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JAL vs ANA airline credit cards compared

Compare JAL and ANA co-brand cards on fixed cost, mileage program, base mileage earning, insurance and overseas fees.

For: Frequent flyers choosing between JAL and ANA mileage cards. · Verified: 2026-07-30

Official-fact comparison

CriterionJAL Card (Regular)JAL CLUB-A Gold CardANA Visa/Master General CardANA Visa/Master Wide Gold Card
Primary-card feeFirst year free, then ¥2,200 including tax; the American Express variant is ¥6,600.Usually ¥17,600 including tax; selected variants ¥20,900 and the Diners variant ¥34,100.First year free, then ¥2,200 including tax; payment-setting discounts may apply.¥15,400 including tax; eligible statement/payment discounts may apply.
Points programEarns JAL Mileage Bank miles.Earns JAL Mileage Bank miles.Earns ANA Mileage Club miles (via V Points conversion course).Earns ANA Mileage Club miles (via V Points conversion course).
Base earning ruleApproximately 0.5% in miles before optional upgrades (1% with Shopping Mile Premium); initial-flight and 10% boarding bonuses apply.Usually about 1 mile per ¥100 with enhanced shopping mileage, plus a 25% boarding bonus.Approximately 0.5% in miles before conversion-course effects; a 1,000-mile joining bonus and 10% boarding bonus apply.Approximately 1 mile per ¥100 under the relevant conversion course, with a 2,000-mile joining bonus and 25% boarding bonus.
Overseas processing chargeForeign-currency use follows the partner issuer’s designated overseas processing charge; verify the current rate.Foreign-currency use follows the partner issuer’s designated overseas processing charge; verify the current rate.Foreign-currency use incurs the designated overseas processing charge (around 3.63% on mainstream Visa/Mastercard products); verify the current rate.Foreign-currency use incurs the designated overseas processing charge (around 3.63% on mainstream Visa/Mastercard products); verify the current rate.
InsuranceInsurance varies by partner issuer under each policy guide with activation, limits and exclusions.Travel insurance varies by issuer under each policy guide with limits and exclusions.Travel insurance is conditional under the policy guide with activation, limits and exclusions.Travel insurance applies under the gold policy guide with activation, limits and exclusions.

Methodology and limitations

We compare only current, official-issuer facts stored in each card record. Campaign awards are excluded from base rewards, and an unverified feature is shown as not confirmed rather than inferred.

This is a feature comparison, not a ranking of approval likelihood. Issuers make their own screening decisions. Fees, rewards and terms can change, so check the linked official sources before applying.

Safety check before applying

Does “first card” mean easier approval?

No. Inclusion is based on features and issuer-stated eligibility; we do not assess approval likelihood.

Are campaign rewards included in the base reward?

No. Awards with a period, enrollment or spending condition are kept separate from enduring terms.

Sources