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Verdict: The Asiana American Express Card gets big points for its rewards program. Thanks to a two-tiered rewards system, cardholders can earn their miles quickly. Best of all, they don’t even have to spend on Asiana Airlines merchandise to do it. The only downside? The card does come with an annual fee of $99. Frequent travelers on Asiana, though, should be able to earn enough rewards points to make this annual fee more than worth it.
Overview: The Asiana American Express card, issued by Bank of America, allows cardholders to quickly build up rewards points that they can convert into free trips on Asiana Airlines. What sets this card apart is how easy it is to build up miles. Cardholders can earn up to three miles for every dollar that they charge on this card. That outperforms most airline credit cards.
How This Card Works: Cardholders can redeem their rewards points after earning 10,000 of them. They can then use them for free flights on Asiana Airlines and its partner airlines. Cardholders can also redeem their rewards for seat-class upgrades.
Travel and Shopping Benefits: Cardholders earn three miles for every dollar that they charge at specific grocery stores. They earn two miles for every dollar that they charge on all other purchases. The Asiana American Express credit card also rewards cardholders with 5,000 bonus miles immediately after they charge their first purchase. The card provides holders with a $100 rebate on Asiana Airlines tickets.
Fees: The Asiana American Express card does come with a fairly steep annual fee of $99. But it’s interest rate is a reasonable 14.24 percent. Cash advance fees run either $10 or 4 percent of the advance amount, whichever is higher. Late fees can run as high as $35, while returned payment fees can hit $25. The card does not have a penalty APR for cardholders who are late on their payments.
- Ability to rapidly build rewards points.
- 5,000 bonus rewards points after first purchase.
- Don’t have to spend at Asiana Airlines to earn rewards points rapidly.
- Annual fee of $99.
- Have to redeem points for Asiana Airlines travel.
- Late fee of up to $35.