MastercardJAL USA Card
A direct line to JAL Mileage Bank for a $35 fee.
Welcome Bonus
10,000
≈$130 value
Spend Requirement
$7,000
in 3 months
Annual Fee
$35
No FTF
Credit Score
670+
(Good)
Current offer note: Campaign for applications April 23 through September 30, 2026; plus 5,000 miles on your first JAL international flight
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xEligible JAL purchases
- 1xEverything else
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, 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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