JAL CLUB-A Gold Card JAL CLUB-Aゴールドカード
Frequent-flyer JAL gold card · JAL Card · Credit cards
A JAL gold card, mainstream fee ¥17,600 (¥20,900 for Suica/Amex variants, ¥34,100 for Diners), with a 25% flight bonus, enhanced shopping miles and issuer-dependent lounge/insurance.
Highlights
- 25% flight bonus
- Enhanced shopping-mile economics
- Issuer-dependent lounge and insurance
Things to consider
- Choose the variant by network, Suica, lounge and FX
- Fees differ across variants
Fees: ¥17,600 mainstream (¥20,900 Suica/Amex; ¥34,100 Diners); 25% flight bonus.
Points and rewards
This card earns JAL miles at a published base rate of 1% on eligible use, before exclusions and rounding.
- Points programme
- JAL miles
- Base earning rate
- 1%
- What a point is worth
- Variable; often highest for scarce premium-cabin awards, but taxes/surcharges apply
Best for
All-in JAL gold
Watch out for
Fee and lounge guest rules
How you earn
- Earning rule
- JAL Card shopping: usually ¥200=1 mile; Shopping Mile Premium generally ¥100=1 mile; special stores double the applicable rate
- Extra earning on this card
- Shopping Mile Premium included; higher flight bonuses
- Programme bonuses
- Flight first-use/annual/tier bonuses; JAL Card special stores; Shopping Mile Premium; card-specific JRE/TOKYU routes
- Spend that earns
- Eligible card shopping and JAL/partner flights
- Spend that earns less, or nothing
- Fees, cash advances and designated transactions; issuer-side points may apply on some co-brands
- Caps, registration and thresholds
- Award seats, blackout/availability and transfer caps vary
- Expiry
- Generally 36 months after accrual month; JAL Card navi miles are unlimited while enrolled as eligible student
Using your points
- What points can be used for
- JAL/oneworld award flights; upgrades; e JAL Points; JAL coupons; products; partner points; donations; card annual fee on eligible cards
- Statement credit or cash
- No general cash bill credit; e JAL Points pay eligible JAL fares/tours
- Shopping and merchants
- JAL coupons, products and partner exchanges
- Airlines and travel
- Core use: JAL/partner flight awards and upgrades
- Hotels
- Hotel awards/partners and travel packages
- Transit and e-money
- Indirect via partner conversion; JAL Card Suica can combine JRE POINT separately
- Partner points and gifts
- Multiple points, vouchers and merchandise
- Investing and charity
- Donations; no general point investment
- Highest-value route
- A flight award with value above the cash-equivalent alternatives and confirmed availability
Programme rules published by jal.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- ¥17,600
- Insurance
- Travel insurance
- Lounges and travel services
- Domestic lounges
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB · American Express
- Stated eligibility
- 20+ with stable income
- Rewards and category benefits
- Shopping Mile Premium included
Conditions to check
- Fee
Issuance and the credit limit remain subject to the issuer’s screening.Standing benefits structured from official product/lineup research; short-term signup campaigns are not treated as permanent benefits
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| Visa | ¥17,600 | Selectable network stated or represented at family level |
| Mastercard | ¥17,600 | Selectable network stated or represented at family level |
| JCB | ¥17,600 | Selectable network stated or represented at family level |
| American Express | ¥20,900 | Selectable network stated or represented at family level |
Card facts
- Network
- Multiple issuer/network variants (Visa/Mastercard/JCB/Amex/Suica/Diners).
- Annual fee
- Usually ¥17,600 including tax; selected variants ¥20,900 and the Diners variant ¥34,100.
- Fee waiver
- No standing annual fee waiver.
- Rewards
- Earns JAL Mileage Bank miles.
- Base earning
- Usually about 1 mile per ¥100 with enhanced shopping mileage, plus a 25% boarding bonus.
- Bonus conditions
- Boarding bonuses and shopping-mile upgrades follow JAL Card program conditions.
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use follows the partner issuer’s designated overseas processing charge; verify the current rate.
- Insurance
- Travel insurance varies by issuer under each policy guide with limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Lounge access varies by issuer variant under current terms.
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Applicants must satisfy the issuer-stated age, income/status and other conditions; issuance and limits remain subject to screening. No approval-likelihood claim is made.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.