Which has the lower annual fee, Air France KLM WE or KOHO Extra?

The KOHO Extra has a $108 annual fee, while the Air France KLM WE charges $132/year.

Which card is better for groceries, Air France KLM WE or KOHO Extra?

The Air France KLM WE earns 1.5x on groceries, while the KOHO Extra earns 0.5%. The better choice depends on your grocery spending and the specific merchants you shop at.

Air France KLM WE vs KOHO Extra — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Air France KLM WE wins by $323/yr — strongest in groceries

Air France KLM WE earns $128 more on groceries
Air France KLM WE earns $48 more on bills & utilities

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

Showing Year 1 analysis

Dollar Value

Winner

$388

/first year

0.9% effective$32/mo

vs 1% no-fee card: −$31

Annual rewards earned+$520

FX costsNo FX fee

Annual fee−$132

$65

/first year

0.2% effective$5/mo

vs 1% no-fee card: −$353

Annual rewards earned+$173

FX costsNo FX fee

Annual fee−$108

Best for your spendingAir France KLM WE—$388Year 1 value

+$323 more than KOHO Extra

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Earn Rates by Category

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Neither card currently offers a welcome bonus.

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The Bottom Line

Air France KLM WE wins by $323/yr — strongest in groceries

Air France KLM WE earns $128 more on groceries
Air France KLM WE earns $48 more on bills & utilities

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

Showing Year 1 analysis

Air France KLM WE wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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Air France KLM WE

KOHO Extra

Air France KLM WE wins by $323/yr — strongest in groceries

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

Air France KLM WE

KOHO Extra

Air France KLM WE wins by $323/yr — strongest in groceries

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources