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Scotiabank® Gold American Express® Card

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Air France KLM World Elite Mastercard
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travel

Air France KLM World Elite Mastercard

3.5

Welcome bonus

Up to $132 in value

  • 5x air france & klm flights — 5 bonus Flying Blue miles per euro spent on Air France/KLM flights
  • 2x restaurants & bars
  • 1x everything else — Up to 30 miles per $1 at select Brim merchant partners
Annual fee
$132 $0

First year free under the current offer

Interest rates

Purchases

19.99%

Cash advances

21.5%

Balance transfers

19.99%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

A niche but unique card: nothing else in Canada earns Flying Blue XP, making it worthwhile for SkyTeam frequent flyers, though everyday earn rates are middling.

At a glance

Annual fee
$132 $0
Welcome bonus
$132
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
miles
Purchase APR
19.99%

Rewards & earn rates

Air France & KLM flights5 bonus Flying Blue miles per euro spent on Air France/KLM flights5x
Restaurants & bars2x
Everything elseUp to 30 miles per $1 at select Brim merchant partners1x

Welcome offer: Up to $132 in value (Approval for the card).

Pros & cons

Pros

  • Only Canadian card earning Flying Blue miles and XP directly
  • Annual 30 XP makes Silver status maintenance dramatically easier
  • First year free with a 60 XP welcome boost

Cons

  • Weak 1x base earn rate
  • XP-focused value proposition only matters to Air France/KLM loyalists
  • 2.5% FX fee on a card aimed at international travellers

Perks & insurance

Key perks

  • 30 Flying Blue XP every year on renewal — a shortcut to Flying Blue Elite status
  • 5x Flying Blue miles per euro on Air France and KLM flight purchases
  • Up to 30x miles at Brim Financial merchant partners
  • DragonPass lounge membership (visits paid per entry)
  • Additional cards $50/year

Insurance

    Rates & fees

    Annual fee
    $132 $0
    Purchase interest
    19.99%
    Cash advance
    21.5%
    Foreign transactions
    2.5%
    Min. personal income
    $80,000

    First year free under the current offer.

    Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
    Terms & conditions

    Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Brim Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Brim Financial's own website before you apply.

    Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Brim Financial's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

    This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

    How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

    CreditCardGuru is not affiliated with Brim Financial. Trademarks belong to their respective owners.

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    Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

    Written by

    CreditCardGuru Editorial Team

    Rewards & Cards Research

    Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

    • 200+ Canadian cards tracked
    • Transparent rating methodology
    • Updated continuously

    Cite this page

    “Air France KLM World Elite Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/air-france-klm-world-elite-mastercard, updated June 7, 2026.

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