JAL USA Mastercard®
5,000 JMB Airmiles welcome bonus. $35 a year.
- Welcome offer
- Issuer's pagejalusacard.com
“5,000 Bonus Miles on Your First JAL International Flight *1”
- 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 | $15 | −$35 |
| Typical spender | $15 | −$35 |
| Heavy spender | $15 | −$35 |
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
- Lower top APR than about 80% of the 128 cards on our Sign-up bonuses list (see the list).
- Lower annual fee than about 35% of the 131 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
5,000 Airmiles
Complete the cardholder's first eligible JAL international flight.
Limited to once per member. Eligible flights must have fares eligible for JMB mileage accumulation. For cards issued on or before October 1, 2026, flights completed by September 30, 2027 are eligible; for cards issued on or after October 2, 2026, flights completed within one year of the issue date are eligible.
How you earn · JAL USA CARD Rewards Programs: Premium Rewards and Basic Rewards
- 2× pointsPremium Rewards: eligible JAL Purchases, defined as Net Purchases of JAL flight tickets made directly from JAL
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
- 10% sector bonus miles on every eligible JAL Group flight.
- 10% discount on JAL Group in-flight shopping on JAL and JAL Group international and domestic flights when paying with the card, for maximum purchases of JPY 100,000 per flight; exclusions apply.
- 5% savings on duty-free shopping at specified participating stores at Haneda and Narita airports; exclusions apply.
- 10% savings on JAL international in-flight Wi-Fi service on certain JAL international flights when paying with the card.
- No foreign transaction fee on purchases in currencies other than USD.
- Earn 5 JAL Life Status points for every 1,500 shopping miles earned from JAL USA CARD purchases.
- Premium Rewards has a $50 annual rewards-program fee and a $35 annual card fee. Basic Rewards has no annual rewards-program fee and a $35 annual card fee.
- Cardholders may change between Premium Rewards and Basic Rewards without reissuing the credit card; Premium-to-Basic changes do not reimburse the $50 upgrade fee.
Questions
- What is the annual fee?
- $35 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?
- 23.74–24.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 5,000 JMB Airmiles. jalusacard.com, since Oct 2, 2026
Other miles cards with fees up to $100
- Venture RewardsCapital One · $95 a year+$540 a year
- Air France KLMBank of America · $89 a year+$450 a year
- Cathay PacificSynchrony · $99 a year+$270 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).