ANA CARD U.S.A. Plus
Earn 2X ANA Miles on Every Flight — $85/Year
The ANA Card USA Plus earns 2X miles on eligible ANA flight purchases and 1 mile per $1 on everything else, with a 25% flight bonus miles multiplier and a shortcut to ANA Bronze status. At $85/year with no foreign transaction fees, it's built for U.S.-based ANA Mileage Club members who fly ANA regularly.
- Annual Fee
- $85
- miles · Welcome Bonus
- 5,000
- Highest rate (conditional)
- Up to 2X (Ana)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $85
- Foreign Transaction Fee
- $0
- Network
- Visa Traditional
- Rewards Currency
- ANA Mileage Club
- Point Valuation
- 1.3–1.5 cpp (mid: 1.5)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: 5,000 miles
Earning Rates
- 2X
Ana
2X miles per $1 on eligible ANA purchases, such as booking ANA flights
- 1X
All Other
Earning Scenarios
2X Miles on ANA Flights — Your Most Valuable Category
Every dollar spent on eligible ANA flight tickets earns 2 ANA Mileage Club miles. Only direct ANA purchases qualify — third-party bookings earn the standard 1X rate.
Spend $3,000/year on ANA flights = 6,000 miles ($84 value at 1.4 cpp)
1X Mile on All Other Purchases
Every other purchase earns 1 ANA mile per dollar with no category restrictions and no earning cap.
Spend $20,000/year on everyday purchases = 20,000 miles ($280 value at 1.4 cpp)
Benefits & Perks
Travel Benefits
4 perksFee Waiver
Elite Status
General Travel
Elite Status & Memberships
Fast track to top-tier perks
Less Requirements toward ANA Bronze member status
Primary cardholders of this card who earn 30,000 premium points or more within one year will be qualified for ANA Bronze Service membership status ...
10% off on ANA in-flight purchases
Receive a 10% discount on all ANA in-flight purchases for international and domestic flights when using this card.
Priority Check-In
Enjoy Priority Check-In on ANA-operated International Flights! To receive this benefit, present this card at the Business Class check-in counter.
Receive 10% off at duty free shops at the airport
Present your card at ANA group duty free stores at Narita, Haneda, or Kansai airports, and receive a 10% discount on selected items.
Receive 5% off while shopping at ANA Group airport shops
Present this credit card and you will receive a 5% discount on selected items at “ANA FESTA” gift shops operated by ANA Trading Co. at airports in ...
Receive discounts at ANA Hotels and ANA – IHG co-branded ...
When booking your stay, mention you are a primary cardholder of this card and enjoy 5% off the Best Flexible Rates at IHG ANA Hotels Group Japan. P...
Insurance & Protections
2 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Program & Transfers
ANA Mileage Club
Inspiration of Japan
ANA Mileage Club is the loyalty program of All Nippon Airways, Japan's largest airline. ANA is a Star Alliance member with an excellent reputation for service quality and premium cabin products. The program is highly regarded among points enthusiasts for its generous award charts and excellent partner award availability. ANA miles are particularly valuable for booking first class awards on ANA's flagship route from the US to Japan, featuring "The Suite" first class product. The program also offers excellent value for Star Alliance partner redemptions, including United domestic flights and Lufthansa transatlantic business class. ANA Mileage Club is a transfer partner of American Express Membership Rewards with 1:1 instant transfers (typically 1-2 days).
Program Ratings
Recent Changes & News
ANA introduced one-way awards priced at 50% of equivalent round-trip awards, providing greater flexibility for award booking and routing.
Significant increases to first class (up to 300k from 200k) and business class (up to 165k from 110k) awards on peak routes during high season. Regular and low season pricing remains stable.
ANA discontinued Round the World award bookings. Travelers can still achieve multi-continent routing using individual bookings with stopovers and open jaws.
ANA's first major devaluation in over a decade, increasing miles required for most premium cabin awards.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Japan Domestic One-Way Economy | 6,000 | economy | Asia |
| US to Asia One-Way Economy | 10,000 | economy | Asia |
| US to Asia Round-Trip Economy | 20,000 | economy | Asia |
| US to Europe One-Way Economy | 13,750 | economy | Europe |
| US to Europe Round-Trip Economy | 27,500 | economy | Europe |
| Australia/New Zealand Round-Trip Economy | 30,000 | economy | Australia Nz |
| US to Japan One-Way Business | 50,000 | business | Asia |
| US to Japan Round-Trip Business (Low Season) | 100,000 | business | Asia |
| US to Japan Round-Trip Business (Regular Season) | 105,000 | business | Asia |
| US to Japan Round-Trip Business (High Season) | 165,000 | business | Asia |
| US to Asia (SE Asia/India) Round-Trip Business | 137,000 | business | Asia |
| US to Oceania Round-Trip Business (Low Season) | 137,000 | business | Australia Nz |
| US to Europe Round-Trip Business (Partner Awards) | 100,000 | business | Europe |
| US to Japan Round-Trip Business (Partner Awards) | 110,000 | business | Asia |
| US to South/Central America Round-Trip Business | 96,000 | business | South America |
| US to Africa Round-Trip Business | 130,000 | business | Africa |
| Hawaii to Oceania Round-Trip Business (Low Season) | 110,000 | business | Australia Nz |
| US to Japan One-Way First Class | 75,000 | first | Asia |
| US to Japan Round-Trip First Class (Low Season) | 150,000 | first | Asia |
| US to Japan Round-Trip First Class (Regular Season) | 170,000 | first | Asia |
Showing top 20 of 24 sweet spots
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Upgraded Points | 2/5 |
How It Compares
Niche airline co-brand for frequent ANA flyers based in the U.S. Earns 2X on ANA and 1X everywhere else with 25% flight bonus miles. Best for travelers who fly ANA metal regularly and want an easier path to Bronze status. Most U.S. travelers get better value from Amex MR cards that transfer 1:1 to ANA.
The Math: Is $85 Worth It?
First-year value includes $75 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$85
Net Annual Value
-$85
Details & Terms
Payment Terms
| Purchase APR | 23.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
FAQs
How do I earn ANA miles?
You can earn ANA miles by flying on ANA or Star Alliance partner airlines. You earn base miles equal to the distance of your flight multiplied by your booking class. Premium cabin passengers (business and first class) earn 1.5x to 2x base miles. You can also transfer miles from American Express Membership Rewards at a 1:1 ratio or from Marriott Bonvoy at a 3:1 ratio (with a 5,000-mile bonus per 60,000 miles transferred).
Do ANA miles expire?
Yes, ANA miles expire 36 months after earning them. However, if you hold Diamond elite status or Million Miler status with ANA, your miles never expire. You can also extend your miles expiration by flying even 1 mile on an ANA or Star Alliance airline.
Can I book one-way awards with ANA miles?
Yes, as of June 24, 2025, ANA offers one-way awards at 50% of the round-trip pricing. This provides more flexibility for routing and allows you to structure multi-leg trips more efficiently.
What are the fuel surcharge rules for ANA partner awards?
Fuel surcharges vary significantly by partner. Some partners like Lufthansa and SWISS impose high fuel surcharges on premium cabin awards, while others like United and Ethiopian Airways have lower or minimal surcharges. Always check the total cost including surcharges when booking partner awards.
Can I add stopovers and open jaws to my awards?
Yes, you can add up to 1 stopover and 2 open jaws on round-trip awards. This is an excellent way to maximize the value of your miles by visiting multiple cities on a single award booking.
What credit cards transfer to ANA Mileage Club?
Only two major programs transfer to ANA Mileage Club in the US: American Express Membership Rewards (1:1 ratio) and Marriott Bonvoy (3:1 ratio with transfer bonuses). There is no ANA-branded credit card recommended for earning bonus points.
What happened to Round the World awards?
Round the World awards were eliminated as of June 24, 2025. This was a significant devaluation for travelers seeking to book multi-continent trips. However, you can still achieve similar routing using individual bookings with stopovers and open jaws.
Media & Resources
Video Reviews
8 videosBest Ways to Book ANA Business Class with Points (Step by Step Guide)
Why No One Talks About This Amex Transfer Partner (ANA)
Which is the best Amex transfer partner - Air Canada or ANA?
How To Book ANA First-Class Using Credit Card Points
NEW ANA credit card announced in 2025! Is it worth it? Card review and earning ANA points for Japan!
ANA Mileage Club Explained: TPG Lemonade Sessions Ep02
The TRUTH About Booking ANA 'The Room' With Credit Card Points
Third-Party Articles & Reviews
The Complete Guide to ANA Mileage Club
Prince of Travel's in-depth guide to the ANA Mileage Club program, covering transfer partners, sweet spots, elite status, and the ANA Card USA.
ANA Mileage Club: The Ultimate Guide
Forbes Advisor comprehensive guide to ANA Mileage Club covering earning, redeeming, and the ANA Card USA. Mentions the card but notes it is not particularly competitive.
ANA CARD U.S.A. Plus: Full Review [2026]
Comprehensive review covering all benefits, pros/cons, and alternative card recommendations. Rates the card 2/5 stars and recommends transferable rewards cards like Amex Green or Capital One Venture instead.
ANA Launches New ANA CARD U.S.A. Plus (10,000 Point Bonus)
Doctor of Credit launch announcement with benefit summary and community discussion. Notes the 10,000 mile bonus after $3,000 spend (launch offer) and compares to the JAL U.S. card launch.
ANA Card Lineup — ANA Mileage Club
Official ANA Card lineup page showing the ANA Card USA Plus alongside Japan-issued ANA cards. Provides comparison of boarding bonus miles and features across all ANA card products.
ANA is Launching a New Credit Card in the U.S. — Should You Get It?
News article covering the ANA Card USA Plus launch details with analysis on why most U.S. travelers would be better off with Amex Membership Rewards cards that transfer 1:1 to ANA.
5 Things to Know about the ANA Card U.S.A. Plus
NerdWallet overview covering the card's niche value for travel to Japan and establishing U.S. credit as an expatriate.
ANA USA card now offering increased welcome offer for a limited time
MSN/Upgraded Points article covering the limited-time increased welcome offer for the ANA Card USA Plus.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Official | — | Issuer Official |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
