5 Things to Know About the ANA Card U.S.A. Plus

If you regularly travel to Japan, the ANA Card U.S.A Plus could be a mainstay in your wallet, especially if you’re an expatriate living in the U.S. and need to establish credit here.

Founded in 1952 with just two helicopters, All Nippon Airways (ANA) is now the largest airline in Japan and often wins worldwide accolades for its service. Its co-branded airline credit card in the U.S. — offered through First National Bank of Omaha — rewards holders for ANA flight purchases and has several useful travel features, for a reasonable annual fee: $0 intro first year, then $85.

However, the card's bonus categories are somewhat lacking, so if your goal is to amass a large pile of ANA miles, you may want to look elsewhere.

Here are five things to know about the ANA Card U.S.A Plus.

» SEE: Best airline credit cards

1. Ex-pats living in the U.S. can use it to establish credit

One of the card’s perks is that expatriates, perhaps Japanese employees working in the U.S., can use this card as a tool to establish credit here.

You can be approved for the ANA Card U.S.A Plus without a U.S. credit history, although you may be asked to submit additional documents, including those detailing income and employment. However, you must be a U.S. resident to apply.

And while you can apply without a Social Security number, you won’t start building credit in the U.S. until you submit a number. Your card account lets you check your FICO credit scores online for free.

» MORE: Credit cards you can get without a Social Security number

2. Rewards are straightforward

The ANA Card U.S.A Plus earns the following ongoing rewards:

• An unlimited 2 ANA Mileage Club Miles per dollar spent on ANA purchases.

• 1 mile per dollar spent on all other purchases. 

As noted above, its annual fee is palatable, especially compared with most similar U.S. airline cards that cost about $100 a year. And even better, that annual fee is waived for the first year of having the card, when you apply directly through the card’s enrollment campaign page by July 31, 2025. When you apply that way, you’ll also earn 10,000 bonus miles after you spend $7,000 in purchases within the first three months of opening your account.

(The card's normal offer is as follows: Receive 5,000 bonus miles for your first qualifying purchase using ANA CARD U.S.A. Plus.)

Plus, the card is a Visa, so it’s accepted almost everywhere credit cards are. All transactions are in U.S. dollars, and adding authorized users is free.

3. ANA is an AmEx transfer partner

Cardholders can rake in modest rewards by spending with the ANA Plus card. But using an American Express card that earns American Express Membership Rewards points can get you ANA miles quicker and offer more flexibility. That’s because ANA Mileage Club is a 1:1 transfer partner with American Express Membership Rewards.

Take the American Express® Green Card, for example. It charges a higher annual fee than the ANA Card U.S.A Plus, but it can help you earn more ANA miles on everyday spending than you would with the Plus card. You'll earn valuable Membership Rewards points — 3 points per dollar spent on eligible travel purchases; 3 points per dollar spent on restaurants worldwide; and 1 point per dollar spent on other purchases — which you can then convert to the ANA Mileage Club program to book flights.

Plus, you can transfer points earned with the card to other AmEx transfer partners as well. Terms apply.

» LEARN: Why ANA is a great AmEx transfer partner

4. The ANA miles program has additional useful partners

ANA’s partnerships with other travel programs are notable and make the card’s ANA miles flexible. For example, even if you don’t fly to Japan often, you can earn and redeem ANA miles on Star Alliance partner flights. (United Airlines is the major U.S. carrier in that alliance.)

Plus, the ANA loyalty program offers plenty of sweet spots, particularly in business class around “low season.” And sophisticated travel bookers can gain flexibility by taking advantage of open jaw and stopover awards.

» MORE: Award sweet spots using ANA Mileage Club miles

5. Its travel perks are decent

In addition to ongoing rewards and a bonus, the ANA Card U.S.A Plus can help you earn extra miles for ANA flights you book, as well as progress toward elite status, plus several discounts. Benefits include:

• No foreign transaction fee. 

• 25% flight bonus miles when you fly with ANA.

• 10% in-flight purchases.

• 10% discount at ANA Group duty-free shops.

• 5% discount at ANA Group airport shops.

• Discounts at ANA Hotels and ANA IHG co-branded hotels.