MilesAway® Classic
NCMIC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of NCMIC. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The MilesAway® Classic from NCMIC earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Receive 10,000 points after you use your card for the first time..
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use NCMIC Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the MilesAway Classic earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how MilesAway Classic compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how MilesAway Classic compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values NCMIC Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the MilesAway Classic?
The MilesAway Classic fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
MilesAway Classic fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% 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 points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. 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 NCMIC Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $1 foreign transaction fees.
- NCMIC Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the MilesAway Classic welcome bonus?
In Madeen's catalog snapshot, the MilesAway Classic welcome offer is Receive 10,000 points after you use your card for the first time.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 10k NCMIC Rewards (~$100 estimated)
- Terms (catalog snapshot)
- Receive 10,000 points after you use your card for the first time.
Does the MilesAway Classic have an annual fee?
The MilesAway Classic has an annual fee of $0 and a foreign transaction fee of $1. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $1
What benefits come with the MilesAway Classic?
The MilesAway Classic includes Auto Rental Collision Damage Waiver, Booking.com, Golf Benefits from Troon Rewards® 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.
Lost Luggage Reimbursement
$3,000/yrwill reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Travel Accident Insurance
$3,000/yrprovides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
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.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
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.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
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.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Related encyclopedia topics
Common questions about the MilesAway Classic
Does the MilesAway Classic have an annual fee?
The MilesAway Classic carries an annual fee of $0 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 MilesAway Classic?
Dining is the strongest Madeen category for the MilesAway Classic at about 1% 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 MilesAway Classic charge foreign transaction fees?
The MilesAway Classic charges a foreign transaction fee of $1 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the MilesAway Classic welcome bonus?
The MilesAway Classic welcome offer in our snapshot: Receive 10,000 points after you use your card for the first time.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the MilesAway Classic?
Madeen's catalog lists a typical credit range of Good for the MilesAway Classic. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the MilesAway Classic?
Rewards on the MilesAway Classic post as NCMIC Rewards. Redemption value depends on how you use NCMIC Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the MilesAway Classic compare to similar cards?
Compare the MilesAway Classic against MilesAway Preferred (1.5% on Dining, $75 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 |
|---|---|---|---|
MilesAway Classic This card | Dining | 1% | $0 |
NCMIC | Dining | 1.5% | $75 |
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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NCMIC and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of NCMIC. 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