Ultimate guide to ANA Mileage Club

Jun 15, 2020

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

ANA Mileage Club has long been one of the best ways to redeem American Express Membership Rewards points for Star Alliance flights. It offers awesome redemption rates, which are often less than half the price of other Membership Rewards partners like Avianca LifeMiles and Air Canada Aeroplan.

That said, the program flies under the radar because of its quirks and not-so-great online interface. With so many good deals to be found though, it’s worth learning. So in this article, we’ll walk you through everything you need to know about the ANA Mileage Club program, including how to earn and redeem miles as well as a quick overview of the airline’s elite status program.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter.

In This Post

Program overview

ANA is one of two major airlines in Japan. It operates an extensive flight network within Japan and to international destinations. ANA is a member of the Star Alliance, so you can use miles to book tickets on carriers like Air Canada, United and Lufthansa. Despite its clunky online interface, it’s one of the most accurate Star Alliance search tools, so you’ll rarely run into phantom award space when you’re redeeming miles for a ticket.

Better yet, ANA still publishes a standard award chart, so you always know how much you’ll pay for a ticket. That said, there are a few quirks you need to know about before you book a ticket — don’t worry, we’ll walk you through them later in the article. For now, let’s focus on how to earn ANA miles.

Related: The ultimate guide to Lufthansa First Class

How to earn ANA Mileage Club miles

There are a few different ways to earn ANA miles in the U.S., many of which don’t require getting on an airplane. Let’s take a look at some of the best options.

Earn Mileage Club miles with credit cards

The easiest way to earn ANA Mileage Club miles is by transferring points from American Express Membership Rewards. These points transfer at a 1:1 ratio and take 48 hours to post. While this is longer than other Amex transfer partners, ANA will hold award tickets for you if you call to book over the phone.

Here’s a look at some of of the best credit cards for earning Membership Rewards points, alongside their welcome bonuses and bonus earning rates:

  • The Platinum Card® from American Express: Earn 60,000 bonus points after you spend $5,000 on purchases in your first three months of card membership. Plus, the card earns 5x Membership Rewards points on airfare booked directly with the airline (starting Jan. 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year). It also includes lounge access and other benefits; ($550 annual fee; see rates and fees).
  • American Express® Gold Card: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. The card also earns 4x Membership Rewards points per dollar spent on dining worldwide and at U.S. supermarkets (up to $25,000 per year; then 1x) and 3x on airfare booked directly with the airline; ($250 annual fee; see rates and fees)
  • American Express® Green Card: Earn 30,000 bonus points after you spend $2,000 on purchases in your first three months of card membership. The card also earns 3x Membership Rewards points per dollar spent on travel and dining purchases worldwide. ($150 annual fee; see rates and fees)

The information for the Amex Green Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Do note that ANA has a cobranded credit card in the U.S., but it isn’t particularly useful. The ANA Card U.S.A. is issued by First National Bank of Omaha and earns 1 ANA Mileage Club mile per dollar spent on all purchases. Additionally, the card offers a couple of unique benefits like a 25% mileage bonus on ANA flights, lower requirement for earning low-tier Bronze elite status and priority check-in.

Unfortunately, the card has a $70 annual fee and a small welcome bonus of 5,000 miles that’s awarded after you make your first purchase. With that in mind, we don’t recommend applying for this card — you’ll get a far better return on everyday purchases with an American Express Membership Rewards-earning card.

Earn Mileage Club miles by flying with ANA

You can earn Mileage Club miles when flying on ANA and with both its Star Alliance and non-alliance partner airlines. The number of miles you’ll earn on each flight depends on how long your flight is and the fare class you’re booked in. You’ll earn the most miles on long-haul premium cabin flights.

ANA has two earning charts for its own flights: One for domestic flights and one for international flights. The domestic award chart is based on the type of fare you book; each fare type is assigned a different name that you’ll see when you book a ticket or pull up a reservation on the airline’s website.

Searching for a paid domestic ticket with ANA

For example, if you booked a Super Value ticket from Tokyo-Haneda to Osaka (ITM), you’d earn 75% miles flown while a Super Flex ticket would earn 100% miles flown.

The international earning chart is based on your fare class — each class is assigned a letter, and you can find the earning rate on ANA’s website. Do note that there are a few classes that don’t earn miles: O, I, R, X. If you’re booked in one of these classes, check with other Star Alliance carriers and see if they award miles for these booking classes.

Business class earning with ANA
(Image courtesy of ANA)

If you were flying New York-JFK to Tokyo-Haneda in D fare business class, you’d earn 8,465 Mileage Club miles on your booking since the fare class earns 125% miles flown. The math looks like this: 6,772 * 1.25 = 8,465.

Earn Mileage Club miles by with partners

Earning ANA Mileage Club miles with partners works similarly to earning with international ANA flights — you’ll earn miles based on your fare class and length of your flight. Each partner has its own earning chart which you can find on the ANA website.

To calculate your earnings, find your partner’s earning page and match your fare class to the percentage listed to the left of the fare class. Then, calculate the length of your flight (in miles) by the percentage.

ANA United earning chart
(Image courtesy of ANA)

For example, if you were flying from Newark (EWR) to London-Heathrow (LHR) on United Airlines in Q fare economy class, you’d earn 2,551 miles as the fare class earns 70% miles flown. Here’s the calculation: 3,645 * 0.70 = 2,551.

Earn ANA miles with ANA Global Hotels

Browsing hotels with ANA Global Hotels

ANA operates its own hotel booking platform called ANA Global Hotels. You can earn miles whenever you book hotels through the platform, with more expensive hotels generally earning more miles. Miles are earned on a nightly basis, with most hotels earning at least 300 miles per night.

There are a couple of things to keep in mind when using this portal: The first is that you won’t earn hotel points or get elite status benefits when you book hotels through ANA Global Hotels. Second, you may end up paying more. Always make sure to cross-check prices you find on ANA Global Hotels with other Online Travel Agencies (OTAs) and booking direct. If the prices match up, consider whether you value ANA Mileage Club miles more than hotel points and your elite status benefits before you book.

Transfer points from Marriott Bonvoy

You can transfer points from Marriott Bonvoy to ANA Mileage Club at a 3:1 ratio. As with all Marriott airline transfers, you’ll get 5,000 bonus miles when you transfer 60,000 Marriott Bonvoy points. However, transfers can take up to four days to process, so you’ll want to put your award on hold before you initiate a transfer.

Whether you should transfer Marriott Bonvoy points to ANA is a different story. It may be worthwhile to transfer points if you have a specific high-end ANA redemption in mind. However, you may want to skip the transfers if you can get more value by booking hotels with your Marriott points instead.

Shop with the ANA Global Mileage Mall

Like many airlines, ANA has its own shopping portal that lets you earn miles with select merchants. To earn miles with the portal, head to the ANA Global Mileage Mall website, sign in and select your region at the top of the screen. Then, find the merchant you’d like to shop with and click the “shop now” button to be redirected to the merchant. You can make your purchase as usual and the miles will be credited to your account within a few weeks.

This is a great way to get rewarded for everyday purchases and keep your miles from expiring.

Things to know before redeeming ANA miles

Image courtesy of ANA
(Image courtesy of ANA)

As discussed in the intro, ANA Mileage Club is one of the best programs for booking for Star Alliance awards. It has an incredible award chart that’s almost always miles cheaper than other Star Alliance award charts from a mileage perspective, so we think it’s the first place you should look when booking a Star Alliance award ticket.

Unfortunately, there are a few to downsides to booking with ANA that you should be aware of before you book a ticket. I’ll walk you through the quirks of booking with Mileage Club and show you some of the program’s sweet spots.

You can’t book one-way awards

Let’s get the bad news out of the way first. The first downside to booking with Mileage Club is that you can’t book one-way award tickets. Instead, all tickets must be booked as round-trip awards, which can be inconvenient if you’re building out a longer itinerary and want to mix-and-match miles.

You can book open-jaw tickets with a stopover

Thankfully, though, you can book open-jaw tickets. This means you could books something like Chicago-O’Hare (ORD) to Frankfurt (FRA) on United Airlines and return on a flight from Munich (MUC) to Newark.

Better yet, you can add a stopover to round-trip ticket too! So you could add a Frankfurt to Munich leg to your itinerary for no additional miles. This is a huge cost saver and largely offsets the inconvenience of not being able to book one-way tickets.

Multi-city award with ANA Mileage Club

ANA fuel surcharges

While ANA recently removed fuel surcharges for awards on its own metal, the airline does pass on fuel surcharges for award tickets on some of its partners. Some of the highest surcharges are imposed by airlines like Austrian, Asiana and Lufthansa, to name a few.

On the other hand, ANA doesn’t levy fuel surcharges on tickets operated by a handful of Star Alliance partners, including:

  • Air Canada
  • Air China
  • Air New Zealand
  • Avianca
  • Copa Airlines
  • United Airlines (except to/from Asia)

In some cases, it may make sense to pay fuel surcharges if the points cost of your award is significantly cheaper than booking with another transfer partner. This depends solely on how much you value your points and miles, so do the math and figure out what works best for you.

Booking award tickets for other passengers

Unlike most airline loyalty programs, ANA has restrictions on who you can book award tickets for. You can only book tickets for your spouse and relatives within two-degrees of kinship. This includes your parents, grandparents, cousins, aunts and uncles. Unfortunately, your best friend, third-cousin, or great-grandmother is excluded.

On the bright side, ANA does have a family pooling service that you can use to pool your family’s ANA Mileage Club miles into one account. The program costs 1,000 miles to enroll in, and you can include anyone within two degrees of kinship.

Related: Do this before booking award tickets for your family

Redeeming ANA miles

Of course, no good deal comes easy. It’s important to understand that ANA has four different award charts for award bookings, including:

  • ANA international award chart: A seasonal, region-based award chart used for pricing international award tickets operated wholly by ANA.
  • ANA domestic award chart: A seasonal, distance-based award chart for pricing flights that take place wholly within the country of Japan and are operated by ANA.
  • Partner award chart: Non-seasonal award chart used for pricing all partner awards operated by Star Alliance and non-alliance airline partners.
  • Round-the-world award chart: Non-seasonal, distance-based award chart used for pricing round-the-world tickets operated by a combination of ANA and its partners.

When booking flights to and from the same region, the most important award charts to know are the ANA international award chart and the partner award chart. However, the round-the-world chart can also be helpful — it offers one of the best ways to book multi-stop tickets on Star Alliance carriers. We’ll show you how to price awards using each of these award charts and then dive into actually booking them.

Related: Your guide to round-the-world award tickets

Pricing international flights on ANA

There are two things to keep in mind when pricing an ANA international award ticket: where you’re departing from and the season in which you’re departing. Since the award chart is zone-based, you’ll have to find your flight zones and then find the corresponding award calendar to determine the price. You can find your origin city’s zone by using the chart on the ANA international flight awards page.

ANA Zone Chart

Scroll down the page and find the “seasonality chart” for your respective zone. For the purpose of this article, let’s look for the seasonality chart for a flight from Zone 6 to Zone 1. This will help us determine how many miles we need for New York-JFK to Tokyo-Haneda. Next, we’ll check if our travel date falls into low, regular or high season.

ANA Seasonality Chart

Now, find the mileage required by locating the award chart for your zone pair at the bottom of the page. Look for your class of service and match it with the season you’re set to fly. In the case of my New York to Tokyo ticket, I’m planning to book in business class during low season. This would cost an incredible 75,000 miles round-trip.

ANA Award Chart North America to Japan

There’s no doubt that this is an incredible deal. Even booking during peak times would cost just 85,000 miles round-trip, which is by far the best way to book business class flights from the U.S. to Japan. First class costs 150,000 miles round-trip during the low and regular season, but 165,000 during high season. Though expensive, this is still an incredible value — especially considering United MileagePlus charges at least 110,000 miles each way.

Pricing domestic flights on ANA

ANA’s domestic award chart works similarly, but with a few small differences: Awards price based on the distance of your flight. ANA awards start at 5,000 miles for a one-way economy ticket up to 300 miles in length during the low season. This includes flights like Tokyo to Osaka (ITM) and Sapporo (CTS) to Akita (AXT), as well as many other city pairs.

Short-Haul Domestic ANA Award Price Chart

You can view the complete domestic ANA award chart on ANA’s website. The airline lists out city pairs that fall into each mileage category too, so it’s easy to see how much you’ll need for a domestic award ticket.

Pricing flights on Star Alliance partners

croatia airlines star alliance livery
(Photo by Bjoern Wylezich/Shutterstock)

Pricing Star Alliance award bookings is surprisingly easy. The airline operates a standard, zone-based award chart for these bookings, so just find the zone that both your origin and destination fall into, locate the award chart for your origin and you can price out your award. Here’s a quick look at which countries and regions fall into each zone — you can find this on ANA’s partner award page.

ANA Partner Zone Chart
Towards the middle of the ANA partner page you’ll find an award chart for each zone. Look for the zone that matches your origin, and you can price out awards to all other zones. Here’s a look at the award chart for flights departing North America:
ANA North America Partner Award Chart
The award charts are broken down by class of service (economy, business and first). Remember, these prices are all for round-trip award tickets — for example, a business class itinerary from the U.S. to Europe costs just 88,000 ANA miles round-trip. This is about what most Star Alliance carriers charge for a one-way ticket, making it one of the best ways to fly to Europe on points and miles. We’ll dive deeper into the best ANA Mileage Club redemptions in a little bit.

How to book ANA awards online

You can book almost all ANA award tickets on the airline’s website. As mentioned earlier, the website is a little bit clunky to use, but it’s search results are extremely accurate. Additionally, the process is the same for booking ANA domestic, ANA international and partner awards — here’s a look at how to do it.

First, head to the ANA website and sign into your Mileage Club account. Then, click the blue “Award Booking” button on the left-hand side of the homepage.

ANA Home Page

Enter your search criteria at the center of the screen. If you’d like to book an open-jaw ticket, you can click the “Open-jaw” button towards the top of the screen. We recommend selecting the “Compare seat availability +/- 3 days” box too — this will show you a week’s worth of award space with one search.

Searching for an award ticket with ANA

If you selected the compare seat availability option, you’ll be presented with a calendar that shows you availability three days before and after the date you searched. Click on the date you’d like to book to continue.

Calendar searching on ANA Mileage Club

Scroll to the bottom of the page and you can see all of the different award options available. Click on the flights you’d like to book and look towards the bottom of the screen for mileage and fees — if you like what you see, click the Next button and follow the on-screen prompts to book.

Award Search Results on ANA Mileage Club

Pricing and booking round-the-world awards with ANA Mileage Club

Old Town Square in Prague Czech Republic
Stop by Prague on your next round-the-world trip with ANA Mileage Club. (Photo by kps1664/Shutterstock)

Finally, we have ANA’s incredible round-the-world award chart for multi-stop itineraries. ANA prices these awards based on distance and — much to our surprise — they’re very reasonable. Here’s a copy of ANA’s round-the-world award chart at the time of writing:

ANA Round The World Award Chart

You can book round-the-world itineraries using a mixture of ANA, Star Alliance and non-alliance partner flights. However, there are a few restrictions to keep in mind. These may seem like a lot on paper, but they’re not too bad in practice:

  • Mileage is calculated based on distance flown for the entire itinerary. Thankfully, this excludes ground transportation you book yourself, so if you take a bus from Prague to Berlin, it won’t be counted.
  • You must cross the Atlantic and Pacific Oceans once.
    • You must travel east-to-west or west-to-east.
    • Backtracking is not allowed.
  • You can book a maximum of twelve flight segments and four ground transfer segments on the same ticket.
  • Up to eight stopovers are permitted between the departure point and the final return point.
    • Three stopovers are permitted within Europe
    • Four stopovers are permitted within Japan.
  • Your return date must be at least 10 days after the departure date of your first international flight.
  • Transfers between airports in the same city also count as ground transfer segments. This means that a transfer from Paris-Charles De Gaulle (CDG) to Paris-Orly (ORY) counts as one of your four ground transfers.
  • Mixed cabin bookings are allowed but you’ll be charged at the rate of the highest booking class. However, domestic first in the U.S. will not raise the cost of a business class award.

Additionally, your itinerary must touch all three of ANA’s round-the-world “areas” and return to the same zone in which you departed. Chances are you’ll do this without trying as the areas a very open-ended, but it’s worth keeping in mind as you plan your trip.

ANA Round The World Zone List

Even with these rules in place, ANA’s round-the-world awards are pretty easy to price out. The only rule that’s easy to break is no backtracking — this can make booking complicated itineraries difficult, but is easy enough to work around if you time your cities properly.

We recommend using a route mapping tool like GCmap to see if your desired route meets these conditions and to calculate the entire mileage flown. Here’s a bookable sample itinerary we built out:

ANA Round The World Example
(Image courtesy of Great Circle Mapper)
  • Chicago-O’Hare (ORD) to San Francisco on United Airlines (Stopover #1)
  • San Francisco to Tokyo-Haneda (HND) on ANA (Stopover #2)
  • Tokyo to Taipei (TPE) on EVA Air (Stopover #3)
  • Taipei to Hong Kong (HKG) on EVA Air (Stopover #4)
  • Hong Kong to Frankfurt (FRA) on Lufthansa (Stopover #5)
  • Frankfurt to Lisbon (LIS) on TAP Air Portugal (Stopover #6)
  • Lisbon to Sao Paulo (GRU) on TAP Air Portugal (Stopover #7)
  • Sao Paulo to Panama (PTY) on Copa Airlines (Stopover #8)
  • Panama to Chicago on Copa Airlines

We verified that this award doesn’t break any rules by counting the number of stops and looking at the “initial heading” on the GCmap website to ensure that none of the routes backtracked east.

GCMap Data on Itinerary
(Image courtesy of Great Circle Mapper)

In the end, this itinerary came out to 26,083 miles total, meaning that it costs 120,000 miles in economy, 170,000 in business and 260,000 in first class. Business class is the sweet spot — it’s only 50,000 miles more than economy but significantly cheaper than first.

Booking an ANA round-the-world award

Unfortunately, you cannot book ANA round-the-world award tickets online. Instead, use your favorite Star Alliance search tool to find award space and take notes of the dates and flight numbers you’d like to book. Then, call ANA Mileage Club to book the ticket — in our experience, the ANA team has been super helpful, so you shouldn’t have a hard time pricing these out.

Remember, though, ANA does tack on fuel surcharges for many of its partner flights. You’ll get a quote before you book the ticket, but if you’re trying to save money, book with carriers that don’t add fuel surcharges.

Mileage Club redemption sweet spots

ANA’s award chart has some amazing deals, especially for long-haul business and first class tickets. Here’s a look at a few of our favorite Mileage Club redemptions — note that all of these awards depart from the U.S.

United Polaris business class to Europe (88,000 miles round-trip)

Feeling a trip to Europe? Book a round-trip ticket in United Polaris business class for just 88,000 miles round-trip with minimal taxes and fees. Make sure to stop by the Polaris lounge at the airport, too!

ANA business class to Japan (75,000 miles round-trip, off-peak)

(Photo by Zach Griff/The Points Guy)
(Photo by Zach Griff/The Points Guy)

You can use just 75,000 miles to fly round-trip from the U.S. to Tokyo in ANA’s new business class product. Better yet, ANA recently eliminated fuel surcharges on its own flights, so taxes and fees will be minimal.

ANA first class to Japan (150,000 miles round-trip)

You can fly ANA’s excellent first class product from the U.S. to Japan for just 150,000 miles round-trip during the low and regular seasons. This isn’t quite as cheap as booking ANA first class with Virgin Atlantic Flying Club, but it may be a safer option given Virgin Atlantic’s poor financial outlook.

Business class flights to Africa (104,000 miles round-trip)

At just 104,000 miles round-trip, ANA offers the cheapest business class award to Africa of all the major loyalty programs. Star Alliance partners Brussels Airways, EgyptAir, and Ethiopian Airlines all have extensive African route networks, so study their route maps and plan your next big trip. You can also fly on United’s new Newark to Cape Town (CPT) to save on fuel surcharges.

Round-the-world trips (varies)

As discussed in the last section, ANA’s round-the-world pricing is second-to-none. It’s by one of the best ways to book a multi-stop itinerary in a premium cabin, so we highly recommend booking one if you have a stash of Membership Rewards ready to transfer to Mileage Club.

ANA elite status

ANA offers three elite status tiers: Bronze, Platinum and Diamond. You’ll qualify for ANA elite status by earning Premium Points — these are awarded when you fly on ANA and its partner airlines and are separate from redeemable miles.

Qualifying for ANA elite status

The number of Premium Points you’ll earn on a flight is calculated by multiplying your flight’s distance by the accrual rate for your fare class, and then multiplying that number by your flight’s Route Ratio. Route Ratios offer a bonus on domestic Japanese flights and Inter-Asia flights — here’s a look:

  • 2x Route Ratio: Japan Domestic Flights
  • 1.5x Route Ratio: ANA operated flights on routes between Japan and destinations in Asia, Oceania, Vladivostok, Russia
  • 1x Route Ratio: All other ANA and Star Alliance routes — 1x Route Ratio

Some domestic fares and all ANA and Star Alliance partner flights that earn more than 100% miles flown will also earn up to 400 Boarding Points per flight. These points are added to the number of Premium Points you earn for your flight, giving you an extra boost towards elite status.

Here’s a look at the Premium Points equation: Flight distance × Fare accrual rate × Route Ratio + Boarding Points. You can also use ANA’s Premium Points Calculator to see how many you’ll earn on a given flight.

To qualify for a status tier, you must meet or exceed the number of Premium Points required to earn your desired status tier in a given calendar year. Here’s a quick look at each tier’s benefits and qualification requirements.

Bronze

Bronze is ANA’s lowest status tier. It requires earning 30,000 Premium Points in a year, and 15,000 of those must be earned on ANA Group-operated flights. You’ll enjoy the following benefits with Bronze status:

  • Up to 55% bonus Mileage Club miles on flights
  • Early reservations for domestic flights in Japan
  • Premium Member Service Desk
  • Free checked luggage on all flights
  • Free advanced seat reservations
  • Lounge access for a fee
  • Priority baggage and check-in
  • Star Alliance Silver benefits

Platinum

You’ll earn ANA’s mid-tier Platinum status level when you earn 50,000 Premium Points in a single calendar year. 25,000 of these must be earned on ANA Group-operated flights. This status tier includes all Bronze benefits as well as the following:

  • Up to 105% bonus Mileage Club miles on flights
  • Lounge access on all ANA Group and Star Alliance flights
  • Priority security
  • Priority reservations for international award tickets and upgrades
  • Pre-boarding on all ANA Group flights
  • Star Alliance Gold benefits
  • Complimentary valet parking at Tokyo-Narita airport
  • A dedicated parking lot at Tokyo-Haneda airport
  • Priority baggage claim

Diamond

Top-tier Diamond status requires earning 100,000 Premium Points in a given calendar year, 50,000 of which must be earned on ANA Group flights. You’ll enjoy all Bronze and Platinum benefits and the following:

  • Up to 130% bonus Mileage Club miles on flights
  • Concierge service at Tokyo-Narita and Tokyo-Haneda airport
  • Waived change fees on international flights.

A quick overview of Upgrade Points

Each of these status tiers can also earn Upgrade Points which you can use for guest passes to ANA lounges, seat upgrades, and more. You’ll earn these points based on how many Premium Points you earn in a calendar year — see ANA’s website for a breakdown of how many points you can earn.

Bottom line

ANA is one of the most lucrative airline loyalty programs out there. It has an excellent award chart and offers a great deal on true round-the-world itineraries, so be sure to consider it the next time you need to book a Star Alliance award ticket.

For rates and fees of the Amex Platinum card, click here.
For rates and fees of the Amex Gold card, click here.
For rates and fees of the Amex Green card, click here.

All screenshots courtesy of ANA

Feature photo courtesy of All Nippon Airways.

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points

TPG'S BONUS VALUATION*: $1,600

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
Intro APR on Purchases
N/A
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.