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All you need to know about the Air France KLM Flying Blue program

All you need to know about the Air France KLM Flying Blue program
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Flying Blue is Air France KLM’s loyalty program. Since August 2021, it has partnered with American Express Membership Rewards in Canada, which makes it far more accessible to travellers. Better still: since January 3, 2026, the transfer ratio is 1:1, so 1,000 Membership Rewards points convert to 1,000 Flying Blue Miles.

In this complete guide to the Flying Blue program in Canada, you will find every way to earn and use Flying Blue Miles, how Flying Blue status works in 2026, the real value of a Mile, and several of the program’s sweet spots. To compare all your options, also see our page of the best credit cards.

Register for the Flying Blue program

Joining Flying Blue is free and quick. You do it directly by creating a Flying Blue account. You can also enroll your children in the program, which is handy for sharing Miles as a family.

Earning Flying Blue Miles

In Canada, you earn Flying Blue Miles in several ways: by transferring credit card points, with a co-branded card, by flying, and through the program’s partners. Here is each method in detail.

With Membership Rewards cards

The main method in Canada remains American Express Membership Rewards cards. Since January 2026, you transfer your Membership Rewards points to Flying Blue Miles at a ratio of 1,000 Membership Rewards points = 1,000 Flying Blue Miles. American Express also runs regular transfer bonuses (often 25%), which improves the return even further.

Air France KLM Flying Blue program - Membership Rewards airline partners

Here are the American Express Membership Rewards cards available in Canada:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$191.88Welcome offer
Up to 15,000 points
Apply Now
Annual fee$799Welcome offer
Up to 120,000 points
Apply Now
Annual fee$799Welcome offer
Up to 100,000 points
Apply Now
Annual fee$0Welcome offer
10,000 points
Apply Now
Annual fee$199Welcome offer
Up to 70,000 points
Apply Now

Thus, with a card like the American Express Cobalt® Card, you can earn the equivalent of up to 5 Flying Blue Miles per dollar spent in certain categories:

CategoryMembership Rewards pointsFlying Blue Miles equivalent
Groceries55
Home food delivery55
Restaurants and bars55
Convenience stores55
Streaming services34
Gas station22
Transit22
Travel22
Other11

There are many other American Express Membership Rewards cards from which you can convert your points to Flying Blue Miles.

Annual fee
$191.88
Our valuation
$255
Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

With Marriott Bonvoy cards

The second method in Canada is Marriott Bonvoy Amex credit cards. You transfer your Marriott Bonvoy points to Flying Blue at a ratio of 3 Marriott Bonvoy points = 1 Mile. On top of that, every 60,000 points transferred earns a 5,000-Mile bonus. So 60,000 Marriott Bonvoy points = 25,000 Flying Blue Miles.

That said, this transfer is more of a backup: your Marriott points are often worth more for hotel nights. Here are the two Marriott Bonvoy cards available in Canada:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now
Annual fee$120Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now

With the Air France KLM card

Since October 2022, the Air France KLM World Elite Mastercard®, issued by Brim, has been available in Canada. It earns Flying Blue Miles directly and helps you reach status. Here are its earn rates:

SpendingEarn rate
Air France and KLM tickets (Flying Blue members)5 Miles per euro (on top of status Miles)
Restaurants and bars2 Miles per dollar
Everything else1 Mile per dollar
Selected Brim partnersUp to 30 Miles per dollar

In addition to extending the validity of your Miles with each purchase, the card offers 60 XP in the first year and 30 XP at renewal, which makes it easier to earn or maintain Flying Blue status. Note: the welcome offer is in XP, not Miles. The annual fee is $132, rebated in the first year.

Annual fee
$0 $132
No annual fee the first year
Our valuation
$132
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$132Total$132Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$132 annual fee rebated
Apply Now

on Brim's website

With the Air France KLM World Elite Mastercard®, you can earn Flying Blue Miles on all your purchases:

  • 2 miles per dollar on food and drinks
  • 1 Mile per dollar for all other purchases (including at Costco)

As an Air France KLM World Elite Mastercard credit cardholder, you earn 30 XP per year to help you qualify for Flying Blue Elite Status.

This card comes with many insurance coverages for your purchases and travels.

Annual fee

Primary card$132
Additional card$50

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 2xRestaurants
  • 1xAll spending

Value

1st Year Value$490
2nd Year Value$283

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Travel medical (65+)Up to $5,000,000 / 3 days
Trip CancellationUp to $2,000
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $150,000

Purchase protection

Purchase ProtectionUp to $999 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $85,000 / 48 days

With your flights

You also earn Flying Blue Miles by flying on Air France KLM and the SkyTeam alliance airlines. The number of Miles depends on two factors: the ticket price and the status you hold.

On Air France and KLM flights, earning is based on the base fare excluding taxes (excluding the YQ fuel surcharge), according to your status:

StatusEarning (AF/KLM flights)
Explorer4 Miles per €
Silver6 Miles per €
Gold7 Miles per €
Platinum8 Miles per €
Ultimate9 Miles per €

This method favours travellers paying full-fare tickets, especially in premium cabins. Extras (seat selection, additional baggage, à la carte meals, upgrades) also earn Miles. For other SkyTeam airlines and WestJet, earning depends instead on a percentage tied to the booking class and the distance flown. You can calculate it on Flying Blue’s dedicated page.

For example, here is the earning chart applied to WestJet flights:

CabinEarning
BusinessJ, C: 175%; D: 150%
Premium EconomyW, O, R: 100%
EconomyY, B, M: 100%; H, Q: 75%; N, S, X: 50%; T, K, L: 20%

With Flying Blue partners

Beyond airlines, Flying Blue partners with hotels, car rental agencies and other companies. Here are the main ways to take advantage.

With hotels

Flying Blue’s preferred hotel partner is Accor Live Limitless, through Miles+Points. You can earn both Accor points for your stays and Flying Blue Miles, a fairly unique combination. Besides Accor, Flying Blue partners with Booking.com, Marriott Bonvoy, Hilton Honors, Best Western Rewards, Radisson Hotel Group, World of Hyatt and IHG Rewards, among others.

However, for these hotels, you must choose between earning points (for free nights) or Flying Blue Miles.

With car rentals

You also earn Flying Blue Miles when renting a car from Avis, Budget, Enterprise, Europcar, Hertz, Sixt or Thrifty.

With online shopping

A shopping portal offers Flying Blue Miles for your online purchases with partners like Apple, Indigo, Nike or Sephora. It works like other shopping portals: log in, choose the merchant, then click the matching link. Remember to empty your cart before you start.

Note that Air France KLM World Elite Mastercard® holders also get dedicated offers (inCard and eShop) to earn even more Miles on their purchases.

With family

Flying Blue Family lets you share Miles with relatives. Up to 8 members can join: 2 adults and a maximum of 6 children. The family head is the only person allowed to transfer Miles from members’ accounts.

After each transfer, all Flying Blue Family Miles stay valid for two years. Transfers are final and you receive a confirmation email. On top of that, you get a 25% discount on reward tickets booked for children aged 2 to 11 travelling with an adult, in economy as well as business class. Read our article on this benefit. Finally, children’s Miles do not expire before age 18.

Flying Blue Air France KLM - reward ticket discount for children family

Using Flying Blue Miles

The best way to use Flying Blue Miles is to book award tickets, especially in premium cabins. That is where you get the best value from your Flying Blue Miles. You can also use them for upgrades, in-flight options or partner purchases.

For flight tickets

Flying Blue members have access to every available seat on any flight. The price in Miles therefore varies with demand: this is the principle of dynamic pricing. There is no fixed award chart like in other programs. In practice, the same business-class seat can cost 60,000 Miles one day and far more the next.

In 2026, for flights between Canada and Europe, prices start around 25,000 Miles in economy and 60,000 Miles in business class (one way), before promotions. Each route does keep a floor price that acts as a minimum.

For example, here is the cost of a one-way flight between Montreal and Paris, in economy from 21,500 Miles and $135:

Flying Blue award Montreal Paris economy

In business class from 53,000 Miles and $348:

Flying Blue award Montreal Paris business class

The fare changes a lot from day to day. Also, the higher the cabin, the larger the cash portion: these are the carrier surcharges. You can estimate the number of Miles required on this page.

The partner airlines

With your Flying Blue Miles, you fly on Air France KLM, all SkyTeam airlines and partners like WestJet. You book online on the Air France KLM website for Air France, KLM, Aircalin, GOL, Japan Airlines, Kenya Airways, TAROM, WestJet and the SkyTeam carriers (Delta Airlines, Korean Air, Air Europa, China Airlines, Vietnam Airlines, among others). For Transavia, you book directly on the Transavia website.

In North America

In North America, you use Flying Blue Miles on WestJet and Delta Airlines. Here are a few one-way fare examples:

  • Montreal – Toronto (WestJet): from 11,500 Miles and $42
  • Montreal – Vancouver (WestJet): from 14,500 Miles and $42
  • Montreal – Los Angeles (WestJet): from 14,500 Miles and $99
  • Montreal – Atlanta (Delta Airlines): from 14,000 Miles and $93
Flying Blue award WestJet North America

Promo Rewards

Each month, Flying Blue offers a deal called Promo Rewards. During the month, you can book award tickets at a reduced rate: 25% to 50% off depending on the routes and cabins. These promotions often cover long travel windows, which gives you flexibility.

For example, it has been possible to book a Promo Reward aboard Air France’s A350 between Toronto and Paris for just 32,000 Miles in business class. Check our Promo Rewards each month to grab the best deals:

A tip to find awards

On the Air France KLM website, a trick lets you display a 30-day award calendar. Rather than searching for a one-way, run a round-trip search using the same date for the outbound and return. This unlocks a 30-day calendar of Miles prices.

Tip 30-day award calendar Flying Blue Air France

Then pick the date with the best price in Miles and proceed with the booking. Before searching, learn your SkyTeam geography using a site like Flight Connections to spot the airlines and routes to your destinations.

Flying Blue sweet spots

The Flying Blue program hides several sweet spots that are especially rewarding for Canadian travellers. Here are our favourites, seen on award tickets (one-way fares, subject to dynamic pricing):

  • Hawaii: Montreal – Honolulu with WestJet from 17,500 Miles and $112
  • Mexico: Montreal – Cancun with WestJet from 14,500 Miles and $104
  • Israel: Montreal – Tel Aviv from 34,000 Miles and $171
  • Polynesia: Los Angeles – Papeete from 25,500 Miles and $87 (or 64,000 Miles in business)
  • South America: Montreal – Buenos Aires from 29,000 Miles and $230
  • Within Europe: Paris – Athens from 11,500 Miles and $46 (bags included)
Flying Blue sweet spot Montreal Honolulu Hawaii WestJet

Tip: for South America, aim instead for domestic flights, like Buenos Aires – Ushuaia for just 17,500 Miles and $8. These pricing quirks often appear on the networks of partner airlines.

For upgrades

You can use your Flying Blue Miles to upgrade a ticket. This can be done in advance (up to 24 hours before the flight), subject to availability, provided the ticket was booked in an eligible class (award tickets are excluded from this option). A last-minute upgrade is still possible just before boarding, or even on board; this time, even award tickets are eligible.

For Air France La Première

La Première, Air France’s first class, ranks among the best in the world. To book it with Flying Blue Miles, you must hold Platinum status. It is one of the finest possible uses of your Miles.

For in-flight options

You can also use Flying Blue Miles for various travel options:

Value of a Flying Blue mile

How much is a Flying Blue Mile worth? It all depends on how you use it. Based on our analysis, the value of a Flying Blue Mile ranges from 0.2 to 2.5 euro cents. The math is simple: divide the euro value of your ticket by the number of Miles spent. Here are our ranges by type of use:

UseValue per Mile
Economy ticket0.3 to 0.9 € cents
Premium Economy1.1 to 2.1 € cents
Business class1.1 to 2.5 € cents
La Première1.5 to 2 € cents
Hotel stays0.3 to 0.6 € cents
Flying Blue Store0.2 to 0.4 € cents

The lesson is clear: your Miles are worth the most in premium cabins, especially on Promo Rewards. Conversely, using them in the store or for hotel nights gives a poor return. For the full calculation, read our analysis of the real value of Flying Blue Miles.

Flying Blue miles expiration

Flying Blue Miles stay valid as long as your account remains active. In practice, they do not expire if one of these conditions is met:

  • You fly on an eligible flight at least once every 24 months with Air France, KLM or a partner airline
  • You hold Silver, Gold, Platinum or Ultimate status
  • You pay with a credit card carrying the Flying Blue logo at least once every 24 months

Careful: only cards carrying the Flying Blue logo extend validity (such as the Air France KLM World Elite Mastercard). American Express Membership Rewards transfers do not count for this condition. So remember to book at least one flight every two years using your Flying Blue number.

Flying Blue status levels

The program has five status levels: Explorer, Silver, Gold, Platinum and Ultimate. To move up, you earn Experience Points (XP) on your flights. Here are the thresholds in effect in 2026:

StatusThresholdSkyTeam equivalent
Explorer0 XP
Silver100 XPElite
Gold180 XPElite Plus
Platinum300 XPElite Plus
Ultimate900 UXPElite Plus

The way it works has changed since the program launched. You now have a 12-month qualification period that starts as soon as you earn your first Mile or XP. If you reach a new status, the period resets from the month of your upgrade. Good news: surplus XP (up to 300) can roll over to the next period, which helps you keep your status.

The very top tier, Ultimate, is not a simple XP level: it is an exclusive status above Platinum, earned with a separate currency (UXP), accumulated only on Air France and KLM flights. For the detailed steps, read our guide on Flying Blue status.

XP is calculated based on the flight type (domestic, medium-haul, long-haul) and the cabin. Here is the chart for flights operated by SkyTeam airlines:

Experience PointsDomesticMediumLong-haul
Economy258 to 12
Premium Economy41016 to 24
Business61524 to 36
First102540 to 60

The benefits of status

Aside from Platinum and Ultimate, which are mostly for very frequent flyers, the best benefits-to-effort status is Gold. It matches SkyTeam Elite Plus status with other alliance carriers. With Gold, you get:

  • Lounges: free access for you and a guest to all Air France KLM and SkyTeam lounges worldwide
  • SkyPriority: priority check-in, bag drop, boarding and baggage delivery
  • Seats: discounts on seat options and free standard seat selection
  • La Première: access to book a first-class ticket on Air France (at Platinum level)

To rack up XP, be strategic: every flight earns some, and international flights earn more. You could, for example, favour WestJet or Delta Airlines to the United States, or route through Amsterdam to reach France.

Conclusion

The Air France KLM Flying Blue program deserves a place in every Canadian traveller’s strategy. It is more accessible than ever thanks to the 1:1 transfer from American Express Membership Rewards and the Air France KLM World Elite Mastercard. To get the most out of it, target awards in premium cabins and Promo Rewards, where your Miles are worth the most.

To stay on top of promotions and news, sign up for our newsletter. And to choose the right card, compare our selection of the best credit cards in Canada.

Carte Air France KLM World Elite Mastercard®

Avec la Carte Air France KLM World Elite Mastercard®, vous pouvez obtenir des Miles Flying Blue sur tous vos achats :

  • 2 Miles par dollar pour les achats dans les restaurants et bars
  • 1 Mile par dollar pour tous les autres achats (y compris chez Costco)

En étant titulaire de la Carte Air France KLM World Elite Mastercard, vous obtenez chaque année 30 XP vous permettant de plus facilement vous qualifier pour un Statut Flying Blue.

Cette carte s’accompagne de nombreuses couvertures d’assurance pour vos achats et voyages.

Annual fee
$0 $132
No annual fee the first year
Our valuation
$132
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$132Total$132Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$132 annual fee rebated
Apply Now

on Brim's website

With the Air France KLM World Elite Mastercard®, you can earn Flying Blue Miles on all your purchases:

  • 2 miles per dollar on food and drinks
  • 1 Mile per dollar for all other purchases (including at Costco)

As an Air France KLM World Elite Mastercard credit cardholder, you earn 30 XP per year to help you qualify for Flying Blue Elite Status.

This card comes with many insurance coverages for your purchases and travels.

Annual fee

Primary card$132
Additional card$50

Annual income required

Individual$80,000
Household$150,000

Conversion fees

2.5%

Earning rate

  • 2xRestaurants
  • 1xAll spending

Value

1st Year Value$490
2nd Year Value$283

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Travel medical (65+)Up to $5,000,000 / 3 days
Trip CancellationUp to $2,000
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $150,000

Purchase protection

Purchase ProtectionUp to $999 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,500 / 1 years
Auto Rental CollisionUp to $85,000 / 48 days

Flying Blue – Frequently asked questions

Here are questions frequently asked in the milesopedia community about the Flying Blue program.

How do I earn Flying Blue Miles in Canada?

In Canada, the easiest way is to transfer American Express Membership Rewards points to Flying Blue, at a 1:1 ratio since January 2026. You can also earn Miles with the Air France KLM World Elite Mastercard®, by transferring Marriott Bonvoy points, by flying on Air France KLM or SkyTeam, and through partners (hotels, car rentals, shopping portal).

How much is a Flying Blue Mile worth?

The value of a Flying Blue Mile ranges from 0.2 to 2.5 euro cents depending on how you use it. Economy tickets offer about 0.3 to 0.9 cents, while business class climbs to 2.5 cents. To maximize value, aim for premium cabins and Promo Rewards. Our full analysis of Mile value details the method.

What are the Flying Blue status levels in 2026?

Flying Blue has five status levels: Explorer (0 XP), Silver (100 XP), Gold (180 XP), Platinum (300 XP) and Ultimate (900 UXP). You earn Experience Points on your flights during a 12-month qualification period. Gold offers the best benefits-to-effort ratio, with access to SkyTeam lounges and SkyPriority service. Our guide on Flying Blue status explains how to move up.

Do Flying Blue Miles expire?

Your Flying Blue Miles stay valid as long as your account is active. They do not expire if you fly on an eligible airline at least once every 24 months, if you hold a status, or if you pay with a card carrying the Flying Blue logo. Only those cards extend validity: American Express Membership Rewards transfers do not count for this condition.

How does award pricing work?

Flying Blue uses dynamic pricing: a seat’s price in Miles varies with demand, with no fixed chart. In 2026, a one-way flight between Canada and Europe starts around 25,000 Miles in economy and 60,000 Miles in business class, before promotions. Each month, Promo Rewards offer 25% to 50% off on selected routes.

Which credit card should I choose for Flying Blue in Canada?

You have two approaches. For flexibility, a Membership Rewards card like the American Express Cobalt® Card lets you transfer to Flying Blue at a 1:1 ratio. To earn Miles directly and extend their validity, the Air France KLM World Elite Mastercard® is a great fit. Compare your options on our page of the best cards to earn Flying Blue Miles.

Can I use Flying Blue Miles on WestJet?

Yes. WestJet is a Flying Blue partner, which makes it an excellent option for travel within Canada and to the United States, Hawaii or Mexico. For example, Montreal – Honolulu starts around 17,500 Miles and $112 one way. You book on the Air France KLM website using your Flying Blue account.

Go further with Flying Blue

To dig deeper, read our complete guide to the Flying Blue program and our ranking of the best cards to earn Flying Blue Miles in Canada. And if a Miles purchase promotion is running, take advantage of it with our guide to buying Flying Blue Miles.

Our featured card

Annual fee
$191.88
Our valuation
$255
Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

  • 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
  • 3X points on eligible streaming subscriptions in Canada.
  • 2X points on eligible gas, public transit and ride sharing purchases in Canada.
  • 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
  • 1X point per dollar on everything else, with no category restrictions.
  • Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
  • No minimum income requirement, as with every American Express Canada card.
  • Additional cards at no extra cost: the first and every other supplementary card is $0.
  • The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
  • Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
  • A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

  • Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
  • Restaurants and bars: sit-down meals, takeout and drinks.
  • Home food delivery.
  • Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

  • Emergency medical: up to $5,000,000 for the first 15 days of a trip.
  • Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
  • Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
  • Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
  • Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
  • Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt® Card fees

  • Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
  • Additional cards: $0.
  • Purchase interest rate: 21.99%.
  • Cash advance interest rate: 21.99%.
  • Foreign transaction fee: 2.5%.
  • Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.