Air France KLM Visa Signature
Bank of America$89 a yearVisa SignatureNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
70,000miles
after $3,000 in purchases in the first 3 months
Lower than the offer of up to 100,000 points (after $7,500 spend) we last recorded in August 2026.
2/3/4 Rule, 3/12 Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus70,000 points at 1.3¢ | $910 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$68 |
| Annual fee | −$89 |
| Meeting the $3,000 minimumearns 1.95% here vs 2% on Double Cash | −$1 |
| First year | $888 |
| Each year after | +$204 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 3.9% |
| 3X | Air France, KLM, and SkyTeam purchases | 3.9% |
| 1.5X | Everything else | 2% |
Personal card · Earns Air France KLM Flying Blue
Benefits
Elite status (3)
- Air France KLM Flying Blue: 20 XP annually on anniversary
- Air France KLM Flying Blue: Additional 80 XP (total 100 XP) after $15K-$24,999 annual spend
- Air France KLM Flying Blue: Additional 60 XP (total 160 XP) after $25K+ annual spend
Protections (9)
- Trip Cancellation/Interruption, up to $2,500, Up to $2,500 per trip for nonrefundable passenger fares
- Trip Delay, up to $500, Up to $500 for trips delayed more than 12 hours
- Baggage Delay, Up to $100 per day for up to 5 days when bags delayed 6+ hours
- Lost Luggage, Coverage for luggage and contents lost/stolen by common carrier
- Emergency Evacuation, up to $15,000, Coverage for emergency medical evacuation costs up to $15,000. Repatriation of remains coverage up to $1,000.
- Purchase Protection, 90 days coverage for stolen or damaged eligible items
- Extended Warranty, Extends manufacturer's warranty up to 1 additional year
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft
- Cell Phone Protection, up to $800, Up to $800 per claim for damaged or stolen cell phones when you pay your monthly bill with this card; $50 deductible per claim
Other Perks
- 5K miles each anniversary after spending $50+ in the anniversary year
- Miles don't expire if you make a purchase once every 2 years
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Air France KLMOct 8, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 70K bonus miles + 100 Experience Points (XP) after $3K spend in the first 90 days + 30K bonus miles after spending $7.5K in the first 180 days to 70K bonus miles + 100 Experience Points (XP) after $3K spend in the first 90 daysAug 10, 2026