Airline Loyalty Rewards
ANA Mileage Club Loyalty Program Review
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Tokyo-Haneda, Tokyo-Narita
ANA Suite Lounge (Tokyo); U.S. lounge locations: Chicago (ORD), Honolulu (HNL), Houston (IAH), Los Angeles (LAX), New York (JFK), San Francisco (SFO), San Jose (SJC), Seattle (SEA), and Washington (IAD).
ANA Suite Lounge (Tokyo); U.S. lounge locations: Chicago (ORD), Honolulu (HNL), Houston (IAH), Los Angeles (LAX), New York (JFK), San Francisco (SFO), San Jose (SJC), Seattle (SEA), and Washington (IAD).
Branded and Partnered Credit Cards
ANA makes it challenging to earn miles from its co-branded credit cards. The airline currently only has 1 credit card for U.S. travelers that earns ANA miles.
ANA Credit Cards
The one credit card that you can apply for is through First National Bank of Omaha. But with a low sign-up bonus, we recommend passing on this card for now.
Marriott Credit Cards
Marriott credit cards are the best ways to earn points that can be transferred directly into ANA miles.
What’s great about earning these points is that for every 60,000 points you transfer to an airline partner, you’ll receive 5,000 bonus points. 60,000 points will mean you’ll have 25,000 airline miles (3:1 transfer ratio + 25% bonus) to use for your next redemption.
To help you earn enough points for a flight, here are the Marriott credit cards we recommend:

Marriott Bonvoy Bold® Credit Card
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Marriott Bonvoy Bold® Credit Card
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.
The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.
Pros
- Up to 14x points per $1 on Marriott purchases
- 2x points per $1 on travel purchases
- 15 Elite Night Credits each year (automatically gives you Silver Elite status)
- No foreign transaction fees
- No annual fee
Cons
- Lower point earn rate than other Marriott Bonvoy cards
- Marriott Bonvoy Silver Elite status is the lowest status tier
- Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
- Pay no annual fee with the Marriott Bonvoy Bold® Credit Card from Chase®!
- Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Bold® Card.
- 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
- 1X point for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
- No Foreign Transaction Fees.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center

Marriott Bonvoy Boundless® Credit Card
Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Marriott Bonvoy Boundless® Credit Card
Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.
Pros
- Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
- New benefit to earn big at grocery stores, gas stations, and dining
- Automatic Silver Elite Status
- 1 Free Night Award each cardmember anniversary (up to 35,000 points)
- DoorDash DashPass subscription
- No foreign transaction fees
Cons
- $95 annual fee
- Marriott Silver status is the lowest status tier
- Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center

Marriott Bonvoy Bevy™ American Express® Card
The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.
Marriott Bonvoy Bevy™ American Express® Card
The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.The Marriott Bonvoy Bevy™ American Express® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.
Pros
- 6x points per $1 at hotels participating in Marriott Bonvoy
- 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
- 2x points per $1 on all other purchases
- Complimentary Marriott Bonvoy Gold Elite status
- 15 Elite Night Credits per year
- 1,000 bonus points per paid stay
- 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
- No foreign transaction fees (rates and fees)
Cons
- $250 annual fee (rates and fees)
- Free Night Award certificate is not an automatic benefit
- Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees: None
Card Categories

Marriott Bonvoy Brilliant® American Express® Card
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.
Marriott Bonvoy Brilliant® American Express® Card
A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.The Marriott Bonvoy Brilliant® American Express® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.
So is the card a worthwhile addition to your wallet?
Pros
- 6x points per $1 at hotels participating in Marriott Bonvoy program
- 3x points per $1 on flights booked directly with airlines and restaurants worldwide
- 2x points per $1 on all other purchases
- 25 Elite Night Credits each year
- Priority Pass Select membership upon enrollment
- Global Entry or TSA PreCheck application fee statement credit
- Annual Free Night Award after card renewal
- Complimentary Platinum Elite status
Cons
- Steep annual fee of $650 (rates and fees)
- 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express® Card
- Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
- Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
American Express Credit Cards
American Express cards are another great way to earn points that can be transferred directly into ANA miles.
Amex has a number of valuable partners including ANA, and they regularly offer bonus miles when transferring points to airline partners — further increasing the value of the points you earn.
A combination of these Amex credit cards will make sure you are on your way to earning plenty of points:
Recommended Amex Cards (Personal)

The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
The Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
- The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
- 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
- 5x points per $1 spent on prepaid hotels booked with American Express Travel
- Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
- TSA PreCheck or Global Entry credit
- Access to American Express Fine Hotels and Resorts
- Access to Amex International Airline Program
- No foreign transaction fees (rates and fees)
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Amex Platinum 150k Welcome Bonus Offer
- Benefits of The Amex Platinum
- How to Use 100,000 Amex Platinum Points
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American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
American Express® Gold Card
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
- 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
- 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
- 3x points per $1 on flights purchased directly from airlines or at Amex Travel
- Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
- Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
- No foreign transaction fees (see rates and fees)
- Access to Amex’s The Hotel Collection
- Access to American Express transfer partners
Cons
- $250 annual fee (see rates and fees)
- No lounge access
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Find the Amex Gold 75k or 90k Welcome Bonus Offer
- Benefits of the Amex Gold
- Upgrade Amex Gold to Amex Platinum
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Recommended Amex Cards (Business)

The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Pros
- 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
- Up to $200 annual airline fee credit on your selected qualifying airline
- Statement credits on select purchases with your card
- 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
- Global Entry or TSA PreCheck application fee credit
- Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
- Access to Amex’s Fine Hotels & Resorts program
Cons
- High annual fee of $695 (rates and fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Find The Amex Business Platinum 150k Welcome Bonus Offer
- Find The Amex Business Platinum 170k Welcome Bonus Offer
- Benefits of the Amex Business Platinum
- Authorized Users Benefits of the Amex Business Platinum
- 35% Points Rebate with the Amex Business Platinum
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American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).The American Express® Business Gold Card is excellent at racking up rewards for your business spend.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros
- 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses , and subways
- NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
- NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
- 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
- Access to Amex’s The Hotel Collection
- Purchase protection and extended warranty protection
- Trip delay insurance
- Car rental insurance
- Cell phone insurance
Cons
- $295 ($375 if application is received on or after 2/1/24) annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
- Amex Business Gold 110k Welcome Bonus Offer
- Benefits of the Amex Business Gold
- Amex Business Rose Gold Card
- Amex Business Gold Walmart+ Credit
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The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros
- 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
- Purchase protection and extended warranty protection
- No annual fee and employee cards at no additional cost
Cons
- No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
- No elite travel benefits like lounge access or elite status
- Charges foreign transaction fees
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Financial Snapshot
- APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
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ANA Overview
ANA’s loyalty program is called Mileage Club, and the miles you earn are called Mileage Club miles.
Miles can be earned by flying on ANA, Star Alliance, and partner airline flights. You can also earn ANA miles by spending with its non-airline partners, which include hotels and rental car companies.
When the time comes to redeem ANA miles, you can use your miles to fly on ANA and its partner airline flights. ANA miles can also be redeemed with the airline’s car rental, hotel, and other travel partners.
Joining Mileage Club
Enrollment in the ANA Mileage Club program is easy! Simply complete this form and ANA will provide you with your frequent flyer profile and number.
After enrollment, you will earn ANA miles by flying on ANA or its partner airline flights, and also by spending money with its partners.
How to Sign in to Your Mileage Club Account
Go to the ANA homepage and enter your ANA number and password to log in to your account.
Viewing Your Account Activity
ANA allows you to view 12 months of activity in your account. To view your account activity, log in, click the “Mileage Balance” tab on the right side of your account page, and then click “Miles” on the left side of your account page.
Points Expiration
ANA miles expire at the end of the 36th month in which the miles were earned.
For example, if you earn ANA miles on September 16, 2018, the miles will expire on September 30, 2021.
The only way to extend the expiration of your ANA miles is to hold ANA Diamond member status.
Mileage Club Elite Status
The ANA Mileage Club program has 3 status levels: Bronze, Platinum, and Diamond. The level of your elite status is determined by the amount of Premium Points that you earn over the course of a calendar year.
Bronze: ANA’s lowest tier elite status comes with the following benefits:
- Elite Reservations Desk
- Access to the ANA Lounge using miles or Premium Points
- Ability to use Premium Points to upgrade from economy to premium economy on domestic ANA flights, or upgrade to the next higher cabin class on ANA international flights
- Access to early reservations for domestic (Japan) ANA flights
- Access to advanced seat reservations for domestic (Japan) ANA flights
- Access to a waiting list for a fully booked ANA flight
- Priority check-in desk
- Additional free baggage allowance on international flights
Platinum: ANA’s middle tier elite status comes with all of the benefits of Bronze plus:
- Free upgrades to premium economy if upgrade space is available
- Priority baggage claim
- Exclusive security checkpoint
Diamond: ANA’s top-tier elite status comes with all of the benefits of Platinum plus:
- Access to the ANA Suite Lounge (the airline’s most premium lounge)
- Personal concierge to greet you at the Tokyo-Haneda or Tokyo-Narita ANA Suite Lounge
- Waived fees when making changes to an international flight
If you’re interested in learning more about the elite benefits offered by ANA, here’s the link.
Value of Mileage Club Elite Status
ANA’s elite status is not as relevant for U.S.-based travelers as holding elite status is with a major U.S. airline.
In order to receive the most value out of ANA elite status, you will need to be either a Japan-based flyer, or a regular flyer of ANA or Star Alliance flights to Japan.
Earning Mileage Club Elite Status
ANA uses a point system to qualify for elite status tiers. The points are called Premium Points, and they’re earned when flying ANA or Star Alliance partner flights between January and December.
The airline miles and Premium Points you earn when flying are separate. Miles are based on your cabin class and the distance that you flew. Premium Points are based on a convoluted calculation and relate to your elite status.
Premium Points are based on 4 factors:
- Basic segment mileage
- Mileage accrual rate by booking class and fare type/rule
- Route Ratio
- Boarding Points
Basic segment mileage is the number of miles that you flew — pretty straightforward.
Mileage accrual rate by booking class and fare type/rule is based on the type of airline ticket you purchased. All cabin classes typically have letters associated with the type of fare you’re buying, which translates into a certain percentage of miles that you will earn.
Route Ratio is a multiplier based on the route. Domestic Japan flights earn 2x, ANA flights between Japan and Asia or Japan and Oceania earn 1.5x, and other ANA or Star Alliance flights earn 1x.
Boarding Points are the points you earn based on your cabin class and type of airfare. ANA provides guidance on how many points you will earn here.
To summarize, ANA awards flight miles and Premium Points, and the airline has a Premium Points Simulation to help you calculate the number of miles and points you will earn.
Hot Tip: First National Bank of Omaha’s ANA credit card is a way to earn additional Premium Points that count toward your ANA elite status.
How to Earn ANA Miles
ANA only has 1 co-branded credit card for U.S.-based travelers, so the best way to earn ANA miles is to look into the flexible point programs.
Marriott and American Express are the flexible points programs that allow you to earn ANA miles by transferring those points directly to ANA.
Earning Miles Through Flying
ANA awards what it calls “regular flight miles” by simply holding ANA elite status. If you fly on an ANA or a United Airlines-operated flight, you will also earn bonus miles based on your cabin class and fare type.
The flight miles that you earn can then be used for award flights or upgraded benefits.
Mileage will be determined by your elite status tier and the number of years you’ve had said elite status. In addition, you will earn 5% bonus miles for holding a co-branded ANA credit card.
If you don’t hold an ANA credit card, here’s what you’ll earn based on your elite status:
- Bronze – 40% bonus miles during your first elite year; 50% bonus miles in year 2 continuing as long as you hold the status.
- Platinum – 90% bonus miles during your first elite year; 100% bonus miles in year 2 continuing as long as you hold the status.
- Diamond – 115% bonus miles during your first elite year; 125% bonus miles in year 2 continuing as long as you hold the status.
By holding one of the credit cards listed on this page, you will increase your earn rates in each elite tier by 5%.
For example, you will earn 45% bonus miles instead of 40% bonus miles during your first Bronze elite year if you have one of the credit cards listed in the link.
The ANA miles you earn when flying on an ANA partner will be driven by the partner that you fly, the fare class, and the marketing carrier of the flight (codeshare).
Earn Miles With Credit Cards
ANA offers a single co-branded credit card through First National Bank of Omaha that we don’t recommend. The card doesn’t come with a significant sign-up bonus, and the earning rates when spending on the card leave much to be desired.
Instead, focus on earning Marriott and Amex points that can be transferred directly to ANA. Both partners offer a number of personal and business credit cards (Chase, Amex) that make it easy to earn enough points for a redemption.
Earning Bonus Miles in Other Ways
In addition to being in the Star Alliance and partnering with other airlines, ANA has non-airline partners like hotels and car rental companies.
As you’ll see on its earning miles page, you can earn miles by spending with ANA’s hotel, car rental, mileage mall, restaurants, and retail partners.
Booking Online
The best websites to search for Star Alliance availability (including ANA) are United, Aeroplan, and ANA.
Each search engine has its drawbacks, but when used in combination, they can help you find the availability you’re looking for.
United Airlines’ search engine is best to get a broad view of availability thanks to its month-long calendar. It’s also great that United doesn’t require you to log in to see award space.
The drawback with United is that you’ll come across phantom award space, so it’s important to click through the entire booking process to confirm award availability. Also, United doesn’t organize award routes by the most convenient routing, so use the drop-downs on the left side of the search results to find your desired flights.
Aeroplan is a great tool because it tends to be more accurate than United. The search engine is straightforward and allows you to easily search for the cabin class and route you’re after. Unlike United, you must log in to use the search engine.
The downside is that Aeroplan only allows you to search availability 1 week at a time, and like United, the search results can be inaccurate.
ANA is likely the least utilized website of the 3 because it takes the most time to learn. But once you learn how to use it, you’ll have access to more accurate award availability.
The ANA search engine requires you to search round-trip or an open-jaw route, which makes it more difficult to use than being able to search one-way. The website also requires you to log in to search for award space.
Hot Tip: If can’t find award space on the ANA website and the flights you want are showing on the United and/or Aeroplan website, call ANA at 800-235-9262. The agent can then search for the award space that you found and help you book the flight.
How to Redeem ANA Mileage Club Miles
ANA uses 3 different award charts: one when flying ANA domestically within Japan, one when flying ANA or Air Japan internationally, and one when flying ANA’s partner airlines.
For ANA or Air Japan flights, the award chart is based on:
- Award zone
- Date of the flight (seasonality)
- Cabin class
For ANA partner airline flights, the award chart is based on:
- Award zones
- Cabin class
The ANA and Air Japan domestic chart can be found here, the ANA international award chart here, and ANA partner award chart here.
When you are flying on ANA to/from the U.S., below are the seasonality dates that you’ll want to keep in mind:
Low | 2018 | January 8-February 28, April 1-25 |
2019 | January 7-February 28, April 1-25 | |
2020 | January 6-February 29 | |
Regular | 2018 | March 1-31, May 8-July 25, August 21-December 18 |
2019 | March 1-31, May 8-July 24, August 20-December 17 | |
2020 | March 1-31 | |
High | 2018 | January 1-7, April 26-May 7, July 26-August 20, December 19-31 |
2019 | January 1-6, April 26-May 7, July 25-August 19, December 18-31 | |
2020 | January 1-5 |
After you decide the dates that you want to fly, here are the round-trip mileage rates for travel to/from North America.
ANA flies from Tokyo-Narita (NRT) to the following airports in the U.S.: Chicago(ORD), Houston (IAH), Los Angeles (LAX), New York (JFK), San Francisco (SFO), San Jose (SJC), Seattle (SEA), Mexico City (MEX), and Washington, D.C.(IAD).
ANA also flies from Tokyo-Haneda (HND) to the following airports in the U.S.: Chicago, Los Angeles, New York, and Vancouver (YVR).
North America – Japan | |||
Low | Regular | High | |
Economy | 40,000 | 50,000 | 55,000 |
Business | 75,000 | 85,000 | 90,000 |
First | 150,000 | 150,000 | 165,000 |
Hot Tip: If you’re eyeing a trip to Japan and want to use your miles, we put together a piece on the best ways to redeem ANA miles.
Star Alliance and Partner Awards
For flights to Japan from North America on a Star Alliance partner like United Airlines, here’s the round-trip mileage required:
North America – Japan | |
Economy | 50,000-55,000 |
Business | 85,000-90,000 |
First | 150,000-165,000 |
It’s important to note that all ANA and partner airline flights must be booked round-trip, except for ANA domestic flights.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
Frequently Asked Questions
In Mileage Club, who are the partners? Can I transfer miles to them?
With ANA in the Star Alliance, you’ll be able to use ANA miles to fly on any of the airlines in the alliance.
ANA also has separate airline agreements with airlines outside of the Star Alliance. The same structure works in that you can use ANA miles to fly these airlines.
In addition to its airline partners, ANA has other travel partners including hotels and car rental companies. You can transfer miles to its non-airline partners, but this will not get you the best value for your miles.
What is the ANA Mileage Club login?
The ANA login page can be accessed here.
Where can I sign up for Mileage Club?
You can sign up for the program here.
What is my Mileage Club number?
After logging into your account, click the yellow “My Menu” tab and then click the “List your ANA Number” tab to see your ANA number.
When did the ANA join the Star Alliance?
ANA joined the Star Alliance in October 1999.
When do miles post in Mileage Club?
ANA does not list how long it takes miles to post into your account in its terms and conditions, but based on experience with legacy U.S. airlines, miles should post within 7-10 days.
When do Mileage Club miles expire?
Miles expire at the end of the 36th month after you have earned them.
When does Mileage Club status expire?
The number of premium points you earn between January and December each year determines your elite status for the following year. Elite status starts on April 1 of that year and is valid for 1 year.
Is there an ANA credit card?
Yes, but we do not recommend it due to the low sign-up bonus currently offered.
In Mileage Club, what is a stopover?
A layover of more than 24 hours on an international flight is considered a stopover.
What is a Mileage Club hold?
The ANA website states that award flight holds are not possible, but you may be able to find an agent willing to put your flight on hold for 24-48 hours.
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About Michael McHugh
Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn’t travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since.
Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend’s phone about a mistake fare. That’s where the love affair with points and miles began.
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