Card benefits change often, and this page may be out of date by the time you read it. Always check the bank’s page and your card’s guide to benefits for the current terms before you rely on a benefit.
The Air France KLM Visa Signature is Bank of America’s Flying Blue card (it was a World Elite Mastercard until March 2026). For $89 a year it earns 3 miles per dollar on Air France, KLM and SkyTeam purchases, dining, and rent paid through Bilt, 1.5 miles everywhere else, 5,000 bonus miles each anniversary, and Experience Points (XP) toward Flying Blue elite status.
Flying Blue miles are easy to get without this card, since Amex, Chase, Citi, Capital One and Bilt all transfer to them, so the real reasons to get it are the bonus and the XP. Below is how it earns, how the XP ladder works, what the card doesn’t include, the rules, and my verdict.
Air France KLM card at a glance
- Annual fee: $89
- Current public offer: 70,000 miles plus 100 XP (enough for Flying Blue Silver) after $3,000 in purchases in the first 90 days (as of October 14, 2026, per Frequent Miler)
- Is it the best ever?: No. It was 100,000 miles plus 100 XP (after $7,500 in 180 days) until August 2026, the best Frequent Miler has seen on this card.
- Foreign transaction fee: None
- Best for: People chasing Flying Blue status who’ll put $15,000 to $25,000 a year on the card for the extra XP, or anyone who wants the bonus after they’ve used up the transferable-points bonuses.
- Skip it if: You just want Flying Blue miles. Transfers from Amex, Chase, Citi, Capital One or Bilt get you the same miles on cards that earn more.
- Bank’s page: Air France KLM card on klm.com (applications go to Bank of America)
Jump to: Highlights · Earning · XP and anniversary miles · Perks · Insurance · Application rules · My take · The catch · Keep it? · Offer history · Quick Answers
The highlights
- 3x on Air France, KLM and SkyTeam purchases and dining; 3x on rent paid through Bilt up to $50,000 a year (Bilt charges a 3% fee on this card); 1.5x elsewhere
- 5,000 bonus miles every anniversary after just $50 in purchases
- 20 XP each anniversary, 100 XP (Silver) after $15,000 in purchases in the anniversary year, 160 XP after $25,000
- 100 XP with the welcome offer, which is Flying Blue Silver on its own
- Miles don’t expire as long as you use the card at least once every 2 years
- No lounge access, free bags or travel credits; no published travel insurance; no foreign transaction fees
How it earns
| Category | Rate | Caps and fine print |
|---|---|---|
| Air France, KLM and SkyTeam member airline purchases | 3x | No cap. Purchases made directly with the airlines; buying Flying Blue miles doesn’t count. |
| Dining | 3x | No cap. |
| Rent paid through Bilt | 3x | Up to $50,000 a year, then 1.5x. Bilt charges a 3% fee on rent paid with this card, which wipes out most of the gain. |
| Everything else | 1.5x | No cap. |
Flying Blue miles book Air France, KLM and SkyTeam awards (Delta, Virgin Atlantic and others) and are known for monthly Promo Rewards discounts. They’re also a transfer partner of American Express, Chase, Citi, Capital One and Bilt (see my transfer partners guide), which is why a dedicated card is rarely necessary just for the miles. The 3x on Bilt rent is listed by KLM as a new promotion and isn’t in Bank of America’s card terms yet.
Credits and how to use them
The card has no statement credits. Its yearly value is the anniversary miles and the XP, and XP is the part you can’t get from transfers.
| Credit | Amount | How often | Where / how | The catch |
|---|---|---|---|---|
| Anniversary miles | 5,000 miles | Each account anniversary | Spend at least $50 on purchases in the anniversary year | The easy one: one small purchase a year. |
| Anniversary XP | 20 XP | Each account anniversary | Automatic | Silver needs 100 XP, so 20 alone doesn’t do much. |
| Spend XP (tier 1) | +80 XP (100 total) | Each anniversary | Spend $15,000 on purchases in the anniversary year | 100 XP is Silver by itself; $15,000 is a lot of spending at 1.5x. |
| Spend XP (tier 2) | +60 XP (160 total) | Each anniversary | Spend $25,000 on purchases in the anniversary year | Gold needs 280 XP in total, so you still need flights to get there. |
| Welcome XP | 100 XP | Once per Flying Blue member every 24 months | Comes with the welcome offer | Limited to once per Flying Blue member in any 24-month period, however many Air France KLM cards are opened. |
Perks
- Flying Blue Silver (100 XP, which the welcome offer and the $15,000 spend tier each give you): priority check-in, bag drop and boarding, free standard seat selection, some free seat options 24 hours before departure and one extra free checked bag on SkyTeam flights, per KLM.
- Flying Blue XP: Flying Blue counts status over a 12-month qualifying period, with Silver at 100 XP, Gold at 280 and Platinum at 580 in total (completed tiers’ XP are deducted as you move up); card XP doesn’t count toward Ultimate.
- No lounge access, no free checked bags, no priority boarding beyond what status gives you.
Insurance and protections
| Benefit | What the bank says |
|---|---|
| Trip delay, trip cancellation, baggage delay, lost luggage | Not published. Bank of America and KLM only say the card is a Visa Signature, and the card terms say benefit details come with the new account materials; none of the reviews I checked (One Mile at a Time, AwardWallet, Frequent Miler, all October 2026) list any travel insurance for it. One-way and award tickets: Not published, so I can’t say whether award or one-way tickets would be covered. Book flights on a card with documented coverage. |
| Fraud | $0 liability guarantee |
If you hold the card, the guide to benefits that comes with it is the only place the coverage is spelled out.
For how this compares with other cards, see my card travel benefits comparison.
Application rules for this card
- Bank of America’s terms for this card don’t include its usual “preceding 24 month” line. They limit the bonus miles to one per new account and the 100 XP to once per Flying Blue member in any 24-month period, however many Air France KLM cards are opened.
- Converting an existing Bank of America card doesn’t qualify for the offer; it’s for new accounts only.
- The 2/3/4 rule: Bank of America approves at most 2 new cards in 2 months, 3 in 12 months and 4 in 24 months, and data points suggest a 7/12 limit on new cards from all banks if you have a Bank of America deposit account (3/12 if you don’t). Details are in my application rules guide.
The full rules for every bank are in my credit card application rules guide.
My take
An $89 fee, and the 5,000 anniversary miles (for one $50 purchase) cover most of it in my eyes, since Flying Blue miles are easily worth a cent or more each. That makes the card nearly free to keep, so the question is only whether it’s worth a spot in your wallet.
For the miles alone it isn’t: 1.5x everywhere is fine, but Chase, Amex, Citi, Capital One and Bilt points transfer to Flying Blue and earn more. The case for it is XP. The welcome offer’s 100 XP is Silver on its own, and $15,000 of spending a year gets you 100 XP again, which matters to anyone who flies Air France or KLM a few times a year and wants a head start on Gold.
In any case, I personally would hate to sign up at 70,000 miles when 100,000 was available as recently as August 2026.
The catch
Flying Blue miles are a transfer partner of nearly every bank, so this card is rarely needed for the miles, and the 3x on Bilt rent comes with Bilt’s 3% fee, which cancels most of it. The XP tiers need $15,000 and $25,000 of spending, which is a lot to put on a 1.5x card.
There’s no published travel insurance, no lounge access and no free bags, so it’s a points-and-status card and nothing more.
Keep it after year one?
The fee to me is $89 minus the 5,000 anniversary miles (worth roughly $50 to $65), which is about $25 to $40 a year. If you’re working toward Flying Blue status and will hit $15,000 on it, keep it. Otherwise it’s a sock-drawer card after the bonus at best; I’d cancel it before the second fee unless the anniversary miles are worth the fee to you.
Offer history
| Offer | Ended |
|---|---|
| 100K + 100 XP | 2026-08 |
| 70K + 100 XP | 2026-05 |
The 70,000-mile offer listed as ending in May 2026 returned in August 2026 and is the current offer.
Quick Answers
$89 a year as of October 2026, not waived the first year. There’s no foreign transaction fee.
As of October 14, 2026, 70,000 miles plus 100 XP after $3,000 in purchases in the first 90 days. It was 100,000 miles plus 100 XP until August 2026.
20 XP every anniversary, 100 XP total if you spend $15,000 in the anniversary year, and 160 XP total at $25,000, plus 100 XP with the welcome offer. Flying Blue Silver is 100 XP.
Visa. Bank of America converted it from a World Elite Mastercard to the Air France KLM Visa Signature starting in March 2026.
No. American Express, Chase, Citi, Capital One and Bilt points all transfer to Flying Blue. The card’s unique value is the XP toward status.
Last checked: October 14, 2026. Card terms change often, so confirm on the bank’s page before you apply. There are no affiliate or referral links on this site, ever; links go to the bank’s own page.