ANA Card U.S.A. Plus
By Alex Compton · Last verified
The only US card that earns ANA miles directly.
Welcome Bonus
5,000
≈$70 value
Spend Requirement
$1
in 3 months
Annual Fee
$85
No FTF
Credit Score
670+
(Good)
Current offer note: 5,000 bonus miles after your first purchase; no larger spending campaign is currently advertised
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Consider waitingThis card has offered 15k before; the current 5k is below its typical 12,500. Elevated offers have appeared 2 times in the last two years of our data, so if you can wait, history is on your side.
Current offer
5k
All-time high
15k
Typical offer
12,500
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 5,000 | $1 in 3 mo | Bonus decreased: 15,000 → 5,000 · Spend: $7,000 → $15,000 bonus miles after your first purchase; no larger spending campaign is currently advertised | ANA CARD U.S.A. Plus product page and FNBO Summary of Credit Terms → |
| 2026-06 | 15,000 | $7,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2026-04 | 15,000 | $7,000 in 3 mo | Bonus increased: 10,000 → 15,000Enrollment campaign | Archive record · no attached snapshot |
| 2025-02 | 10,000 | $7,000 in 3 mo | Earliest recordPlus launch offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Campaign offer ended; only 5,000 miles after the first purchase now, and the Summary of Credit Terms shows an $85 annual fee with no first-year waiver.
Fields: bonus, spend, benefits
ANA CARD U.S.A. Plus product page and FNBO Summary of Credit Terms →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xEligible ANA flight purchases
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No foreign transaction fees on the Plus version
- ✦Discounts at ANA partner hotels and shops in Japan
- ✦Keeps ANA Mileage Club miles active
Why it earns its spot
- +ANA miles are one of the best premium-cabin currencies in the world
- +Only direct US earning path outside Amex transfers
Where it costs you
- −Welcome bonus is just 5,000 miles
- −1x base earning is far behind transferable-point cards
The Compound Verdict
FNBO launched the Plus in February 2025 and closed the original 2022 ANA Card U.S.A. to new applicants, finally dropping the old card's foreign transaction fee. As an earning engine it loses badly to a Membership Rewards card transferring to ANA. Its real audience is Japan-bound expats who want mileage activity, partner discounts and a Japanese-friendly card relationship.
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