Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?

The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?

The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.

Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?

Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?

The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?

The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.

Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?

Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?

The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?

The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.

Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?

Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

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

The Air France KLM World Elite Mastercard® ($89/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Air France KLM World Elite Mastercard®

Bank of America

No image

The Platinum Card from American Express

American Express

Fees & Welcome Offer

Annual Fee

$89

$895

Welcome Bonus

70,000 points

80,000 Flex point

Earn Rates

Category	Air France KLM World Elite Mastercard®	The Platinum Card from American Express
Flights	1.5X	5X

Category-by-Category Winner

The Air France KLM World Elite Mastercard® wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Skyteam Airlines

Air France KLM World Elite Mastercard® earns 3X vs 1X

Dining

Air France KLM World Elite Mastercard® earns 3X vs 1X

Flights

The Platinum Card from American Express earns 5X vs 1.5X

Hotels

Air France KLM World Elite Mastercard® earns 1.5X vs 1X

Everyday purchases

Air France KLM World Elite Mastercard® earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs $895/yr — that's $806 more than the Air France KLM World Elite Mastercard® ($89/yr). To justify that gap, you need to extract at least $806 in annual value from the card's higher earn rates and benefits.

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $806 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the Air France KLM World Elite Mastercard® delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Choose the Air France KLM World Elite Mastercard® if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?: The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?: The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.
Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?: Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · American Express cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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

Air France KLM World Elite Mastercard®

Bank of America

No image

The Platinum Card from American Express

American Express

Fees & Welcome Offer

Annual Fee

$89

$895

Welcome Bonus

70,000 points

80,000 Flex point

Earn Rates

Category	Air France KLM World Elite Mastercard®	The Platinum Card from American Express
Flights	1.5X	5X

Category-by-Category Winner

The Air France KLM World Elite Mastercard® wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Skyteam Airlines

Air France KLM World Elite Mastercard® earns 3X vs 1X

Dining

Air France KLM World Elite Mastercard® earns 3X vs 1X

Flights

The Platinum Card from American Express earns 5X vs 1.5X

Hotels

Air France KLM World Elite Mastercard® earns 1.5X vs 1X

Everyday purchases

Air France KLM World Elite Mastercard® earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?: The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?: The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.
Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?: Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · American Express cards

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

Air France KLM World Elite Mastercard®

Bank of America

No image

The Platinum Card from American Express

American Express

Fees & Welcome Offer

Annual Fee

$89

$895

Welcome Bonus

70,000 points

80,000 Flex point

Earn Rates

Category	Air France KLM World Elite Mastercard®	The Platinum Card from American Express
Flights	1.5X	5X

Category-by-Category Winner

The Air France KLM World Elite Mastercard® wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Skyteam Airlines

Air France KLM World Elite Mastercard® earns 3X vs 1X

Dining

Air France KLM World Elite Mastercard® earns 3X vs 1X

Flights

The Platinum Card from American Express earns 5X vs 1.5X

Hotels

Air France KLM World Elite Mastercard® earns 1.5X vs 1X

Everyday purchases

Air France KLM World Elite Mastercard® earns 1.5X on all other spending vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $89/yr for the Air France KLM World Elite Mastercard®. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Air France KLM World Elite Mastercard® or The Platinum Card from American Express?: The Air France KLM World Elite Mastercard® has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Air France KLM World Elite Mastercard® have that the The Platinum Card from American Express doesn't?: The Air France KLM World Elite Mastercard® focuses on earn rates, while the The Platinum Card from American Express offers lounge access.
Should I get the Air France KLM World Elite Mastercard® or the The Platinum Card from American Express?: Choose the Air France KLM World Elite Mastercard® if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

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

Browse all comparisons →Browse all card categories →

Official issuer pages: Bank of America cards · American Express cards

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

Pros & Cons

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

Choosing Air France KLM World Elite Mastercard® means losing:

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Air France KLM World Elite Mastercard® if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

Pros & Cons

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

Choosing Air France KLM World Elite Mastercard® means losing:

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Air France KLM World Elite Mastercard® if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

✓Lounge access

✓Travel insurance

✓Global Entry credit

Pros & Cons

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

Choosing Air France KLM World Elite Mastercard® means losing:

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the Air France KLM World Elite Mastercard® if you:

+Spend $300+/month on restaurants and dining out
+Want strong rewards without a large annual fee commitment
+Prefer a high flat rate across all spending

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access