Air France KLM Visa Signature® Credit Card
Earn 3x miles on SkyTeam flights and dining with a fast track to Flying Blue Silver status
Earn 50,000 bonus Flying Blue miles plus instant Silver status qualification with 100 XP. Get 3x miles on Air France, KLM, and SkyTeam airline purchases plus dining, and 1.5x on everything else. Earn up to 160 XP annually toward elite status, plus 5,000 anniversary miles worth ~$65 — all for an $89 annual fee with no foreign transaction fees.
- Annual Fee
- $89
- miles · Welcome Bonus
- 50,000
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $89
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Air France/KLM Flying Blue
- Point Valuation
- 1–1.45 cpp (mid: 1)
- Credit Required
- Good to Excellent
Welcome Offer
50,000
miles
Spend $2,000 in the first 3 months
Earning Rates
- 3X
Dining
Earn 3 Miles per $1 spent on eligible dining purchases (added January 2026)
- 3X
Aerolineas Argentinas
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Aeromexico
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Air Europa
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Air France
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
China Airlines
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
China Eastern
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Delta
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Garuda Indonesia
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Kenya Airways
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Klm
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Korean Air
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Middle East Airlines
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Sas
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Saudia
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Tarom
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Vietnam Airlines
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Virgin Atlantic
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 3X
Xiamenair
3 total miles per $1 on eligible purchases directly with this SkyTeam member airline, subject to eligible merchant coding; purchases of Flying Blue miles do not qualify. ordinary purchases earn 1.5 miles per $1.
- 1.5X
All Other
Earning Scenarios
3x Miles on Air France, KLM & SkyTeam
A $500 round-trip flight on Air France earns 1,500 miles, worth $19.50 in redemption value.
3x Miles on Dining
Spending $200/month at restaurants earns 600 miles monthly, or 7,200 miles per year ($93.60 value).
1.5x Miles on All Other Purchases
Putting $1,500/month in everyday spending on this card earns 2,250 miles monthly, or 27,000 miles per year ($351 value).
Benefits & Perks
Elite Status & Memberships
Fast track to top-tier perks
Up to 160 XP yearly toward Flying Blue status
Earn 20-160 Experience Points annually toward Flying Blue Silver, Gold, or Platinum elite status through card spending.
Insurance & Protections
1 protections$0 liability on fraudulent transactions
Full protection against unauthorized transactions with proactive fraud monitoring and alerts.
Dining Out
3x at restaurants
Flying Blue
≈$3 in value on a $100 dinner, at our valuation of 1¢ per point
Annual fee: $89
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Flying Blue
Everyday loyalty program
Flying Blue is the combined loyalty program of Air France and KLM Royal Dutch Airlines, serving over 20 million members worldwide. As a SkyTeam alliance program, Flying Blue miles can be earned and redeemed across 19 partner airlines including Delta, Virgin Atlantic, and Korean Air. The program is known for its monthly Promo Rewards feature, which offers 25-50% discounts on select award routes. Flying Blue uses a dynamic pricing model where award costs vary based on cash ticket prices and availability. Flying Blue takes 1:1 point transfers from American Express, Chase, and Citi, making it accessible to US-based credit card rewards enthusiasts. Chase says most transfers process by the next business day; some take up to 7 business days.
Program Ratings
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| US to Mexico in Economy on a Partner | 11,500 | economy | Central America |
| US to Europe in Economy | 25,000 | economy | Europe |
| US to Northern Africa in Economy | 25,000 | economy | Africa |
| US to Mexico in Business on a Partner | 30,000 | business | Central America |
| US to Europe in Business | 60,000 | business | Europe |
| US to Northern Africa in Business | 60,000 | business | Africa |
| Intra-Europe in Economy | 7,500 | economy | Europe |
| US to Hawaii in Economy (via Delta) | 17,500 | economy | Pacific Islands |
| US to Tahiti in Economy (Air France) | 35,000 | economy | Pacific Islands |
| US to Tahiti in Business (Air France) | 90,000 | business | Pacific Islands |
| US to Central America in Economy (Copa) | 21,500 | economy | Central America |
| US to Sub-Saharan Africa in Economy | 40,000 | economy | Africa |
| US to Japan in Business (Japan Airlines) | 80,000 | business | Asia |
| US to Europe in Premium Economy | 40,000 | premium_economy | Europe |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #45 of 119 | ||
| The Points Guy | 3/5 |
How It Compares
The only US co-branded card for Air France/KLM/Flying Blue. While it lacks the premium perks of other airline cards (no free bags, no priority boarding, no lounge access), it excels at earning Flying Blue elite status through spending. The 160 XP annual cap gets you over half way to Platinum requalification. Transferable points cards like Chase Sapphire Preferred ($95) offer more versatile alternatives with Flying Blue as a transfer partner.
The Math: Is $89 Worth It?
First-year value includes $500 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$89
Net Annual Value
-$89
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| B of A 2/3/4 | Bank of America limits the number of personal cards issued by the bank that you can get within a certain time frame |
Payment Terms
| Purchase APR | 19.74%–27.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
Can I transfer Chase points to Flying Blue?
Yes. Chase Ultimate Rewards transfers 1:1 to Flying Blue; Chase says most transfers process by the next business day and some take up to 7 business days. Flying Blue is also a transfer partner of Amex, Bilt, Capital One, Citi, and Wells Fargo — making it accessible from every major US points currency.
Can I use Delta miles on Air France?
You cannot book Air France flights directly with Delta SkyMiles. However, Delta sometimes releases Air France/KLM award space on delta.com. Alternatively, transfer credit card points to Flying Blue and book directly through Air France or KLM.
How do I search for Flying Blue award flights?
Log in to your Flying Blue account on airfrance.us or klm.com, select "Book with Miles," and leave the date field blank to see an entire month's availability at once — this hidden calendar view shows the lowest pricing across all dates.
Do Flying Blue miles expire?
Yes, Flying Blue miles expire after 2 years of inactivity. Any mileage earning activity (flights, credit card spending, partner transactions) resets the 2-year clock. Holding elite status also prevents expiration.
How much are Flying Blue miles worth?
The Points Guy values Flying Blue miles at 1.45 cents each (November 2026) and NerdWallet at 1.0 cent (October 2026). Conservative estimates place them at 1.0 cent. The best value comes from business class redemptions during Promo Rewards, where you can achieve 2-3+ cents per mile.
What are Flying Blue Promo Rewards?
Each month, Flying Blue releases discounted award tickets on select routes with 25-50% off regular pricing. Economy awards can drop below 10,000 miles and business class to 45,000 miles for US-Europe routes. Check flyingblue.com/en/spend/flights/rewards for current offers.
How many miles do I need for a free flight on Air France?
The lowest pricing starts at 7,500 miles for intra-Europe economy one-ways. US to Europe starts at 25,000 economy, 40,000 premium economy, or 60,000 business class one-way at saver level.
Media & Resources
Video Reviews
8 videosIs the US Flying Blue Card worth it? | 2025 Review
Air France Credit Card Review!!
Flying to Europe? | You WILL need the Air France KLM Mastercard!
Is the AIR FRANCE/KLM World Elite Mastercard worth the IT?
Air France MasterCard Review 2025 | Is this Card Worth It?
Air France KLM Credit Card Review | 25,000 Air France Miles
A closer look at the new Air France KLM Flying Blue World Elite Mastercard
Third-Party Articles & Reviews
Air France-KLM Mastercard review: Full details
Comprehensive review covering the card's earnings structure, bonus anniversary miles, and suitability for frequent Air France and KLM flyers.
5 Things to Know About the Air France-KLM Credit Card
Overview of key benefits including 3x miles on Air France/KLM/SkyTeam purchases and anniversary bonuses.
Air France KLM Visa Signature Credit Card: Full Review [2026]
Complete review of the card's value proposition for Flying Blue miles and SkyTeam elite status earning.
Air France KLM World Elite Mastercard review: A useful card for international travelers
Analysis of the card's benefits for frequent travelers to Europe with Air France and KLM.
Air France KLM World Elite Visa Signature Review [2026]
Critical review noting that while 1.5x everywhere earning is modest, the card excels for those seeking Flying Blue elite status.
Guide To Air France/KLM Flying Blue
Comprehensive guide to the Flying Blue program with detailed coverage of the co-branded credit card benefits.
Air France-KLM Flying Blue Credit Card Changes Make Status Easier
News coverage of the card's conversion from Mastercard to Visa Signature with enhanced XP earning.
Bank of America Leaks Flying Blue Card Changes Early
Early announcement of card improvements including 3x dining bonus and enhanced XP earning for status.
Bank of America Air France/KLM FlyingBlue Credit Card 70,000 Miles Signup Bonus
Coverage of elevated welcome bonus offer and card transition from Mastercard to Visa Signature.
Air France KLM Visa: What to Know About the Card's Revamp
Analysis of the card's network switch from Mastercard to Visa and the new perks added.
Air France KLM credit card converts to Visa Signature, adds 3x dining
Detailed breakdown of the March 2026 card conversion and expanded XP earning opportunities.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Terms | Issuer Terms: Multiple card facts | |
| Skyteam Member Directory | Skyteam Member Directory: Earn rates | |
| RewardsCC API | — | RewardsCC API |
| Bank of America | — | Bank of America |
| The Points Guy | — | The Points Guy |
| One Mile at a Time | — | One Mile at a Time |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Apr | |
| Bank of America | Bank of America |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
