Air France KLM Visa® Credit Card
50,000 Miles after you spend $2,000 in 3 months. $89 a year.
- Welcome offer
- Issuer's pagebankofamerica.com
“Online Offer: 50,000 Bonus Miles + 100 Experience Points (XP)”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“Low $89 annual fee † and no foreign transaction fees †”
- Purchase APR
- Issuer's pagebankofamerica.com
“APR: 19.74% - 27.74%”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
“No foreign transaction fees †”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $610 | $110 |
| Typical spender | $915 | $415 |
| Heavy spender | $1,565 | $1,065 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 50% of the 128 cards on our Sign-up bonuses list (see the list).
- Lower annual fee than about 30% of the 131 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 Miles
After you spend $2,000 on purchases in your first 3 months.
Earn 100 Experience Points (XP) after making $2,000 or more in purchases within the first 90 days of account opening.
How you earn
- 3× mileseligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases
- 3× mileseligible dining purchases
- 1.5× milesEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “Low $89 annual fee † and no foreign transaction fees †” |
|---|---|
| Purchase APR | Issuer's pagebankofamerica.com “APR: 19.74% - 27.74%” |
| Intro APR | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagebankofamerica.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 “No foreign transaction fees †” |
Carrying a balance? See how long it takes to pay off
Benefits
- Redeem Miles toward flights with Air France, KLM Royal Dutch Airlines or any SkyTeam member airline to over 1,000 destinations worldwide.
- 5,000 Miles every year on the account anniversary after spending $50 or more on purchases within the anniversary year.
- Receive 20 XP every year on the account anniversary.
- Earn an additional 80 XP, totaling 100 XP, on the account anniversary after spending at least $15,000 on purchases within the anniversary year.
- Earn an additional 60 XP, totaling 160 XP, on the account anniversary after spending $25,000 on purchases within the anniversary year.
- No foreign transaction fees on purchases made outside the United States.
Questions
- What is the annual fee?
- $89 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 19.74–27.74% APR bankofamerica.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 Miles after $2,000 in purchases in 3 months. bankofamerica.com, since Oct 4, 2026
Other miles cards with fees up to $100
- Venture RewardsCapital One · $95 a year+$90 a year
- Cathay PacificSynchrony · $99 a year−$180 a year
- ANA CARD USA Plus VisaFNBO · $85 a year−$185 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).