Cathay Pacific Visa Card
38,000 Asia Miles after you spend $3,000 in 3 months. $99 a year.
- Welcome offer
- Issuer's pagepay.cathaypacific.com
“You can earn 38,000 bonus Asia Miles when you open an account and spend USD 3,000 in the first 90 days of account opening¹.”
- Annual fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $415 | $35 |
| Typical spender | $615 | $235 |
| Heavy spender | $1,015 | $635 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
38,000 Miles
After you spend $3,000 on purchases in your first 3 months.
Limit one offer per accountholder. To receive points, the card must be successfully linked to the Rewards Program membership account and the credit card account must be open, in good standing and not delinquent. If earned, points will post within 1–2 billing cycles.
How you earn · Cathay Rewards Program
- 3× milesall eligible Cathay Pacific and HK Express travel and in-flight purchases
- 2× milesdining and eligible dining delivery services
- 1× milesEverything else
Rates and fees
| Annual fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Primary cardholders may use their Asia Miles to redeem access to Cathay Pacific Business Class lounges.
- Save up to 15% on eligible flights to Hong Kong and beyond through December 31, 2026, when using promotion code CXSYF15OFF and paying with the Cathay World Elite Mastercard on eligible flights and select fare classes.
- Earn 10 Status Points for every $5,000 in eligible purchases made each month, up to a maximum of 100 Status Points per calendar year.
- 10% redemption discount on hotel and experiences awards with Asia Miles.
- Primary cardholders may check in at Cathay Pacific Premium Economy class airport check-in counters; traveling companions may also receive this benefit when traveling with the primary cardholder.
- Primary cardholders can use the same boarding line as Premium Economy class passengers on Cathay Pacific-operated flights.
- No foreign transaction fees.
- Asia Miles can be redeemed for flights with Cathay Pacific, oneworld and partner airlines; hotels; car rentals in 20 countries; and lifestyle awards including attraction tickets and gift cards.
Questions
- What is the annual fee?
- $99 Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 25.24–31.49% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 38,000 Asia Miles after $3,000 in purchases in 3 months. pay.cathaypacific.com, since Oct 2, 2026
Other miles cards with fees up to $100
- Venture RewardsCapital One · $95 a year+$270 a year
- Air France KLMBank of America · $89 a year+$180 a year
- ANA CARD USA Plus VisaFNBO · $85 a year−$5 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).