Best Credit Cards for ANA in 2026
Cards ranked by effective value per dollar spent at ANA.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at ANA, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Chase Sapphire Reserve
Chase
8x Ultimate Rewards on Flights booked through the required portal
8x × 1.8¢/pt = 14.4¢ per dollar
- +8x on Flights booked through the required portal — points worth 1.8¢ each
- +Est. $240/yr value — Annual Travel Credit
- +Air Canada Maple Leaf Lounge Access
VISACore Rate
14.4¢
per dollar on flights
$795/yr(est. $588/yr in usable credits)
Welcome: 100,000 points
Runner-Up
Chase Sapphire Preferred Card
Chase
5x Ultimate Rewards on Flights booked through the required portal
5x × 1.8¢/pt = 9.0¢ per dollar
- +5x on Flights booked through the required portal — points worth 1.8¢ each
- +Est. $50/yr value — $100 Annual Hotel Credit
- +Est. $25/yr value — Global Entry, TSA PreCheck or NEXUS Credit
VISACore Rate
9.0¢
per dollar on flights
$95/yr
Welcome: 75,000 points
Also Great
The Platinum Card from American Express
American Express
5x Membership Rewards on Flights
5x × 1.5¢/pt = 7.5¢ per dollar
- +5x on Flights — points worth 1.5¢ each
- +Est. $300/yr value — $600 Lodging Credit (FHR / Hotel Collection / Airbnb Luxe)
- +Est. $100/yr value — Airline Fee Credit
AMEXCore Rate
7.5¢
per dollar on flights
$895/yr(est. $632.50/yr in usable credits)
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Chase Sapphire ReserveChase | 8x Ultimate Rewards Flights | 14.4¢/$ | $795 | $588 | visa |
| Chase Sapphire Preferred CardChase | 5x Ultimate Rewards Flights | 9.0¢/$ | $95 | — | visa |
| The Platinum Card from American ExpressAmerican Express | 5x Membership Rewards Flights | 7.5¢/$ | $895 | $632.50 | amex |
| Capital One Venture X Rewards Credit CardCapital One | 5x Capital One Miles Flights | 6.5¢/$ | $395 | — | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 4x Wells Fargo Rewards Flights | 5.8¢/$ | $95 | — | visa |
| Citi Strata Premier CardCiti | 3x ThankYou Points Flights | 5.1¢/$ | $95 | — | mastercard |
| Chase Freedom FlexChase | 5% cash back Flights | 5.0¢/$ | $0 | $20 | mastercard |
| Chase Freedom UnlimitedChase | 5% cash back Flights | 5.0¢/$ | $0 | — | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 3x Wells Fargo Rewards Travel | 4.3¢/$ | $0 | — | visa |
| U.S. Bank Shield Visa CardU.S. Bank | 4% cash back Flights | 4.0¢/$ | $0 | $10 | visa |
More Options
#4Capital One Venture X Rewards Credit Card$395/yr
6.5¢/$
#5Wells Fargo Autograph Journey Visa Credit Card$95/yr
5.8¢/$
#6Citi Strata Premier Card$95/yr
5.1¢/$
#7Chase Freedom FlexNo fee
5.0¢/$
#8Chase Freedom UnlimitedNo fee
5.0¢/$
#9Wells Fargo Autograph Visa Credit CardNo fee
4.3¢/$
#10U.S. Bank Shield Visa CardNo fee
4.0¢/$
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Brand-specific picks
→Visit the dedicated brand pageEditorial picks, portal stacking, co-brand awarenessGuides for this category
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- Card StrategyDining card rewards: restaurants, delivery apps, and statement creditsDining rewards, merchant credits, and delivery perks follow separate rules. How to tell what a meal earns and whether a credit lowers what you spend.
- Card StrategyHow to build a two-card wallet without double-counting rewardsA second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.
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