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If your family dreams of Paris, Amsterdam, or anywhere else Air France, KLM, or other SkyTeam partners fly, the Air France KLM Visa Signature® credit card is worth a look. It has a modest annual fee, no foreign transaction fees, and a path to Flying Blue elite status just from your everyday spending.

Here’s everything you need to know.

Air France KLM Visa Signature® Card Details

Welcome offer: Limited-Time Online Offer! Earn 70,000 Bonus Miles + 100 Experience Points (XP) after you make $3,000 or more in purchases within the first 90 days of your account opening.

Annual fee: $89

Related: All About Flying Blue

Card Benefits

The Air France KLM card earns:

• 3x miles on eligible Air France, KLM Royal Dutch Airlines, and SkyTeam member airline purchases
• 3x miles on eligible dining purchases
• 3x miles on rent payments through Bilt, on up to $50,000 annually, then 1.5x
• 1.5x miles on everything else

Perks included with the Air France KLM card:

• 5,000 anniversary miles every year after you spend at least $50 on the card in your anniversary year
• 20 XP automatically every account anniversary, plus the ability to earn more (see below)
• No foreign transaction fees
• Miles redeemable through Flying Blue, with the ability to fly with Air France, KLM, and other SkyTeam member airlines to over 1,000 destinations worldwide

How XP and Elite Status Actually Work

This is one of the more underrated perks of this card, so it’s worth breaking down. XP (Experience Points) is the currency Flying Blue uses for elite status, separate from the miles you spend on flights.

Just for having the card, you get a head start:

• The welcome offer gives you 100 XP after you meet the qualifying spend requirements, which is enough for automatic Silver status.
• Every account anniversary, you get 20 XP just for holding the card.
• If you spend $15,000 or more on the card in the anniversary year, you’ll earn an additional 80 XP on your account anniversary (so 100 XP total when you add this to the 20 XP for holding the card).
• Spend $25,000 in the anniversary year or more to get an additional 60 XP (160 XP total), which is just 20 XP shy of Gold.

Silver status gets you perks like priority check-in, early boarding (group 3), extra baggage allowance, bonus miles on Air France and KLM cash flights, and seat selection. Seat selection matters because of the recent changes Flying Blue made to its award pricing. The lowest tier, called “Light”, does not come with seat selection. However, as a cardholder, you can still book the cheapest award flight and choose your seat when you book. I was a little bummed about the recent changes, but this card could make up the difference!

SkyTeam elite status

The card also gives you SkyTeam Elite status, which can be accessed if you link your Flying Blue member number to your SkyTeam flight. When flying on SkyTeam member airlines, perks include:

• Priority check-in
• Extra baggage allowance
• Priority seating
• Priority boarding
• Waitlist priority

Bilt Partnership

Air France KLM cardholders can also boost their miles earnings by using their card to pay rent through Bilt. Add your card to your Bilt Wallet to earn 3x Flying Blue miles on up to $50,000 in rent payments per year, dropping to 1.5x after that.

The catch is that Bilt charges a 3% fee for paying rent with a third-party card, so this makes the most sense if you’re chasing a specific redemption and need more miles, or you’re trying to spend toward the $15,000 or $25,000 XP thresholds. It’s not something that everyone should do automatically. Do the math to decide what works best for you.

Using Your Miles

Air France KLM card miles land straight in your Flying Blue account, the shared loyalty program for Air France and KLM. There’s no transferring needed. You earn points directly into the same account you’d use if you transferred points from Chase, American Express, Capital One, or Citi.

How to book award flights on Air France or KLM

Head to the Air France or KLM website, click “Book with Miles,” and log in to your Flying Blue account. Enter your route, but leave the date blank first so you can see the full award calendar and find the cheapest days to fly.

A few tips that can make a big difference in finding the best flight options:

• Search one way at a time. You’ll see more options.
• Major U.S. airports have far more award availability than smaller ones.
• Kids ages 2 to 11 get an automatic 25% discount on award tickets when flying with an adult.

Know your fare tier

As I mentioned, Flying Blue recently reworked its award pricing into three tiers: Light, Standard, and Flex. Light is the cheapest but strips out seat selection, checked bags, and the ability to change or cancel. Standard adds those back in for a bit more, and Flex gives you full flexibility for the most miles. I broke it all down in Flying Blue Devaluation 2026: What Changed & What to Do if you want the full picture before you book. Being an Air France KLM Visa cardholder brings back some of the perks that used to be standard, so that’s nice.

Related: How to Book Award Flights

Use your SkyTeam partners

Air France and KLM are part of the SkyTeam alliance, so your Flying Blue miles can also book flights on partners like Delta, Virgin Atlantic, Korean Air, and more, opening up over 1,000 destinations beyond what Air France and KLM fly directly. Search your route the same way and eligible partner flights will show up alongside Air France and KLM’s own options.

Watch for monthly Promo Rewards

Flying Blue runs discounted award fares on select routes every month, good for travel up to five months out. It’s worth checking this month’s routes before you book at standard pricing.

Who This Card Is Best For

Consider the Air France KLM card if some or all of these describe you:

• Want a low-fee way to start building a Flying Blue balance
• Are looking to diversify your points and cards
• Are tapped out on major bank flexible points cards
• Want a welcome offer that’ll get you 3 one-way tickets to popular European destinations
• Eat out enough that 3x on dining will help you earn miles quickly
• Fly Air France, KLM, or SkyTeam partners often enough to make the 3x spending category count
• Could realistically hit $15,000 or $25,000 in annual anniversary spend and want the XP boost toward Flying Blue status

Card Recap: Frequently Asked Questions

What is the annual fee on the Air France KLM card? $89, with no foreign transaction fees.

What is the current welcome offer? 70,000 Bonus Miles plus 100 XP after $3,000 in purchases within the first 90 days. This is a limited-time online offer, so terms and availability can change.

Does the welcome offer give me elite status? Yes. You can earn 100 XP after meeting the spend requirement for the bonus. That is enough for Silver status in Flying Blue, which comes with useful benefits like seat selection.

How much do I need to spend to reach Gold status? If you don’t have Flying Blue status yet, you’d need 280 XP total. Between your first year welcome bonus, anniversary XP, and hitting the $25,000 spend threshold every anniversary year, you can get close without needing a second card.

Do Flying Blue miles expire? As long as your account stays active, no.

Can I use my miles on Delta or other partner airlines? You cannot transfer miles to Delta or other SkyTeam partners, but you may be able to book SkyTeam flights through Flying Blue. Check out my dedicated Flying Blue article to learn more.

Wrapping It Up

The Air France KLM Visa Signature® credit card is a solid low-fee option if your family is working toward a European vacation — or anywhere else SkyTeam flies! The 3x categories are generous for an airline card at this price, and the XP bonus is valuable since Flying Blue recently changed its award pricing. If you’re looking to diversify your cards and points, this card is worth a look.