JAL Mileage Bank credit cards
First National Bank of Omaha issues the JAL USA CARD, which JAL's own site links to. The older card, applied for before October 15, 2024, is closed; the upgraded card that replaced it comes in two tiers: Basic Rewards and Premium Rewards, which adds a $50 yearly upgrade fee and earns more per dollar. Its perks are a 10% bonus on JAL flight miles and discounts on board.
Written and reviewed by the Points Plug team. Last reviewed .
| Card | Issuer | Annual fee | Welcome offer |
|---|---|---|---|
| JAL USA CARD | First National Bank of Omaha | $35 a year (Basic Rewards); $35 plus a $50 yearly upgrade fee (Premium Rewards) | 10,000 bonus miles plus a $0 introductory annual fee and upgrade fee for the first year on Premium Rewards. The offer page lists no spend requirement and says offers vary. |
JAL USA CARD
First National Bank of Omaha · Mastercard · Personal card
- Annual fee
- $35 a year (Basic Rewards); $35 plus a $50 yearly upgrade fee (Premium Rewards)
- Welcome offer
- 10,000 bonus miles plus a $0 introductory annual fee and upgrade fee for the first year on Premium Rewards. The offer page lists no spend requirement and says offers vary.
- Foreign transaction fee
- None on purchases in currencies other than USD
What it earns
| 2 miles per $1 | eligible JAL purchases (Premium Rewards) |
|---|---|
| 1 mile per $1 | everything else (Premium Rewards) |
| 1 mile per $2 | all purchases (Basic Rewards) |
Airline benefits
- 10% bonus miles on every JAL flight
- 5,000 bonus miles on your first JAL international flight
- 10% off JAL Group inflight shopping
- 10% off JAL international Wi-Fi
Shopping benefits
- 5% off duty free shopping
- Mastercard Easy Savings
Who can get the offer: If you re-apply or have more than one JAL USA CARD and have received the First Flight bonus previously, you will not receive multiple bonuses.
Other ways to earn JAL Mileage Bank miles
Capital One miles, Citi ThankYou Points, Bilt Rewards and Marriott Bonvoy transfer points into JAL Mileage Bank, so a general travel card can top up the same account. Ratios and timing are on the transfer partners table.
- How to earn JAL Mileage Bank miles, including shopping, dining and partner earning.
- What JAL Mileage Bank miles are worth and how to sell them.
- The complete guide to airline credit cards: every program, issuer rules, bonuses and benefits compared.
JAL Mileage Bank credit card FAQ
- Which bank issues the JAL Mileage Bank credit cards?
- First National Bank of Omaha issues the US JAL Mileage Bank cards: JAL USA CARD.
- What are the JAL Mileage Bank card welcome offers?
- As read on the issuers' pages on September 23, 2026: JAL USA CARD, 10,000 bonus miles plus a $0 introductory annual fee and upgrade fee for the first year on Premium Rewards. The offer page lists no spend requirement and says offers vary. Offers change often, so check the issuer's page before applying.
- How much is the annual fee on the JAL Mileage Bank cards?
- JAL USA CARD: $35 a year (Basic Rewards); $35 plus a $50 yearly upgrade fee (Premium Rewards).
Other airline cards
Sources
- JAL USA CARD (FNBO): new cardmember offer page · official page