Miles · Mastercard · $85 annual fee
Last verified 2026-09-09. Review issuer source
FNBO JAL USA CARD Premium is a $85-a-year miles card from FNBO. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards. Rewards are JAL miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $244, which clears the $85 fee with $159 to spare before any credits or perks.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do. It charges 3% on foreign purchases, so leave it home when you travel abroad.
No welcome bonus is stored for this catalog entry yet.
10% discount on in-flight purchases on JAL/JAL Group International and Domestic flights by making payment with JAL USA CARD.
10% discount on JAL international in-flight internet service by making payment with JAL USA CARD.
5% discount on purchases at "JAL PLAZA" Shops (for purchases of JPY1,000 or more).
5% discount on duty free shopping at "JAL-DFS" and "JAPAN DUTY FREE" shops in Narita International Airport Terminal 2.
An additional 10% sector bonus miles will be given every time the primary cardholder flies with JAL group.
These come from Mastercard, not from FNBO. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| JAL USA CARD PremiumThis card · 1x on everything | $85 | $244 | +$159 | 733rd of 752 |
| Evergreen® by FNBO | Business Edition®FNBO's most-held other card · 2% on everything | None | $1,464 | +$1,464 | 9th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
