JAL USA Card
By Alex Compton · Last verified
A direct line to JAL Mileage Bank for a $35 fee.
Welcome Bonus
None
No spending welcome bonus; the April 23 to September 30, 2026 campaign has ended. New cardholders still get 5,000 bonus miles on their first JAL international flight
Spend Requirement
None
Annual Fee
$35
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Offer ended: 10,000 → 0 · Spend: $7,000 → $0 · Window: 3 months → 0 monthsNo spending welcome bonus; the April 23 to September 30, 2026 campaign has ended. New cardholders still get 5,000 bonus miles on their first JAL international flight | JAL USA CARD product page → |
| 2026-06 | 10,000 | $7,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-10 | 10,000 | $7,000 in 3 mo | Earliest recordRecurring campaign offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
The 10,000-mile campaign ended 9/30/2026 and no spending bonus is advertised; $35 fee, $50 Premium Rewards upgrade, no foreign fee and 5,000-mile first-flight bonus confirmed.
Fields: bonus, spend, benefits
JAL USA CARD product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xEligible JAL purchasesPremium Rewards tier; Basic tier earns 1 mile per $2 everywhere
- 1xEverything elsePremium Rewards tier
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Premium Rewards upgrade is $50 per year on top of the $35 base fee
- ✦One-time 5,000-mile bonus on your first JAL international flight paid with the card
- ✦10% sector bonus miles on JAL group flights
- ✦Discounts on JAL inflight shopping and Japan duty-free
Why it earns its spot
- +Cheapest US entry point to JAL Mileage Bank, a stellar oneworld currency
- +No foreign transaction fees
Where it costs you
- −Basic tier's 1 mile per $2 is among the worst earn rates in the industry
- −No spending welcome bonus right now, only the 5,000-mile first-flight bonus
The Compound Verdict
Like its ANA sibling, this FNBO card exists to keep JAL Mileage Bank accounts alive and collect Japan-travel perks, not to win spreadsheets. Pay the $50 Premium Rewards upgrade or do not bother at all, because the half-mile base tier is indefensible. JAL miles spend beautifully, so a low-cost direct feed has real niche value.
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