The ANA JCB Credit Card is designed for travelers who want to earn miles through everyday spending.
Issued in partnership with All Nippon Airways and JCB, it offers rewards, travel perks, and access to the ANA Mileage Club.
This guide explains how to apply, what benefits you can expect, and how to manage your card effectively.
Key Features of the ANA JCB Credit Card
Below you can find key features that make the ANA JCB Credit Card ideal for travelers and daily use, offering miles and exclusive JCB perks.
- ANA Mileage Earning: Earn miles for every ¥200 spent on purchases. Miles are automatically credited to your ANA Mileage Club account.
- Travel Insurance: Includes overseas travel accident insurance, providing coverage for medical emergencies and accidents that occur while abroad.
- Airport Lounge Access: Select card versions offer free access to domestic airport lounges in Japan.
- JCB Plaza Services: Get overseas support at JCB Plaza lounges in major cities worldwide, including travel advice and emergency assistance.
- No Foreign Transaction Fees (on some versions): Some premium ANA JCB cards waive fees for overseas purchases.
- Mobile Wallet Compatibility: Supports Apple Pay, Google Pay, and Osaifu-Keitai for easy, contactless payments.
- Welcome and Anniversary Miles: Earn bonus miles on the first use and every account anniversary, based on your card type.
- ANA Mileage Program Integration: Earn miles for each yen spent on purchases.
Interest Rates and Fees
Understanding the interest rates and fees associated with this card is crucial for managing your finances effectively.
Here's a breakdown of the costs you can expect:
Annual Fees
- Primary Member: Free for the first year; ¥2,200 from the second year onward.
- Family Member: Free for the first year; ¥1,100 per year thereafter.
Interest Rates
- Purchase APR: Approximately 15.0% (varies by plan).
- Cash Advance APR: Around 18.0%.
Other Charges
- Late Payment Fee: Applicable if payment is not made by the due date.
- Foreign Transaction Fee: Typically around 1.6% for overseas purchases.
How to Earn Miles with Your Card
Earning miles with the ANA JCB Credit Card is simple and automatic.
You collect miles through everyday spending, bonus campaigns, and ANA-related purchases. Here’s how you can maximize your mileage:
- Everyday Purchases: Earn 1 mile for every ¥200 spent on general purchases.
- ANA Flight Bookings: Earn extra miles when you book flights directly with ANA.
- Bonus Miles on First Use: Get a welcome bonus after your first card transaction.
- Anniversary Bonuses: Receive bonus miles on your card anniversary, depending on your card type.
- Special Campaigns: Join seasonal promos to earn more miles on selected categories.
- Family Card Spending: Combine miles earned from family cards with the primary member’s account.
Eligibility and Requirements
To apply, you must meet specific criteria and provide the required documents. Here’s what’s needed:
- Age: Applicants must be 18 or older; solo applicants often need to be 20 years or older.
- Residency: Must reside in Japan with a valid address.
- Income: Must have a stable income, either employed or self-employed.
- Identification: Valid photo ID (e.g., Japanese driver’s license or residence card).
- Credit History: Must pass credit evaluation by the issuer.
- Documentation: May require proof of income, such as recent pay slips or tax documents.
How to Apply for the ANA JCB Credit Card
To start earning miles, you’ll need to apply for the ANA JCB Credit Card.
The process is simple and can be completed online in just a few steps. Here’s how:
- Visit the official site: Go to the ANA or JCB website and select the ANA JCB Credit Card.
- Fill out the online form: Enter your personal, employment, and contact details.
- Submit required documents: Upload a valid photo ID and, if prompted, proof of income.
- Agree to terms: Review and accept the card’s terms, interest rates, and fees.
- Wait for approval: The issuer reviews your application and conducts a credit check.
- Receive your card: Once approved, the card will be mailed and typically arrives within 1–2 weeks.
Managing Your Card and Miles
Managing your card helps you maximize rewards and stay on top of spending. Here’s how to do it efficiently:
- Link to ANA Mileage Club: Make sure your card is connected to your ANA Mileage Club account to receive miles automatically.
- Track Miles Online: Use your ANA or JCB online account to check your mile balance, transaction history, and upcoming expirations.
- Use the JCB App: Manage your card, view statements, and set alerts through the JCB app or website.
- Choose Your Payment Method: Set up full payment, revolving, or installment options depending on your budget.
- Set Up Auto-Pay: Automate monthly payments from your bank account to avoid late fees.
- Monitor Expiration Dates: ANA miles have an expiration period (typically 36 months), so plan your redemptions.
Mobile Wallet and Contactless Use
Using your ANA JCB Credit Card with mobile wallets and contactless payments adds convenience and security to everyday spending.
Here's how you can take advantage of these features:
- Apple Pay and Google Pay Support: Add your card to Apple Pay or Google Pay for quick, secure payments using your smartphone.
- Osaifu-Keitai Compatibility: Compatible with Japan’s mobile wallet platform for seamless payments in stores and transit systems.
- JCB Contactless Function: Tap your card on compatible terminals without entering a PIN for purchases under a set amount.
- Fast Checkout Experience: Ideal for convenience stores, restaurants, and public transportation, where speed is crucial.
- Secure Transactions: Mobile and contactless payments are encrypted, reducing the risk of card information theft.
- No Need to Carry the Physical Card: Use your smartphone or smartwatch to pay, even if you don’t have your card with you.
Is This the Right Card for You?
Before applying, it’s essential to determine if this card aligns with your lifestyle and travel goals. Here are some points to help you evaluate if it’s a good fit:
This card may be right for you if:
- You fly with ANA regularly and want to earn miles on daily purchases.
- You live in Japan and want a card connected to the ANA Mileage Club.
- You value JCB travel perks, such as lounge access and overseas support.
This card may not be ideal if:
- You prefer flexible points for different airlines or cashback.
- You don’t travel often enough to justify the annual fee.
- You’re looking for a basic card with low interest and minimal extras.
Contact Information and Support
If you need help with your ANA JCB Credit Card, there are several ways to get support.
Below are the main contact options and resources available to cardholders:
- Phone: ANA JCB Support – 0570-001-576 (Japan).
- Hours: Weekdays, 9:00 AM–5:00 PM JST.
- Website: JCB Official Website
- Mailing Address: JCB Co., Ltd., 10-10, Nihonbashi 3-chome, Chuo-ku, Tokyo, Japan.
To Wrap Up
The ANA JCB Credit Card is ideal for travelers who want to turn everyday purchases into miles.
With JCB's global support and ANA's rewards program, it offers a combination of convenience and value.
Ready to start earning miles? Apply online and get closer to your next trip.
Disclaimer
This article is for informational purposes only.
Fees, interest rates, and benefits are subject to change based on updates from the issuer.
