BoA Air France KLM Credit Card Review (2026.1 Update: 70k Offer; Small Improvements)

2026.1 Update: The new offer is 70k. Also, there are a few improvements and changes:

• New benefit: earn 3x miles on dining.
• The earning of XP is improved: Receive 20 XP every year on your account anniversary. Earn an additional 80 XP (totaling 100 XP) when you spend at least $15,000. Plus, earn an additional 60 XP (totaling 160 XP) when you spend at least $25,000.
• Card is changed from Mastercard to Visa Signature.
• Card art is changed.

2025.3 Update: The new offer is 70k. HT: DDG. [2025.12 Update] Offer expired.

2024.9 Update: The new offer is 70k. You may see 60k+$150 offer via dummy booking. HT: FM. [2025.1 Update] Offer expired.

Application Link

Benefits

1. 70k+100XP offer: earn 70,000 FlyingBlue Miles after spending $3,000 in first 3 months. You also get 100XP which is helpful for Air France membership level. The recent best offer is 70k+$100.
2. We value FlyingBlue Miles at 1.2 cents/point (Airline Miles Value), so the 70k highest offer is worth about $840.
3. [New] Earn 3 miles per $1 spent on Air France / KLM and other SkyTeam members, 3x miles on dining, and 1.5x miles on all other purchases.
4. [New] Receive 20 XP every year on your account anniversary. Earn an additional 80 XP (totaling 100 XP) when you spend at least $15,000. Plus, earn an additional 60 XP (totaling 160 XP) when you spend at least $25,000.
5. Earn 5000 points after account anniversary if you have spent $50 during your card membership year.
6. No foreign transaction fee.

Disadvantages

1. $89 annual fee, NOT waived for the first year.

Recommended Application Time

1. We recommend you apply for this card after you have a credit history of at least one year.
2. You can have multiples of the same credit card from BoA. You must wait at least 90 days to apply for the same credit card, otherwise the application will be automatically cancelled.
3. [New] 2/3/4 Rule: BoA will only approve you for at most: 2 cards per rolling 2 months; 3 cards per rolling 12 months; and 4 cards per rolling 24 months. Because their IT system hasn’t been fully updated yet, you may not get declined because of this rule. Instead, you may get approved at first, and then the account will be closed because of “approved in error”.

Summary

The welcome offer is really nice if you can make use of the FlyingBlue miles. Note that FlyingBlue miles are transfer partners with Chase Ultimate Rewards/Amex Membership Rewards/Citi ThankYou Point/Marriott Rewards, meaning that we can always transfer points from partners if we need more FlyingBlue miles. Extra XP points might be useful if you want to achieve elite status in FlyingBlue, but in general the card is not attractive to keep.

After Applying

• Click here to check BoA application status.
• BoA reconsideration backdoor number: 800-732-9194. It seems that the number is changing. Please inform us at once if it fails. The representatives here can get in touch with decision-makers directly.

Historical Offers Chart

Application Link

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