Air France KLM Visa Signature Card
- **Welcome offer: 50,000 miles plus 100 Experience Points (XP) after $2,000 in purchases within the first 90 days, per the Bank of America online offer when we checked.** Offers can differ by channel and change, so confirm on the issuer page before applying.
- **Flat, simple earning: 3X on Air France, KLM, and SkyTeam airline purchases, 3X on dining, and 1.5X on everything else.** For a card under $100 a year, 1.5X on all non-bonus spend is genuinely competitive.
- **The XP engine is the real reason to hold this card.** You get 20 XP automatically every account anniversary, 100 XP total once you spend $15,000 in a year, and 160 XP total at $25,000. Very few US credit cards hand you status-qualifying credit directly, so this is one of the only ways to climb Flying Blue tiers without flying.
- **5,000 anniversary miles** every year after you spend at least $50 during the anniversary year - an easy bar to clear.
- **No foreign transaction fees**, so it is a sensible card to actually carry abroad, not just earn on at home.
- **$89 annual fee, Visa Signature.** It earns its keep if you value Flying Blue miles and want the XP toward status; if you never fly SkyTeam, the earning alone probably will not justify it.
The Air France KLM Visa Signature from Bank of America is the U.S. co-brand for Flying Blue, Air France-KLM's loyalty program. It earns 3X miles on Air France, KLM, and SkyTeam airline purchases, 3X on dining, and 1.5X on everything else - a generous flat rate for a sub-$100 card. The real differentiator is Experience Points (XP): the card hands you status-qualifying XP each anniversary (up to 160 with enough spend), a rare way to climb Flying Blue elite tiers through a credit card. Add 5,000 anniversary miles and no foreign transaction fees, and it's a solid pick for SkyTeam flyers.
Welcome bonus
What you get for signing up and hitting the minimum spend.
50,000 Flying Blue Miles · $2,000 spend in 3mo
See the offer →
Welcome bonus
What you get for signing up and hitting the minimum spend.
50,000 Flying Blue Miles · $2,000 spend in 3mo
50,000 Flying Blue Miles after spending $2,000 in the first 3 months.
50,000 bonus miles plus 100 Experience Points after $2,000 in purchases within the first 90 days, per the Bank of America online offer, checked 2026-10-01. Offers can differ by channel.
Earn rates
How many points per dollar across categories.
3 categories · top rate 3x
See the multipliers →
Earn rates
How many points per dollar across categories.
3 categories · top rate 3x
Card-level multipliers. Earn currency: Flying Blue.
| Category | Rate | Notes |
|---|---|---|
| Flights | 3x | 3X miles on eligible Air France, KLM, and SkyTeam member airline purchases. |
| Dining | 3x | 3X miles on eligible dining. |
| All other purchases | 1.5x | 1.5X miles on all other purchases. |
Transfer in
Programs that transfer into Flying Blue — additional paths to top up your balance.
14 programs transfer in
See the inbound paths →
Transfer in
Programs that transfer into Flying Blue — additional paths to top up your balance.
14 programs transfer in
You can transfer points into Flying Blue from 14 other programs — useful if you want to combine balances from multiple loyalty currencies before booking.
| From | Ratio | Notes |
|---|---|---|
| ALL - Accor Live Limitless | 1:1 | 2,000 Reward points = 2,000 Flying Blue Miles. Dual-earn partnership (ALL x Flying Blue): once accounts are linked you earn Miles and Reward points simultaneously on stays and flights. The legacy 2:1 rate still appears on Accor's general airline-conditions table; the linked partnership page shows 1:1. |
| American Express Membership RewardsBONUS | 1:1 | 1,000 MR = 1,000 Flying Blue miles (Air France-KLM) |
| Best Western Rewards | 6:1 | Air France-KLM Flying Blue. 6,000 Best Western points = 1,000 Flying Blue miles (6:1) - worse than the 5:1 standard. Poor value - top-off only. No transfer tax. |
| Bilt Rewards | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Capital One Miles | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Chase Ultimate Rewards | 1:1 | 1,000 UR = 1,000 Flying Blue miles (Air France-KLM). |
| Choice Privileges | 5:1 | Choice Rewards Exchange (powered by Points.com). Air France KLM Flying Blue. Starts at 5,000 Choice points for 1,000 Flying Blue Miles. Airline-miles exchanges are generally weak value. |
| Citi ThankYou Rewards | premium1:1 standard1:0.7 | Air France-KLM Flying Blue. |
| Hilton Honors | 10:1 | Air France/KLM Flying Blue. 20,000-point minimum. |
| IHG One Rewards | 5:1 | Convert IHG points to Air France KLM Flying Blue by calling IHG One Rewards. Airline transfers are phone only, never online. Standard rate is 5,000 IHG points for 1,000 miles and can take up to six weeks to arrive. Airline conversions are usually weak value, so keep IHG points for hotel nights unless topping off a specific balance. |
| Marriott Bonvoy | 3:1 | Base 3:1 with a 5,000-mile bonus per 60,000 points transferred (effectively ~2.4:1 in 60K increments). |
| Radisson Rewards | 10:1 | To Air France-KLM Flying Blue (10 Radisson points = 1 mile), auto-redeemed in 10,000-point increments. No transfer tax. Confirmed partner. |
| Rove MilesBONUS | 1:1 | Air France-KLM Flying Blue, 1:1. 40% bonus through Oct 31, 2026. |
| Wells Fargo Rewards | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Status
Hotel / airline / partner status this card grants.
1 benefit
See the details →
Status
Hotel / airline / partner status this card grants.
1 benefit
Other
Other perks on this card.
3 benefits
See the details →
Other
Other perks on this card.
3 benefits