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FNBO credit card

JAL USA Mastercard®

$35 a year. Purchase APR 23.74–24.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked

Select an underlined figure to see where it comes from.

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−$35−$35
Typical spender−$35−$35
Heavy spender−$35−$35
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¢; rewards spendable only with JAL USA CARD Rewards Program (Premium Rewards: 2 Points per $1 on eligible JAL Purchases and 1 Point per $1 on other Net Purchases; Basic Rewards: 1 Point per $2 of Net Purchases): not counted (brand_rewards).

−$35a year

The same in the first year and after.

Rewards and credits$0

−$35 after the fee−$35 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; rewards spendable only with JAL USA CARD Rewards Program (Premium Rewards: 2 Points per $1 on eligible JAL Purchases and 1 Point per $1 on other Net Purchases; Basic Rewards: 1 Point per $2 of Net Purchases): not counted (brand_rewards).

−$35a year

The same in the first year and after.

Rewards and credits$0

−$35 after the fee−$35 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¢; rewards spendable only with JAL USA CARD Rewards Program (Premium Rewards: 2 Points per $1 on eligible JAL Purchases and 1 Point per $1 on other Net Purchases; Basic Rewards: 1 Point per $2 of Net Purchases): not counted (brand_rewards).

−$35a year

The same in the first year and after.

Rewards and credits$0

−$35 after the fee−$35 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¢; rewards spendable only with JAL USA CARD Rewards Program (Premium Rewards: 2 Points per $1 on eligible JAL Purchases and 1 Point per $1 on other Net Purchases; Basic Rewards: 1 Point per $2 of Net Purchases): not counted (brand_rewards).

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

  • Lower top APR than about 65% of the 651 cards we track.

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

JAL USA CARD Rewards Program (Premium Rewards: 2 Points per $1 on eligible JAL Purchases and 1 Point per $1 on other Net Purchases; Basic Rewards: 1 Point per $2 of Net Purchases)

How you earn

2×
Premium Rewards: 2 Points for each $1.00 of eligible JAL Purchases, such as booking JAL flights
1×
Everything else

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

Benefits

  • Receive 5 JAL Life Status Points for every 1,500 shopping miles earned from JAL USA CARD purchases.
  • 10% discount on in-flight purchases on JAL/JAL Group international and domestic flights when paying with JAL USA CARD (maximum purchase JPY100,000 per international or domestic flight; not applicable on JAL code share flights operated by other airlines or on Japan TransOcean Air).
  • 5% savings on duty free shopping at listed stores at Haneda and Narita airports (may not apply to certain products or stores; cannot be combined with other offers).
  • 10% discount on JAL international in-flight internet (Wi-Fi) service when paying with JAL USA CARD (applicable on certain JAL international flights only).
  • No foreign transaction fees on purchases in currencies other than USD (available for both Premium and Basic Rewards).

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)
  3. The bonus: If you’ve ever had this card, you can’t get the bonus.

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
Read the card agreement

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