Air France KLM World Elite Mastercard vs American Express Business Gold Rewards Card

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

Air France KLM World Elite Mastercard

Air France KLM World Elite Mastercard

Annual Fee: $132
Your Monthly Rewards: $0.00
VS
American Express Business Gold Rewards Card

American Express Business Gold Rewards Card

Annual Fee: $199
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

Air France KLM World Elite Mastercard
Comparison
American Express Business Gold Rewards Card
$0
Rewards
Annual rewards estimate
$0
0/5
Perks
Travel benefits and extras
0/5
0/5
Fees
How competitive the fees are
0/5
0/5
Approval
How easy it is to get approved
0/5
0/5
Insurance
Insurance coverage and benefits
0/5
0/5
Acceptance
Where you can use the card
0/5
0/5
Interest rates
How competitive the interest rates are
0/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

Air France KLM World Elite Mastercard
Details
American Express Business Gold Rewards Card
Mastercard
Card type
AMEX
Air France KLM
Issuer
AMEX
725
Min credit score
660
$80,000
Personal income
$0
$150,000
Household income
$0

Rewards

We estimate that spending $2,000 per month with the Air France KLM World Elite Mastercard would earn $0 in rewards over the year and with the American Express Business Gold Rewards Card you would earn $0 in rewards.

When you spend using the Air France KLM World Elite Mastercard you will earn points called .

When you spend using the American Express Business Gold Rewards Card you will earn points called .

We can also compare the Air France KLM World Elite Mastercard vs American Express Business Gold Rewards Card based on the amount earned in each spend category:

Annual rewards by spend category

Air France KLM World Elite Mastercard
Rewards
American Express Business Gold Rewards Card
$0
Gas
$24
$0
Bills
$42
$0
Pharmacy
$6
$0
Groceries
$60
$0
Restaurants
$24
$0
Specific Stores
$12
$0
Travel
$12
$0
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

Air France KLM World Elite Mastercard
Reward structure
American Express Business Gold Rewards Card
1 mile
Gas
1 point
1 mile
Bills
1 point
1 mile
Pharmacy
1 point
1 mile
Groceries
1 point
2 miles
Restaurants
1 point
3 miles
Specific Stores
1 point
1 mile
Travel
1 point
1 mile
Other
1 point

We can also compare the Air France KLM World Elite Mastercard vs American Express Business Gold Rewards Card based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

Air France KLM World Elite Mastercard
Rewards earn rate
American Express Business Gold Rewards Card
0.0%
Gas
1.0%
0.0%
Bills
1.0%
0.0%
Pharmacy
1.0%
0.0%
Groceries
1.0%
0.0%
Restaurants
1.0%
0.0%
Specific Stores
1.0%
0.0%
Travel
1.0%
0.0%
Other
1.0%

Fees

When it comes to fees, the Air France KLM World Elite Mastercard is better than the American Express Business Gold Rewards Card.

The Air France KLM World Elite Mastercard charges an annual fee of $132, which is $67 less than the $199 annual fee for the American Express Business Gold Rewards Card. So, if annual fees are important to you, then the Air France KLM World Elite Mastercard is the better choice.

Air France KLM World Elite Mastercard
Fees
American Express Business Gold Rewards Card
$132
Annual fee
$199
$50
Extra card
$50
0%
Foreign exchange fee
0%

Perks

Air France KLM World Elite Mastercard
Perks
American Express Business Gold Rewards Card
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither Air France KLM World Elite Mastercard nor American Express Business Gold Rewards Card provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

Both cards have similar interest rates.

The Air France KLM World Elite Mastercard charges 19.99 on your credit balance for purchases, which is different from the interest rate on the American Express Business Gold Rewards Card.

It's worth noting that the Air France KLM World Elite Mastercard has an interest rate of 19.99 on any balance you transfer to this card from another credit card. That rate is higher than the N/A that is charged on the American Express Business Gold Rewards Card. If you expect to transfer a balance to this card then the American Express Business Gold Rewards Card might save you a lot of money.

Air France KLM World Elite Mastercard
Interest Rates
American Express Business Gold Rewards Card
19.99%
Purchases
N/A
21.5%
Cash advance
N/A
19.99%
Balance transfer
N/A

Insurance

Both cards offer similar insurance coverage.

The American Express Business Gold Rewards Card includes 6 types of insurance, whereas the Air France KLM World Elite Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the American Express Business Gold Rewards Card is the better choice.

Air France KLM World Elite Mastercard
Insurance
American Express Business Gold Rewards Card
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The Air France KLM World Elite Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The American Express Business Gold Rewards Card is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.