CardRewardsEditorial 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.
The Air France KLM World Elite MastercardĀ® ($89/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Air France KLM World Elite MastercardĀ® | Chase Sapphire Reserve |
|---|---|---|
| Flights | 1.5X | 4X |
Both cards win in 2 categories each ā it comes down to which categories matter most to you.
Skyteam Airlines
Air France KLM World Elite MastercardĀ® earns 3X vs 1X
Hotels
Chase Sapphire Reserve earns 4X vs 1.5X
Flights
Chase Sapphire Reserve earns 4X vs 1.5X
Everyday purchases
Air France KLM World Elite MastercardĀ® earns 1.5X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr ā that's $706 more than the Air France KLM World Elite MastercardĀ® ($89/yr). To justify that gap, you need to extract at least $706 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $706 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the Air France KLM World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Air France KLM World Elite MastercardĀ® means losing:
The Air France KLM World Elite MastercardĀ® has a lower annual fee ($89 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Air France KLM World Elite MastercardĀ® earns more with its 1.5X base rate.
Choose the Air France KLM World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
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.
The Air France KLM World Elite MastercardĀ® ($89/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Air France KLM World Elite MastercardĀ® | Chase Sapphire Reserve |
|---|---|---|
| Flights | 1.5X | 4X |
Both cards win in 2 categories each ā it comes down to which categories matter most to you.
Skyteam Airlines
Air France KLM World Elite MastercardĀ® earns 3X vs 1X
Hotels
Chase Sapphire Reserve earns 4X vs 1.5X
Flights
Chase Sapphire Reserve earns 4X vs 1.5X
Everyday purchases
Air France KLM World Elite MastercardĀ® earns 1.5X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr ā that's $706 more than the Air France KLM World Elite MastercardĀ® ($89/yr). To justify that gap, you need to extract at least $706 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $706 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the Air France KLM World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Air France KLM World Elite MastercardĀ® means losing:
The Air France KLM World Elite MastercardĀ® has a lower annual fee ($89 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Air France KLM World Elite MastercardĀ® earns more with its 1.5X base rate.
Choose the Air France KLM World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
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.
The Air France KLM World Elite MastercardĀ® ($89/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Air France KLM World Elite MastercardĀ® | Chase Sapphire Reserve |
|---|---|---|
| Flights | 1.5X | 4X |
Both cards win in 2 categories each ā it comes down to which categories matter most to you.
Skyteam Airlines
Air France KLM World Elite MastercardĀ® earns 3X vs 1X
Hotels
Chase Sapphire Reserve earns 4X vs 1.5X
Flights
Chase Sapphire Reserve earns 4X vs 1.5X
Everyday purchases
Air France KLM World Elite MastercardĀ® earns 1.5X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr ā that's $706 more than the Air France KLM World Elite MastercardĀ® ($89/yr). To justify that gap, you need to extract at least $706 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $706 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly ā otherwise the Air France KLM World Elite MastercardĀ® delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Air France KLM World Elite MastercardĀ® means losing:
The Air France KLM World Elite MastercardĀ® has a lower annual fee ($89 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Air France KLM World Elite MastercardĀ® earns more with its 1.5X base rate.
Choose the Air France KLM World Elite MastercardĀ® if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
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.
| Hotels | 1.5X | 4X |
| Dining | 3X | 3X |
| Skyteam Airlines | 3X | 1X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the Air France KLM World Elite MastercardĀ® if you:
Get the Chase Sapphire Reserve if you:
| Hotels | 1.5X | 4X |
| Dining | 3X | 3X |
| Skyteam Airlines | 3X | 1X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the Air France KLM World Elite MastercardĀ® if you:
Get the Chase Sapphire Reserve if you:
| Hotels | 1.5X | 4X |
| Dining | 3X | 3X |
| Skyteam Airlines | 3X | 1X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the Air France KLM World Elite MastercardĀ® if you:
Get the Chase Sapphire Reserve if you:
