Miles · Visa · $89 annual fee
Last verified 2026-09-09. Review issuer source
Bank of America Air France KLM Visa Signature is a $89-a-year miles card from Bank of America. Its best everyday rates are 3x on dining; everything else earns 1.5x. There is also 3x on Air France, a single-merchant rate. Rewards are Air France/KLM Flying Blue miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $141, which clears the $89 fee with $52 to spare before any credits or perks. The welcome bonus, 50,000 miles after $2,000 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Air France/KLM Flying Blue often enough to use the perks. A general travel card earns points that go more places.
Earn 3 Miles for every $1 spent on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases.
Earn 3 Miles for every $1 spent on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases.
Earn 3 Miles for every $1 spent on eligible dining purchases.
Earn 3 Miles for every $1 spent on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases.
50,000 Bonus Miles + 100 (XP) after you make $2,000 or more in purchases within the first 90 days of your account opening
Earn an additional 80 XP (totaling 100 XP) on the account anniversary after you spend at least $15,000 or more on purchases within the anniversary year.
These come from Visa, not from Bank of America. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Air France KLM Visa Signature®This card · 3x on dining | $89 | $141 | +$52 | 1034th of 1,291 |
| Bank of America® Unlimited Cash RewardsBank of America's most-held other card · 1.5% on everything | None | $369 | +$369 | 477th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
