RateHerald

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FNBO credit card

ANA CARD USA Plus Visa ®

$85 a year. 5,000 ANA Mileage Club miles welcome bonus. Purchase APR 23.74–24.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

FNBO’s terms

Welcome offer

5,000 miles

First qualifying purchase using ANA CARD U.S.A.

Bonus miles may take up to 6 weeks from card issuance to reflect in the account.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$100$50
Typical spender$280$230
Heavy spender$640$590
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$50a year

$100 the first year, with the welcome bonus.

Rewards and credits$120

You keep $50−$70 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$230a year

$280 the first year, with the welcome bonus.

Rewards and credits$300

You keep $230−$70 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$590a year

$640 the first year, with the welcome bonus.

Rewards and credits$660

You keep $590−$70 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • Lower top APR than about 85% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 35% of the 171 cards on our Sign-up bonuses list (see the list).

Other miles cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

ANA Mileage Club

How you earn

1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$85 · 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 ANA Mileage Club miles. · anacardusa.com, since Oct 2, 2026
Read the card agreement

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