Bank of America
Air France KLM Visa Signature Credit Card
Key Features
| Annual Fee | $89.00 |
| Sign-up Bonus | 50,000 Bonus Miles + 100 XP |
| Rewards Rate | 1.5x-3x Miles on all purchases |
| Intro APR | None |
| Regular APR | Standard APR 19.74% - 27.74% variable |
| Other Fees | Balance Transfer Fee 5% of each transaction |
| Network | Visa |
About this card
The Air France KLM Visa Signature Credit Card earns an 'Excellent' overall rating of 4.1/5.0, primarily due to its exceptionally strong rewards program, very competitive fee structure, and a clear, compelling value proposition for its specific target audience. For frequent flyers of Air France, KLM, and other SkyTeam airlines who are loyal to the Flying Blue program, this card is a standout. Its strengths are numerous and highly impactful: the rewards program offers a generous 3 Miles per $1 on Air France, KLM, SkyTeam, and dining purchases, along with a solid 1.5 Miles on all other spending. The sign-up bonus of 50,000 Bonus Miles plus 100 Experience Points (XP) is substantial and provides a strong head start on both award flights and elite status. A unique and highly valued feature is the ability to earn XP through card spending, offering a direct pathway to Flying Blue elite status. Furthermore, the annual 5,000 bonus miles effectively offsets a significant portion of the moderate $89 annual fee. Crucially for a travel card, it has no foreign transaction fees, making it ideal for international use. The primary drawback, and the main factor preventing a higher rating, is the card's APR. The complete absence of an introductory APR period and a high variable regular APR range (19.74% - 27.74%) makes carrying a balance on this card very expensive. While travel rewards cards are typically best for those who pay in full, this high APR represents a notable risk and cost for any cardholder who carries debt. Additionally, the rewards are exclusive to the Flying Blue program, limiting flexibility compared to cards with transferable points programs, and it has a high 5% balance transfer fee. In summary, the Air France KLM Visa Signature Credit Card is an excellent choice for its intended demographic: loyal Air France/KLM customers seeking to maximize Flying Blue miles and, especially, earn elite status. Its superior rewards, beneficial fee structure, and unique status-earning potential far outweigh its high APR for this niche, making it a highly valuable and well-designed product for the right consumer.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel and dining
- No foreign transaction fees
- Automatic elite status
- Transfer partners for redemptions
- Annual bonus miles
Things to consider
- Annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Online Offer: 50,000 Bonus Miles + 100 Experience Points (XP)
- after you make $2,000 or more in purchases within the first 90 days of your account opening
Rewards
- Earn 3 Miles for every $1 spent on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases.
- Earn 3 Miles for every $1 spent on eligible dining purchases.
- Plus, earn 1.5 Miles for every $1 spent on all other purchases.
Other features
- 5,000 Miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year
- Receive 20 XP every year on your account anniversary.
- Earn an additional 80 XP (totaling 100 XP) on the account anniversary after you spend at least $15,000 or more on purchases within the anniversary year.
- Plus, earn an additional 60 XP (totaling 160 XP) on the account anniversary after you spend $25,000 or more on purchases within the anniversary year.
- No matter where you're travelling, feel free to use your Air France KLM Visa Signature card without incurring foreign transaction fees when making purchases outside of the United States
- Redeem Miles toward flights with Air France, KLM Royal Dutch Airlines or any SkyTeam member airline to over 1,000 destinations worldwide
- We block potential fraud if abnormal patterns are detected and let you know if we suspect fraudulent activity. Plus, you always get a $0 Liability Guarantee for fraudulent transactions.
- An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your eligible Bank of America checking account to your credit card. No transfer fees. Other fees may apply.
- Opt for paperless credit card statements and increase account security while reducing paper consumption.
- Discover more ways to pay by adding your Bank of America credit card to your mobile device then shop in-store or in-app using Apple Pay, Google Pay or Samsung Pay.
- Access to our award-winning Online and Mobile Banking. Bank on the go from almost anywhere quickly and securely. Pay your credit card bill online, transfer funds, check available credit and more.
- Stay on top of your balances and due dates. Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.
Additional Notes
This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now. Note: minimum payments are applied to lower-interest balances first. Additional payments are applied to higher-interest balances first.