Bank of America
Air France KLM
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Card review
Air France KLM
Bank of America
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$89
Welcome bonus
See issuer
Est. net value
$409/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Air France KLM from Bank of America carries a $89 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $498.42 in rewards plus $0.00 in credits and perks — $409.42 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAir France/KLM | 3× |
| Everything elseAll Purchases | 1.5× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Anniversary Points (earned)
Earned 5,000 anniversary miles after spending at least $50.
- Anniversary XP
Receive 20 XP every year on your account anniversary.
- Earn 40 XP
Earn 40 XP on the account anniversary when you have a total spend of at least $15,000 in purchases within the anniversary year.
- 40 XP
Earned 40 XP after spending $15,000 within an account anniversary year.
Included, not priced
- Anniversary Points
Earn 5,000 anniversary miles when you have a total spend of at least $50 in purchases.
Insurance cover and point awards. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so we leave them out of the totals above.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$89
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$89
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $89 per year.