Highlights

  • Earn 3 Miles per USD 1 on direct purchases from Air France, KLM and SkyTeam member airlines, as well as eligible dining purchases.
  • Receive 20 XP on each account anniversary; after reaching the annual qualifying-spend thresholds, total anniversary XP can be as high as 160.
  • The annual fee is USD 89; spend at least USD 50 in qualifying purchases during the anniversary year to receive another 5,000 Miles.
  • No foreign transaction fee.
Air France KLM Visa Signature® Credit Card

Issuer: Bank of America
Network: Visa
Card type: Credit card
Annual fee: USD 89 for the Basic Card
Foreign transaction fee: None

Rewards are issued as Miles and Experience Points (XP) in the Air France KLM Flying Blue programme. The email provided during the application is linked to the Flying Blue account, and Miles and XP are deposited into the primary Cardmember’s Flying Blue account.

Welcome offer

[Updated August 24, 2026] The Flying Blue application page appears to show a better offer, along with a new Bilt 3x feature:

  • Spend USD 3,000 within the first 90 days to earn 70,000 Bonus Miles + 100 XP.
  • New promotion: earn 3 Miles per USD 1 on rent payments made through Bilt, up to USD 50,000 per year.

Apply through the official website 🔗

[Updated August 24, 2026] 50,000 airline Miles + 100 Experience Points (XP):

  • Spend USD 2,000 within the first 90 days to earn 50,000 Bonus Miles + 100 XP.
  • The 100 XP is enough to qualify for Flying Blue Silver status.
  • Each new Air France KLM credit-card account is limited to one Bonus Miles offer. Each Flying Blue member is limited to one new-account XP bonus in any 24-month period. Existing-account conversions do not qualify. After meeting the requirements, allow one or two billing cycles for the rewards to post to the primary Cardmember’s Flying Blue account.

Apply through the official website 🔗

Eligibility: Applicants must be at least 18 years old, or at least 21 if they are permanent residents of Puerto Rico. The residential address must be in one of the 50 U.S. states, Washington, D.C., APO/FPO/DPO, Guam, Puerto Rico, the Northern Mariana Islands, American Samoa or the U.S. Virgin Islands.

Everyday earning

3x: Eligible Net Purchases made directly with Air France, KLM Royal Dutch Airlines or SkyTeam member airlines, as well as eligible dining purchases, earn 3 Miles per USD 1. This rate does not stack on top of the base earn rate. Buying Flying Blue Miles does not qualify for the 3x airline category.

3x: Rent payments made through Bilt earn 3 Miles per USD 1, up to USD 50,000 per year.

1.5x: Other Net Purchases earn 1.5 Miles per USD 1. Balance transfers, cash advances, fees, interest, fraudulent transactions and other non-purchase items do not earn Miles. Returns, credits and adjustments reduce Net Purchases.

⚠️ Note: Reaching certain annual spending thresholds also earns additional XP.

Benefits and account features

  • Anniversary Miles

    If the account remains open with active charging privileges on the anniversary date and at least USD 50 in qualifying Net Purchases, excluding fees, posts during that anniversary year, you receive 5,000 Miles. Cash advances and balance transfers do not count. Miles usually post to the primary Cardmember’s Flying Blue account within one or two billing cycles after the anniversary date.

  • Anniversary Experience Points

    Receive 20 XP on each account anniversary. If qualifying Net Purchases during the anniversary year reach USD 15,000, the anniversary total is 100 XP; at USD 25,000, the anniversary total is 160 XP. The website describes the higher tiers as additional XP, so the 20, 100 and 160 XP amounts should not be added together. Annual fees and other fees, cash advances and balance transfers do not count toward the thresholds.

  • $0 Liability Guarantee

    Unauthorized transactions on the credit-card account may qualify for the $0 Liability Guarantee. Notify Bank of America immediately after discovering unauthorized use. The account holder or an Authorized User can submit a claim for pending or posted transactions, subject to dollar limits and verification requirements.

  • Balance Connect® for overdraft protection

    This optional service can link an eligible Bank of America deposit account to the Card to help cover an overdraft. The website says there is no transfer fee, but the transferred amount is treated as a Bank Cash Advance and accrues interest from the transaction date. The service may be unavailable for up to 14 days after account opening. Available cash, account default status and the deposit-account terms all affect eligibility.

  • Digital Wallet Technology / Online & Mobile Banking / Account Alerts

    The website lists support for adding the Card to Apple Pay®, Google Pay™ and Samsung Pay®, along with online/mobile banking and account alerts. Availability depends on the device, account and service terms; mobile carriers may charge message or data fees.