Air France KLM Visa Signature

$89 annual fee · 1.5x on everything else · no foreign transaction fees

Earn rates · how we got this

CategoryRateCap
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.

More from Bank of America

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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.

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