What the Ana Credit Card Is
The Ana Credit Card is a co-branded card issued by a major bank in partnership with ANA (All Nippon Airways). It's designed for people who fly ANA regularly or want to earn rewards on everyday purchases that convert to ANA miles. The card earns points on all spending, with bonus categories for travel and dining, and those points transfer directly to your ANA frequent flyer account.
This card is not the same as an ANA-branded debit card or a prepaid travel card. It's a standard credit card that requires you to pay a monthly bill, just like any other card. The main difference is that your rewards go into an ANA mileage account instead of a generic points pool.
Key Takeaways
- The Ana Credit Card earns points on all purchases, with higher earning rates in bonus categories like airfare and dining.
- Points convert to ANA miles at a set rate, and those miles can be used for ANA flights, partner airline tickets, and seat upgrades.
- The card typically carries an annual fee, which you pay once per year regardless of how much you use the card.
- You must have an ANA frequent flyer account before you open the card, or you can create one during the card process process.
- Rewards and benefits change by card issuer and region, so confirm the specific earning rates and perks before you explore.
How Points and Miles Work on This Card
Every dollar you spend on the Ana Credit Card earns a set number of points. The exact earning rate depends on which version of the card you hold and which bank issues it, but most versions earn 1 point per dollar on everyday purchases and 2 to 5 points per dollar in bonus categories. Bonus categories typically include ANA flights, airline tickets purchased through travel agencies, hotels, restaurants, and gas stations.
Points are deposited into your ANA frequent flyer account automatically, usually within one to three billing cycles. You don't have to transfer them manually or take any extra step. Once they're in your ANA account, they become ANA miles and can be used to book flights, upgrade seats, or purchase other travel services through the ANA website.
The conversion rate is fixed—you're not trading points for miles at a variable rate. One point typically equals one mile, though this varies by card version and issuer. Check your card's terms to confirm the exact conversion before you explore.
Annual Fees and Other Costs
The Ana Credit Card charges an annual fee, usually between $95 and $450 depending on the card tier and issuer. This fee is charged once per year, typically on your card anniversary or the first billing statement of the year. You pay it whether you use the card or not.
Some versions of the card waive the annual fee for the first year, or offer a statement credit that offsets part of the fee if you spend a certain amount in the first few months. Read the offer details carefully before you explore to understand what you'll actually pay in year one.
Beyond the annual fee, the Ana Credit Card works like any other credit card. You pay interest on any balance you carry month to month, and you may face late fees if you miss a payment. There are no additional fees just for earning miles or transferring points to your ANA account.
Sign-Up Bonuses and Introductory Offers
Most versions of the Ana Credit Card come with a sign-up bonus—a large number of miles or points awarded after you meet a spending requirement in the first few months. A typical offer might be 50,000 miles after you spend $5,000 in the first three months, for example. The bonus is credited to your ANA account once the spending requirement is met and the issuer verifies your account.
Sign-up bonuses change frequently and vary by card issuer and region. Some offers also include a statement credit toward the annual fee, a waived first-year fee, or bonus miles on your first purchase. Check the current offer on the issuer's website or the card's landing page to see what's available right now.
To receive the sign-up bonus, you must be a new cardholder or meet the issuer's definition of a new customer (usually someone who hasn't held this card in the past 24 months). If you've held the card before, you may not be may be able to access for the bonus.
Additional Perks and Benefits
Beyond earning miles, the Ana Credit Card typically includes travel-related perks. These may include travel insurance (covering trip cancellation, baggage delay, or emergency medical expenses), airport lounge access, priority boarding on ANA flights, or discounts on ANA seat upgrades. The exact perks depend on the card version and issuer.
Some versions offer concierge services, where you can call a phone number to book travel, make restaurant reservations, or get travel information. Others include purchase protection, which reimburses you if a covered item is damaged or stolen within a certain period after purchase. Read your card's benefits guide to see what's included.
These perks are not may provide to last forever. Card issuers change benefits regularly, and some perks may be added or removed with little notice. Check your cardholder agreement or the issuer's website periodically to stay current on what your card includes.
How to Open an Ana Credit Card Account
To open an Ana Credit Card account, you'll need to start with an ANA frequent flyer account. If you don't have one, you can create it for free on the ANA website before you explore for the card, or during the card process process itself. You'll need your name, date of birth, email address, and a mailing address.
Once you have an ANA account, visit the card issuer's website and click the process link. You'll enter your personal information, income, employment status, and Social Security number. The issuer will pull your credit report to check your credit score and history. The decision usually comes within minutes, though some applications are reviewed manually and may take a few business days.
If you're approved, the card is mailed to your address within 7 to 10 business days. When it arrives, you'll need to set up it before you can use it. Most issuers let you set up online or by phone. Once activated, your card is ready to use, and any purchases you make will start earning miles when ready.
Paying Your Bill and Managing Your Account
The Ana Credit Card bill works like any other credit card. You receive a statement each month showing your purchases, balance, and minimum payment due. You can pay online through the issuer's website, by phone, by mail, or through automatic payments. The due date is typically 21 to 25 days after the statement closes.
If you pay your full balance by the due date, you won't pay any interest. If you carry a balance, interest accrues at the card's annual percentage rate (APR), which varies based on your creditworthiness and current market rates. Late payments trigger a late fee and may raise your APR.
You can check your account balance, view statements, and update your contact information through the issuer's online portal or mobile app. Most issuers also let you set up alerts for when your statement is ready, when a payment is due, or when your balance reaches a certain amount.
Frequently Asked Questions
Do I need to be an ANA frequent flyer to get this card?
You don't need to be an existing frequent flyer, but you do need an ANA frequent flyer account. You can create one for free on the ANA website before you explore for the card, or the issuer can help you set one up during the process process. Once your account is open, your miles will be deposited there automatically.
What happens to my miles if I close the card?
Your miles stay in your ANA frequent flyer account even after you close the card. Closing the card doesn't erase your miles or prevent you from using them. However, you'll stop earning new miles once the card is closed, and you'll lose access to any card-specific perks like lounge access or travel insurance.
Can I transfer my miles to someone else?
ANA allows you to transfer miles to another person's ANA account, but the rules and fees vary. Some transfers are free if the recipient is a family member, while others charge a fee per mile transferred. Check the ANA website or your card's benefits guide for the current transfer policy.
What if I don't fly ANA often?
If you rarely fly ANA, the card may not be worth the annual fee. Consider whether the sign-up bonus, earning rate on everyday purchases, and other perks justify the cost. You could also look at other airline cards or general rewards cards that let you transfer points to multiple airlines, giving you more flexibility.
How do I redeem my miles for a flight?
Log into your ANA frequent flyer account on the ANA website and search for available flights. You can filter by date, route, and cabin class. Once you find a flight, select it and choose to pay with miles instead of cash. The miles are deducted from your account when ready, and your booking confirmation is sent to your email.