Earn a Round-Trip or One-Way Trip!

 

The Bank of America Asiana Airlines Visa Signature credit card is now offering their best sign-up bonus miles after meeting the required minimum spend.  The usual signup bonus is 10,000 miles. The card is offered in the United States only.

Here are my thoughts on the Asiana Airlines Visa credit card.

The current bonus gives you enough miles to book a round-trip coach air ticket within the US (excluding Hawaii) or Canada through Star Alliance Partners like United or Air Canada!  The Asiana Mileage bonus should cover four or more annual fees!  The credit card really shines when using it as it was intended for, booking on Asiana Airlines!

Asiana Airlines is one of the two major airline carriers of Korea, Korean Airlines being the other. It’s also my second favorite airline, after Korean Airline.  The Asiana Airlines Visa credit card has one of the best benefits that can be found in an airline credit card.  If you fly at least once a year, this card pays for itself, and you receive fantastic perks.

The miles from Asiana Airlines can be used at any of the other 25+ Star Alliance partners.

 

Star Alliance Partners

 

 

Non Star Alliance Partners

Air Astana
Air Busan
Air Macau
Air Seoul
China Southern
Etihad Airways
Hong Kong Airlines
Qantas
Qatar Airways
S7 Airlines
Shandong Airlines
Shenzen Airlines
Sri Lankana Airlines

 

How Do You Use / Redeem The Asiana Miles?

You will need to sign up for the Asiana Club before using/redeeming the miles.  The Asiana Club membership information page has the membership program levels.

 

Important Tip!

Write down your username, password, and account number.  You will need it to log in.

 

Asiana Airline Offers These Credit Cards

There are currently two credit cards offered by Asiana Airlines through Bank of America:

1. Asiana Airlines Visa Signature Card.  This personal credit card has a low $99 annual fee.  For the yearly fee, the features and benefits are awesome.  You get your money’s worth and I felt like I finally knew what it was like to be a Samsung CEO.

Receive 30,000 Bonus Miles after you make $3,000 or more in purchases within 3 months (90 days) of getting the credit card approved. Note: The 90 days start on the day you are approved for the credit card.  The card may take several days to a couple weeks to reach you, so you really have less than 90 days to meet the minimum spend requirements.
10,000 Bonus Miles Certificate each year.  It supposedly expires in 1 year, so you can’t stack them.  Successful renewal requires paying a low annual fee of $99.  The bonus miles certificate can only be redeemed on Asiana Airlines flights, not on Star Alliance partner flights.  Bonus miles certificate can be used on; Asiana Airline international flight or Korean domestic flights, Excess baggage allowance (flights departing from the United States), and a cabin class upgrade.  Any miles you earn from purchases on the credit card expires in 10 – 12 years and can be redeemed with Asiana or Star Alliance Partners.
$100 rebate each year.  Upon successful renewal of the card, you receive an automatic $100 rebate applied to your Asiana Airlines ticket purchase of $100 minimum. The reimbursement should be automatically applied to your credit card account within 2 billing cycles or sooner.
Receive two lounge invitations each year.  Suitable for two visits to Asiana Lounges in the United States. Paying for access to the lounges is W30,000, roughly $26.  Asiana Airline has lounges in Korea; Incheon Airport, Gimpo International Airport and Gimhae International Airport, as well as in the United States.  Find all lounge locations here.  The Asiana lounge access ticket is only good for the cardholder.  So you can’t bring a guest into the lounge, unless you pay for the guest.
Earn 3x miles for every $1 purchase with Asiana Airlines.
Earn 2x miles for every $1 purchase on gas and grocery stores.
Earn 1x miles for every $1 purchase on everything else.
Redeem the miles for flight awards, upgrades, baggage charges, use of the lounge and more.
• Annual mileage earning cap of 200,000 miles. You can only earn 200,000 miles each year.
• No Foreign Transaction Fees when making purchases outside the United States.
• Miles expire in 10 years for Magic Miles / Silver / Gold members; 12 years for Diamond members.

REMEMBER: The annual fee must be paid in the first year and each subsequent year after. This means that the yearly fee is not waived the first year. Since it is a credit card, you can pay the minimum monthly payment, but we don’t recommend that. Keep a zero balance on it to maximize the cards benefits.

2. Asiana Visa Business Card.  A business card with a low annual fee of $80 per year. This card definitely gives excellent benefits and returns for the small annual fee. Personally, I believe it has better benefits than the Asiana Airlines Visa Signature Card.

Earn 10,000 Bonus Asiana Club Miles after making your first purchase on your account opening.
Receive two (2) automatic $100 annual rebates on Asiana Airlines ticket purchases each year.  The annual rebates behave the same way as the Asiana Airlines Visa credit card.  See above.
Earn 2x miles for every $1 purchase on Asiana Airlines ticket purchases.
Earn 1x miles for every $1 purchase on everything else.
•  No Limit to the miles you can earn.

REMEMBER: The annual fee must be paid in the first year and each subsequent year after.  This means that the yearly fee is not waived the first year.

 

Asiana Airlines Visa Signature Credit Card from Bank of America

 

Is the Asiana Airline Credit Cards Good? Worth It?

 

1. Asiana Airlines Visa Credit Card.  I believe that the Asiana Airlines Visa credit card is the best non-premium airline credit card on the market.  What is my reasoning?  My reasoning is based on the return from the credit card. Doing the math, for only $95, you will get:

• $100 automatic rebate each year.
• 10,000 bonus miles each year upon renewal.
• Two (2) lounge tickets.
• 200,000 miles limit cap.

Return on Annual Fee: Over $200 each year! For only $95 a year!
Because of this, I decided to apply for the Asiana Airlines Visa credit card.

2. Asiana Airlines Business Credit Card.  The Asiana Airline Business Credit Card is just as good.  For only $95 annual fee.  Let’s check out the best perks:

• Receive two (2) automatic $100 annual rebates on Asiana Airlines ticket purchases.
• No limit to the miles you can earn.

 

Are You Eligible To Get An Asiana Airlines Visa Signature Credit Card?

 

If you are thinking about applying for the Asiana Airline Visa Signature credit card, we recommend meeting the following requirements:

• Good to Excellent Credit Score: We recommend you check your credit score prior to applying. Remember to unfreeze your credit report if you have frozen it, before applying.
• You must be at least 18 years of age or 21 years of age if you’re a permanent resident of Puerto Rico. You won’t be approved otherwise.
• Be able to meet the minimum spending requirements. If you don’t care about earning the bonus points, then that’s ok. The perks and benefits alone is worth getting the Asiana Airlines credit card.

What Information Will I Need To Provide?
• Your full legal name and residential address
• Your employment information
• Your email address, phone number and date of birth
• Financial information like your personal income

 

Which Asiana Airline Visa Signature Card Should You Get First?

 

People ask me, which one should I get?  I say, the choice is yours.  I would get both because I am getting over 2X return on the annual fee I am paying from both cards.

The credit card is a Visa, not an American Express.  If you hold numerous American Express cards, then this Visa credit card will be an excellent addition to your cards.  Having a diversification of credit cards is critical to maximizing your perks and benefits.

Truthfully, I don’t see the excuse other website writers are saying about the Asiana Airlines credit card.

They say most folks can do better by getting other credit cards or that the Asiana credit card is too limited by being focused on Asiana Airlines.

Other airlines focus the attention on their credit cards. Delta, American Airlines, Singapore Airlines, United all have credit cards that highlights themselves. The best benefit comes from using their credit cards on their own airlines. So, whats the problem if Asiana Airlines Visa credit card or the Korean Airlines credit card is similar?

Should you get the Asiana Airlines Visa credit card?  It was a no-brainer for me.  This credit card had to be part of my card portfolio.  The benefits outweigh the annual fee, so I got the card.  I plan on getting the Asiana Airlines Business Visa credit card in a few months.

 

Bottom Line

I love this card for the long term value it holds.  If I keep the card for 5 years, I pay $475 in annual fees and I will receive 70,000 bonus miles in total.  That’s more than the annual fee paid.  It doesn’t even factor the $100 rebates and lounge invitation certificates over 5 years!

The benefits outweigh the annual fee.  You are getting more for your annual fee.  Plus, if you decide not to fly with Asiana Airlines, you can fly with their partner airline alliances. Other people will say that you won’t be getting the “mileage” you deserve on your miles, pun intended, and they give you some fancy point conversion ratio saying the points are worth 1.3 or something like that.

Today, everyone knows that all of the hotel and airline credit card issuers have started to devalue their points and miles.  It takes more miles to fly in most cases.  In the end, credit card points and miles do not go further like they used to, due to the devaluation from all credit card issuers.  Therefore, all of those fancy point calculations are meaningless.  It’s just extra fluff to put on the website to make point earning seem technical.  In actuality, it requires 3rd grade math to figure it out.  Now, the main thing I look for in a credit card is the benefits, perks and returns.  Both of the Asiana Airlines Visa credit cards is excellent in that regard.  If you get both, you can’t be wrong, the cards complement each other.

The sign-up bonus is good from the Bank of America Asiana Airlines Visa credit card.  Just remember to spend at least $3,000 within 90 days of the credit card being opened. Since it is a credit card, you can pay monthly on the bill.  We don’t recommend paying only the minimum monthly payment since the credit card interest payments will be higher than the miles you earn from the card.  The points you earn won’t justify the interest you might be paying on the credit card.

 

Best Alternatives to the Asiana Airlines Visa Signature Credit Card?

 

How about the Korean Airlines VISA Select Signature Credit Card from US Bank?  If you are planning a trip to Korea, then this is another VISA credit you should consider.  If you are planning on a visit to Asia, both these cards are great.

 

 

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DISCLAIMER: The paragraphs above is my attempt at Korean English humor. I am a Korean-American, so I believe it is ok. If you don’t like it, then don’t read the paragraphs above. Too late, you already done it.