr
$495/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $3,000 in 3 months
50,000 points + $300 credit
Spend $4,000 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 6x
  • Travel 3x
  • Rent 2x
Reward Type
miles
miles
Key Credits
None
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
Card Perks
None listed
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
Spend Milestones
  • 5000 Miles every year
    After $50 spend
No milestones
Transfer Partners
No transfer partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
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Common Questions: Air France KLM World Elite Mastercard vs Bilt Palladium Card

Is the Air France KLM World Elite Mastercard or Bilt Palladium Card better for dining?

Air France KLM World Elite Mastercard has no dining bonus; Bilt Palladium Card earns 6x 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). Bilt Palladium Card offers 50,000 pts signup bonus (spend $4,000 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 Bilt Palladium 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 Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.