Air France KLM Visa Signature
$89 annual fee · 1.5x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Everything else | 1.5x | uncapped |
| Flights at Air France-KLM (and SkyTeam airlines) only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
3x | uncapped |
See how it ranks: best dining cards.
Non-cash perks
- 5,000 bonus Flying Blue miles each card anniversary (requires at least $50 in card spend during the prior year)
- 20 XP each cardmember anniversary, plus up to 80 additional XP for $15,000+ in prior-year spend (up to 160 total XP for $25,000+ spend)
- 100 XP included in the welcome bonus, which grants automatic Flying Blue Silver status (priority check-in/boarding, free standard seat selection, one free extra checked bag on SkyTeam flights)
- No standalone free-checked-bag benefit at the base cardholder tier (a gap versus some competing airline cards)
- No foreign transaction fees
Does the fee earn out? · how we got this
The $89 fee minus $0 in printed credits leaves $89/yr to earn back through rewards — roughly $2,473 of dining spending at 3x (valuing Flying Blue at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.bankofamerica.com · www.nerdwallet.com · www.bankofamerica.com. Spot an error? Tell us.