Bank of America Air France/KLM Mastercard: 70K Flying Blue miles (+$100 credit via dummy booking)


Bank of America is back with a best-ever welcome offer on the Air France/KLM World Elite Mastercard of 70,000 Flying Blue miles and 100 XP after spending $2,000 in the first 90 days of card membership. In terms of Flying Blue miles, this matches the largest welcome offer we’ve ever seen on the card.

XP stands for “Experience Points,” which are Flying Blue’s tier-qualifying points. 100XP is enough to get Flying Blue Silver status, which has a couple of lightly-useful perks.

There’s a better offer available if you go through the steps for a dummy booking at Many folks see an offer that includes a $100 statement credit on top of the 70K miles and 100 XP shown below. Note that we do not have a direct link to this offer — you need to begin the booking process for a flight at Air France and you may see it before entering payment information (you might need to be logged in to your Flying Blue account). If you’re going to see it, you should see it before you need to enter payment info.

a credit card with a large tower in the background





The Offer & Key Card Details

Card Offer and Details
70K miles + 100XP ⓘ Non-Affiliate
70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval
$89 Annual Fee
Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that also includes a $100 statement credit.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 70K miles + 100XP points [Expired 9/23]
FM Mini Review: Valuable primarily only for the welcome offer, then it should go off to the sock drawer unless you're interested in Flying Blue elite status. Click here for our complete card review
Earning rate: 3X on Air France, KLM, and SkyTeam purchases ✦ 1.5X everywhere else
Base: 1.5X (1.95%)
Brand: 3X (3.9%)
Card Info: Mastercard World Elite issued by BOA. This card has no foreign currency conversion fees.
Big spend bonus: 5K after anniversary when you spend $50 or more the previous year ✦ 40XP points towards status after anniversary when you spend $15K or more the previous year
Noteworthy perks: 20 Experience Points every year; Miles don't expire as long as you make a purchase once every 2 years.

Bank of America Application Tips

  • 3/12 or 7/12 Rule: You won’t be approved if you have opened 3 or more accounts, with any bank, in the past 12 months. For those with Bank of America deposit accounts, the rule changes to 7+ accounts.
  • 2/3/4 Rule: Max 2 consumer cards per rolling 2 months, 3 per rolling 12 months, and 4 per rolling 24 months.
  • 5 card limit: You will not get approved for a new consumer card if you already have 5 consumer BOA cards open
  • Get Same Card Again: With some BOA cards, must wait 24 months after either opening or cancelling, depending upon the card.
  • Hard inquiries are usually combined into 1 when initiated within 30 days but there have been reports of TransUnion not combining.

Quick Thoughts

First off, I don’t think that this card is worth a 5/24 slot. Flying Blue is one of the most “promiscuous” programs out there and bigger bonuses of transferable currencies could be had with a variety of cards in the Chase ecosystem that transfer 1-1 to Flying Blue (Ie, Chase Sapphire Preferred, Chase Ink Cash, Chase Ink Business Unlimited).

That said, there are quite a few folks out there who have quite a few cards and a bonus of this size is when the the Air France/KLM card become interesting for them. In fact, this is the first time that it’s cracked the top-15 for personal credit offers on the best offers page. Nick recently wrote about finding a useful and affordable sweet spot on Flying Blue using Air Europa to add to the full, updated list that he posted last week.

The 100 XP gets you to FB Silver status which has the following bennies:

  • Earn 6 Miles for each Euro spent
  • Priority access at check-in, baggage drop-off and boarding
  • Get 25% off of Seat Options
  • Choose your standard seat free of charge
  • Bring an additional baggage item on all SkyTeam flights

It’s pretty unremarkable, except for the ability to get an extra checked bag on any SkyTeam partner, which could be useful both domestically and internationally if you don’t have Delta or some other Sky Team elite status.

That said, I think this offer is only worth considering for those who are over 5/24 and are now plumbing the depths of the beyond for new welcome offers (or for folks who need the miles for a specific Flying Blue redemption). And even then, it should be off to the sock drawer after getting the SUB.

Best uses for Flying Blue Miles
  • Air France Flying Blue Promo Rewards.  Each month, Air France offers discounted award rates for a number of routes.  Sometimes we see economy flights from the US to Europe available for less than 11,000 miles one-way.
  • Fly to Israel for the same award price as to Europe.  For example, you may see business class flights from the U.S. to Tel Aviv for as low as 55,000 miles one-way.
  • Delta economy flights between the US and Hawaii for 17,500 miles one-way.  Air France also has great award prices for Delta first class to Hawaii, but Delta rarely releases first class award space on its Hawaii routes.
Things to know
  • Air France awards usually incur taxes and fees.
  • Award availability may be hard to find.  Acquire Flying Blue miles only if you know that the awards you want are available.
  • Flying Blue miles expire 2 years after they are earned. Keeping miles alive beyond two years is… weird:
    • As long as you don’t credit any flying activity to your account, you can renew your miles by acquiring more miles through non-flight activity. For example, transferring miles from a transferable points program will renew these miles.
    • If you earn miles by crediting flight activity to your account, then all of your miles become flight activity miles and can only be extended by taking an eligible flight (and crediting it to Flying Blue), or by being an elite member, or making a purchase with your Air France / KLM Flying Blue credit card.
    • For more details, see: Air France’s Flying Blue miles are easier to extend than I thought


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[…] Flying Blue miles per dollar otherwise with the Air France-KLM World Elite Mastercard®. This card currently offers a welcome bonus of 70,000 miles after spending $2,000 on the card in the first three months of […]


what is the phone number to call regarding undelivered credit card?


I have had this card since September 2022 and have not been able to accrue miles!! Or if I am I have no idea where it’s going. I have no clue to what account my card is linked. It is definitely not linked to my existing FB account. I have tried talking with Bank of America and Flying Blue and they both are useless.


I have this card, and am considering applying for P2, and we share a family account with our kids. My card is a keeper, but if I cancel my wife’s after a year, will that keep all of the pooled miles alive, or just the portion tied to my account only? I’m in the unique situation where I’m the only one with miles, as my family hasn’t flown Air France/KLM yet, otherwise it would be obvious. If so, then this is a no-brainer offer.


What is the churning rule for this card?
I closed mine in Jan’22, can I open it again and get the sign up bonus?


I spent 15K points on flights from Boston to Athens for 3 people this summer- The same flight is going for over $1000 – This will put me at 5/24 but I just got 2 Ink Subs for 90K. I think this great.. Low spend, and no fee (with the $100 back)



“…it should be off to the sock drawer”


If you do that without spending $50 annually, then you won’t get the 5,000 mi annual bonus.


Dummy booking only shows 50,000 miles + $100 now 🙁


the dummy booking doesn’t bring up the extra $100 for me


I thought I read somewhere that this card comes with one free extra luggage on all skyteam flights. But I couldn’t find it anymore.

Jim Lovejoy

It’s Flying Blue Silver that’s supposed to come with one free bag.


Reading the part on keeping miles alive raises a question…

If you have miles in Flying Blue from transferring via Amex, and then you get this card, do all the miles suddenly become harder to keep active? It seems like they lump miles earned with this card in the same category as miles earned from flying. And we know if you transfer Amex MR over, then credit a flight, you cannot keep them alive simply by transferring in more MR. You either have to credit more flights or put spend on this card. If true, that could be a drawback for some.

Just curious if we have any datapoints on this. I made the mistake of crediting an Air Europa flight to Flying Blue, so ended up getting this card last year.


Is there any DPs on the 2/3/4 Rule for anyone if one wanted 3 personal Bank of America cards within 60 days?


This can be a keeper card:
1) 1.5 miles per dollar with no foreign transaction fee is arguably among the best cards to use abroad on everyday purchases
2) 5,000 mile bonus when spending $50 in cardmember year offsets annual fee
3) Any credit card spend keeps all miles alive
4) Better earn rate on skyteam (and Delta) than any Delta credit card, including SkyMiles Reserve Amex with $550 AF, since 3x AF points > 3x SkyPesos
5) Price protection on purchases still exists on this (see FM article with my scanned benefits statement)
6) Not an Amex, so easier for overseas spend


1) & 6) are not that compelling. Capital One Venture X is a Visa and earns 2 points per dollar on non-bonus spend with no foreign transaction fee.


I think Greg might agree, relying on a Capital One card as a primary could prove troublesome. If you’re approved in the first place, which I’m likely never going to be because I churn too much.
But really, you don’t think it matters if it’s an Amex for foreign purchases? They’re 4th in acceptance out of 4.
Thanks for your input, I’d love to have a Venture X if you work in Cap 1 approvals!


I just got 2.1 cents per mile on a late summer 2023 LAX to FCO Premium Economy (KLM there, AF back, with ~2-hour intermediary stops each way); it was 106,000 miles RT; taxes and fees (excluded from cpm calculation) were $340. This is my first award ticket with Flying Blue; hope I can get similar or better value in the future.By the way, I hope the 70,000-mile offer comes back around. If it does, I’ll apply. Maybe for the current 50,000-mile offer, even. (Not for regular spending, just to keep miles alive.)

Last edited 1 year ago by anonymous