JAL USA Card
By Alex Compton · Last verified
A direct line to JAL Mileage Bank for a $35 fee.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xEligible JAL purchasesPremium Rewards tier; Basic tier earns 1 mile per $2 everywhere
- 1xEverything elsePremium Rewards tier
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Premium Rewards upgrade is $50 per year on top of the $35 base fee, waived the first year
- ✦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
- −Small bonus gated behind $7,000 of spend
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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