ANA CARD U.S.A. Plus
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How we calculate effective rate →
The ANA CARD U.S.A. Plus from FNBO earns up to 1.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $85. New applicants may see: Earn 10,000 Bonus Miles after spending $7,000 in purchases within the first 3 billing cycles of opening your account..
- Top category
- Dining
- Effective value
- 1.4%
- Annual fee
- $85
Worth a look for dining spend if you need a business card and can use ANA Mileage Club the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
What does the ANA CARD U.S.A. Plus earn in each category?
Dining is the strongest category at 1.4% effective value (1x miles at about 1.4 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how ANA CARD U.S.A. Plus compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.4% effective value (1x miles at about 1.4 cents each). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how ANA CARD U.S.A. Plus compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.4% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.4% |
| Gas Gas stations and fuel | 1x miles | 1.4% |
| Travel Flights, hotels, transit | 1x miles | 1.4% |
| Other General everyday spend | 1x miles | 1.4% |
Madeen values ANA Mileage Club at about 1.4 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the ANA CARD U.S.A. Plus?
The ANA CARD U.S.A. Plus fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
ANA CARD U.S.A. Plus fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $85 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use ANA Mileage Club the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1.4% effective (1x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $85 annual fee requires enough spend in bonus categories to offset.
- ANA Mileage Club value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the ANA CARD U.S.A. Plus welcome bonus?
In Madeen's catalog snapshot, the ANA CARD U.S.A. Plus welcome offer is Earn 10,000 Bonus Miles after spending $7,000 in purchases within the first 3 billing cycles of opening your account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 10k ANA Mileage Club (~$140 estimated)
- Terms (catalog snapshot)
- Earn 10,000 Bonus Miles after spending $7,000 in purchases within the first 3 billing cycles of opening your account. First-year annual fee waived.
- Minimum spend
- $7,000
- Window
- 3Months
Does the ANA CARD U.S.A. Plus have an annual fee?
The ANA CARD U.S.A. Plus has an annual fee of $85 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $85
- Foreign transaction fee
- None
What benefits come with the ANA CARD U.S.A. Plus?
The ANA CARD U.S.A. Plus includes +25% Additional Flight Bonus Miles, +5,000 Miles, 10% off on ANA in-flight purchases in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
+25% Additional Flight Bonus Miles
ANA Mileage Club regular members with the primary cardholder of this card are now qualified for 25% Flight Bonus Miles as Card Type Multiplication rate, when flying on ANA Group flights.
+5,000 Miles
Earn 5,000 bonus miles after your first purchase
10% off on ANA in-flight purchases
Receive a 10% discount on all ANA in-flight purchases for international and domestic flights when using this card.
Less Requirements toward ANA Bronze member status
Primary cardholders of this card who earn 30,000 premium points or more within one year will be qualified for ANA Bronze Service membership status even if they do not meet the 15,000 points requreiment for ANA Group operated flights.
Priority Check-In
Enjoy Priority Check-In on ANA-operated International Flights! To receive this benefit, present this card at the Business Class check-in counter.
Receive 10% off at duty free shops at the airport
Present your card when checking out at the following ANA group duty free stores in the airport, and receive a 10% discount on selected items.
Related encyclopedia topics
Common questions about the ANA CARD U.S.A. Plus
Does the ANA CARD U.S.A. Plus have an annual fee?
The ANA CARD U.S.A. Plus carries an annual fee of $85 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the ANA CARD U.S.A. Plus?
Dining is the strongest Madeen category for the ANA CARD U.S.A. Plus at about 1.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the ANA CARD U.S.A. Plus charge foreign transaction fees?
The ANA CARD U.S.A. Plus does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the ANA CARD U.S.A. Plus welcome bonus?
The ANA CARD U.S.A. Plus welcome offer in our snapshot: Earn 10,000 Bonus Miles after spending $7,000 in purchases within the first 3 billing cycles of opening your account.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the ANA CARD U.S.A. Plus annual fee worth it?
Whether the $85 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the ANA CARD U.S.A. Plus?
Madeen's catalog lists a typical credit range of Good to Excellent for the ANA CARD U.S.A. Plus. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the ANA CARD U.S.A. Plus compare to similar cards?
Compare the ANA CARD U.S.A. Plus against Amtrak Guest Rewards Mastercard (5% on Dining, $0 fee); Amtrak Guest Rewards Preferred Mastercard (5% on Dining, $99 fee); Best Western Rewards Mastercard (4.6% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
ANA CARD U.S.A. Plus This card | Dining | 1.4% | $85 |
| Dining | 5% | $0 | |
| Dining | 5% | $99 | |
| Dining | 4.6% | $0 | |
| Dining | 4.6% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
FNBO and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of FNBO. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure