RateHerald

Our illustration, not the card’s design

Bank of America credit card

Air France KLM Visa® Credit Card From Bank of America

$89 a year. 50,000 Miles after you spend $2,000 in 3 months. Purchase APR 19.74–27.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Bank of America’s terms

Welcome offer

50,000 Miles

After you spend $2,000 on purchases in your first 3 months.

Spending it takes
$667 a month
for 3 months
Tracking since
Oct 4, 2026
history will chart every change

Earn 100 Experience Points (XP) after making $2,000 or more in purchases within the first 90 days of account opening.

  • Smaller than about 100% of the 4 other Miles bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$610$110
Typical spender$915$415
Heavy spender$1,565$1,065
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$110a year

$610 the first year, with the welcome bonus.

Rewards and credits$200

You keep $110−$90 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$415a year

$915 the first year, with the welcome bonus.

Rewards and credits$505

You keep $415−$90 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$1,065a year

$1,565 the first year, with the welcome bonus.

Rewards and credits$1,150

You keep $1,065−$90 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • Lower top APR than about 55% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 35% of the 171 cards on our Sign-up bonuses list (see the list).

Other miles cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Rewards

How you earn

3×
eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchaseseligible dining purchases
1.5×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Redeem Miles toward flights with Air France, KLM Royal Dutch Airlines or any SkyTeam member airline to over 1,000 destinations worldwide.
  • 5,000 Miles every year on the account anniversary after spending $50 or more on purchases within the anniversary year.
  • Receive 20 XP every year on the account anniversary.
  • Earn an additional 80 XP, totaling 100 XP, on the account anniversary after spending at least $15,000 on purchases within the anniversary year.
  • Earn an additional 60 XP, totaling 160 XP, on the account anniversary after spending $25,000 on purchases within the anniversary year.
All 6 benefits
  • No foreign transaction fees on purchases made outside the United States.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$89 · Reported to the CFPB, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, since Oct 4, 2026
What is the purchase APR?
19.74–27.74% APR · bankofamerica.com, since Sep 29, 2026
Is there a welcome bonus?
50,000 Miles after $2,000 in purchases in 3 months. · bankofamerica.com, since Oct 4, 2026
See it on bankofamerica.com

We don’t earn anything from this link.