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Offers for the Citi® /
The Air France KLM
While the card has fewer perks than many airline cards, one key benefit is its ability to help you earn Flying Blue elite status. The limited-time offer on the card includes enough XP to get Silver status. Also, the anniversary miles alone help offset the $89 annual fee, making it a card worth considering for the long term. Here's everything you need to know about the Air France KLM Visa.
- Limited Time Online Offer! Earn 70,000 Bonus Miles + 100 Experience Points (XP) after you make $3,000 or more in purchases within the first 90 days of your account opening.
- Low $89 annual fee and no foreign transaction fees.
- 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. And, earn 1.5 Miles for every $1 spent on all other purchases.
- 5,000 Miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year.
- Redeem Miles toward flights with any SkyTeam member airline to over 1,000 destinations worldwide.
- Receive 20 XP every year on your account anniversary. Earn an additional 80 XP (totaling 100 XP) on the account anniversary after you spend $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.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 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
- Earn 1.5 Miles for every $1 spent on all other purchases
Air France KLM Visa Pros
- Earn three miles per $1 spent on purchases with Air France, KLM, and SkyTeam member airlines.
- Earn 5,000 anniversary bonus miles after spending just $50 on the card annually.
- Bonus 20 XP toward Flying Blue status each account anniversary.
- Earn an additional 80 XP by spending at least $15,000 in net purchases within your anniversary year.
- Earn an additional 60 XP (for a total of 160 XP) after you spend $25,000 or more on purchases within the anniversary year.
- No foreign transaction fees.
Air France KLM Visa Cons
- $89 annual fee means it's not free to hold.
- The value of Flying Blue miles has decreased due to a recent devaluation.
- Poor earning rates compared to other cards that can transfer points to Flying Blue.
Air France KLM Visa Welcome Offer
One of the most attractive features of the Air France KLM Visa Signature® credit card is the welcome offer. Limited Time Online Offer! Earn 70,000 Bonus Miles + 100 Experience Points (XP) after you make $3,000 or more in purchases within the first 90 days of your account opening.
AwardWallet members have recently redeemed Flying Blue miles for an average of 2.25¢ each. Using this value, the Air France KLM Visa welcome offer is worth around $1,550! This is an excellent value for a card that only has an $89 annual fee and moderate spending requirements.
Just note that Flying Blue has introduced fare tiers, making awards more expensive than they used to be.
Note that if you head to airfrance.com and perform a “dummy booking” of any flight, you may see an offer that includes an additional $100 statement credit on top of the standard welcome bonus. After this statement credit, you'd be net positive the first year before even considering the value of the miles and XP.
Air France KLM Visa Benefits
Compared to other airline credit cards, the Air France KLM Visa is short on benefits. It does provide anniversary XP and miles that help offset its annual fee, but it doesn't offer much more in terms of travel perks or insurance protections. Here is a rundown of the card's perks.
Anniversary miles
You'll receive 5,000 bonus miles each account anniversary if you spend $50 on the card within your cardmember year. This is easily achievable. Given the value AwardWallet users obtain from Flying Blue miles, these annual bonus miles are worth ~$112.
If you value Flying Blue miles at 1.78 cents or higher, you'll fully offset the card's $89 annual fee with this one perk alone.
Annual XP toward elite status
In addition to the bonus miles, the card provides 20 XP every account anniversary. This is a small boost toward the next elite status tier.
However, if you spend $15,000 on the card, you'll earn an additional 80 XP — for a total of 100 XP. This is enough to qualify for Flying Blue Silver (which requires 100 XP). Although the welcome offer includes 100 XP (and thus Silver status), these bonus XP on spend can help you reach the next status level in subsequent years. Just a few of the benefits of Silver status include:
- Earn 6 Miles per dollar spent
- Priority check-in, baggage drop-off and boarding
- Free selection of standard seats
- One free extra checked baggage item on SkyTeam flights
Additionally, if you reach $25,000 in spending within your anniversary year, you'll earn an additional 60 XP (totalling 160 XP), putting you well on your way to earning Flying Blue Gold status.
No foreign transaction fees
You can use your card outside the U.S. without incurring foreign transaction fees on your purchases. This is one of the only travel benefits offered by the card.
Air France KLM Visa Earning Rates
The Air France KLM Visa earns 3X miles on eligible Air France, KLM Royal Dutch Airlines, and SkyTeam member airline purchases; 3X on eligible dining purchases; and 1.5X miles per $1 spent on all other purchases.
Earning 1.5 miles on all other purchases might sound great for an airline card. Most earn just one mile per dollar, and Flying Blue miles are among the more valuable mileage currencies.
However, keep in mind that there are many cards that can effectively earn Flying Blue miles. This is because Flying Blue is a transfer partner of almost every transferable points program.
Earn miles on rent payments through Bilt
As part of a new partnership, Air France KLM Visa cardholders can earn three miles per $1 spent on rent payments through Bilt, on up to $50,000 per calendar year. This is a great way to earn miles on an expense that usually wouldn't yield any. However, note that a 3% transaction fee applies to these rent payments, so be sure to determine if the value of the miles outweighs the cost.
Related: The best
Redeeming Miles From the Air France KLM Visa
Award travel
The best way to use your miles is for award flights through Flying Blue. As we mentioned, AwardWallet members obtain 2.25¢ per point on average when redeeming Flying Blue miles. Redeeming for long-haul business or first class gets the best value, with our members averaging 2.68¢ per mile for these types of award flights. Business class flights between the U.S. and Europe on Air France and KLM start at 60,000 miles one way.
Economy flights to Europe and North Africa provide good value as well. You'll need to watch out for award taxes, fees, and surcharges, though, as these are higher than with many other programs.
Make sure you check out the monthly Flying Blue Promo Rewards. Almost every month, you'll find U.S. routes for 25-50% off standard award redemption rates. However, routes change each month.
One final thought on award travel: If you aspire to fly Air France La Premiere first class (without paying cash for it), Flying Blue miles are the only way to do so. You will have to redeem a ton, though. Flights from the U.S. to Europe start at 200,000 Flying Blue miles. You also have to hold at least Flying Blue Platinum status to book these awards, which the Air France KLM Visa can help you earn.
Related: Air France-KLM Flying Blue Rewards Sweet Spots
Other uses of miles
Flying Blue offers several other ways to use their miles, although none come close to the value you get from booking award flights. You can redeem miles for:
- Merchandise through the Flying Blue store.
- Book experiences.
- Hotel stays and car rentals.
Booking through these other avenues usually returns abysmal value — around .5¢ per point. Again, we strongly recommend redeeming miles for flights.
Application Restrictions
Bank of America issues the Air France KLM Visa, which has a 2/3/4 rule for new card approvals. This isn't as onerous as the infamous Chase 5/24 rule, but you should be aware of it nonetheless. In a nutshell, the rule limits you to:
- Two new Bank of America cards in any two-month period
- Three new Bank of America cards in any 12-month period
- Four new Bank of America cards in any 24-month period
This rule applies to personal Bank of America cards, which includes the Air France KLM Visa. If you've already been approved for the maximum number of new cards in a given period, you won't be approved for a new account. This is different than Chase 5/24, as the Bank of America 2/3/4 rule is not looking at new card approvals across all issuers.
However, another Bank of America rule considers how many new credit cards you've opened across all issuers and provides more leniency for those with Bank of America checking, savings, and investment accounts. If you've opened three or more cards in the past 12 months (across all issuers), you won't be approved for a Bank of America personal credit card. However, that number bumps up to seven new cards for those with Bank of America accounts.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the Air France KLM Visa
If you don't think this is an airline card that will benefit you, here are a handful of other options:
- If you want flexible rewards you can transfer to Flying Blue, consider the Chase Sapphire Preferred® Card. This card earns transferable Ultimate Rewards points that can be transferred to Flying Blue — among 10 airline partners — at a 1:1 ratio. You can also transfer points to four hotel programs, redeem them directly for travel, or cash them out. Here's our full review of the Sapphire Preferred.
- If you want miles with a U.S. airline that you can redeem for travel on SkyTeam airlines, look into the
Delta SkyMiles American Express - If you want a different card that helps you earn airline elite status, check out the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. This card earns one
American Airlines
$95Rates & Fees
- 5X points on Lyft rides through September 2027
- 5X points on travel purchased through Chase Travel℠
- 3X points on dining at restaurants worldwide
- 3X points on gas and EV charging
- 3X points on vacation homes at top brands like Airbnb, Vrbo and more
- 3X points on eligible streaming services
- 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
- 2X points on all other travel
- 1X point per dollar spent on all other purchases
$0 introductory annual fee for the first year, then $150Rates & Fees
(Terms apply)
- 2X miles per dollar spent on purchases made directly with Delta
- 2X miles per dollar spent at U.S. supermarkets
- 2X miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
- 1X miles on all other eligible purchases
$99, waived for first 12 months
- Earn 2X miles for every $1 spent at restaurants
- Earn 2X miles for every $1 spent at gas stations
- Earn 2X miles for every $1 spent on eligible American Airlines purchases
- Earn 1X mile for every $1 spent on all other purchases
Bottom Line
The Air France KLM Visa Signature® credit card may not have as many perks as other airline cards. Despite this, it can help you earn Flying Blue elite status and provide ongoing value through bonus miles each year — just enough perks to justify its $89 annual fee and keep the card in your wallet.
- Limited Time Online Offer! Earn 70,000 Bonus Miles + 100 Experience Points (XP) after you make $3,000 or more in purchases within the first 90 days of your account opening.
- Low $89 annual fee and no foreign transaction fees.
- 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. And, earn 1.5 Miles for every $1 spent on all other purchases.
- 5,000 Miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year.
- Redeem Miles toward flights with any SkyTeam member airline to over 1,000 destinations worldwide.
- Receive 20 XP every year on your account anniversary. Earn an additional 80 XP (totaling 100 XP) on the account anniversary after you spend $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.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
- 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
- Earn 1.5 Miles for every $1 spent on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees), and Delta SkyMiles® Gold American Express Card (Rates & Fees)
