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Asiana Airlines Credit Card: Strong Perks and Rewards on Flights

Asiana Airlines Credit Card
Asiana Airlines Credit Card

Asiana Airlines Credit Card: Strong Perks and Rewards on Flights

The $100 annual rebate on Asiana Airlines Flights, along with the 10,000 mile certificate make this card a great bargain for those who travel with this airline.
Editor's Rating: 4.0/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.0/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

We find the Asiana Airlines credit card from Bank of America to be a great deal for people who travel with the airline at least once a year. The $100 annual rebate on Asiana flights, and 10,000 Mile Certificate alone give the card an annual value of $200 - more than covering the $99 annual fee. The miles you earn through the card can be used to book travel with Asiana Airlines, or one of its many Star Alliance partners. However, if you are a frequent customer of these other airlines, you should consider their own airline credit cards, in order to enjoy speciality perks such as priority boarding and free checked baggage.

Good For…Bad For…
  • Anyone who travels at least once per year using Asiana Airlines
  • Ability to book travel with Star Alliance Partners
  • Those who don't live next to the 9 major airports in the US that Asiana operates
  • Spending overseas

Review: Is the Asiana Airlines Credit Card Worthwhile?

If you travel at least once per year with Asiana Airlines, the Asiana Airlines Credit Card is hands down the best deal you can get. Between the $100 rebate on Asiana tickets, and the 10,000 mile certificate you receive every year, the card becomes well worth its $99 annual fee. You will receive a 4.2% rewards rate on Asiana Airlines purchases (the airline serves 100+ airports worldwide), and a generous 2.8% rate on gas and grocery purchases as well, based on our valuation.

A graph showing the number of airports with Asiana Airlines service.

The miles earned through this card can be used to book award travel with either Asiana Airlines, or one of 26 other airlines belonging to the "Star Alliance" - the largest airline alliance in the world. This can compensate for the fact that you will not be able to travel to certain destinations with Asiana alone.

U.S. Airports with Asiana Airlines Service

Chicago O'Hare International Airport

John F. Kennedy International AirportSan Francisco International Airport

Dallas/Fort Worth International Airport

Los Angeles International AirportSeattle-Tacoma International Airport

Honolulu International Airport

Miami International AirportTed Stevens Anchorage International Airport

There are several downsides to getting this card, if you don't specifically travel with Asiana Airlines. The $100 rebate and 10,000 mile certificate can only be applied towards Asiana Airlines - not any of the Star Alliance members. Another downside of using the miles earned through this card to travel with other airlines, is that you will be missing out on interesting perks and loyalty benefits. For example, many travel cards offer a free checked bag for you and a travelling companion. If you sign up for the Asiana Airlines credit card, and travel on other airlines using the miles you earn, you will not have access to these types of perks.

The fact that the Asiana Airlines credit card comes with a 1% foreign transaction fee may be frustrating most cardholders. As the airline is predominantly used for travel to Asia, it is probable that you might want to use the card outside of the United States. Doing so, however, will devalue your rewards rate by 1%. While this is lower than the typical 3% foreign transaction fee, we recommend instead using a card that doesn't charge it at all (here are our favorite 'No FX' fee cards).

Bottom Line: For those who travel with Asiana Airlines at least once per year, this credit card is well worth the $99 annual fee. Even if the airline does not fly your particular route, you may be able to book a flight through one of the other 26 Star Alliance airlines. If, however, you consistently fly with other airlines (even Star Alliance) we recommend looking through card offers specifically affiliated with it.

Asiana Airlines American Express® Card from Bank of America Benefits & Features

The Asiana credit card from Bank of America earns users miles that can be used to pay for travel, seat upgrades, and baggage fees with Asiana Airlines. Cardholders earn 3 miles per $1 on Asiana Airlines purchases, 2 miles per $1 on gas and grocery purchases, and 1 mile per $1 everywhere else. We estimate a single Asiana mile to be worth around $0.014. That means the rewards rate from the Asiana credit card is anywhere between 1.4% to 4.2%.

You may not earn more than 200,000 miles within a single year. While inconvenient, this cap should not be a problem for most consumers. We calculate that unless you charge roughly more than $66,667 annually on this card, you will not come anywhere near the cap.

Asiana Airlines Credit Card

  • And every year, you'll get: 2 Asiana Airlines lounge invitations, A 10,000 bonus Miles certificate, A $100 automatic rebate on Asiana Airlines tickets
  • And every year, you'll get: 2 Asiana Airlines lounge invitations, A 10,000 bonus Miles certificate, A $100 automatic rebate on Asiana Airlines tickets
Annual Fee
$99
Regular APR
14.24%
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
N/A
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

The information related to the Asiana Airlines Credit Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

After you make your first purchase with the Asiana Airlines credit card, you will receive 10,000 bonus miles – a value of roughly $140. This 10,000 miles isn’t quite enough to get you a free flight with the airline, but it’s enough to get you about 30% of the way towards a free flight to parts of Latin America. For those wondering, this bonus does not count towards the 200,000 mile annual cap. After your first year, you will continue to receive a 10,000-mile certificate annually. With this benefit’s estimated value, as long as you find ways to redeem those miles, this card’s annual fee will pay for itself. The terms of service for this credit card do not indicate that this bonus certificate expires. Therefore, there is no pressing need to redeem these points in the same year they are issued.

Annual Benefits: Lounge Access, $100 Rebate on Asiana Airlines Tickets, and 10k Mile Certificate

Being an Asiana Airlines cardholder comes with a slew of loyalty benefits that more than make-up for the annual fee you pay. Firstly, every cardmember year, Asiana credit card users receive a $100 rebate towards Asiana Airline ticket purchases. This benefit will not stack year after year. That means if you don’t use the rebate one year, it doesn’t mean that you will have a $200 rebate the following year. On top of this, every year you remain a member, you will be issued a 10,000 mile certificate for Asiana Airlines - redeemable only for Asiana Airlines tickets (not any of the Star Alliance partners). Combined, these benefits come out to a $200 value annually.

Every year, you will also receive two invitations to Asiana Airlines lounges - though it's fairly restrictive. You receive access to U.S. lounges only, and there are no available statistics on how many of these lounges there are in the country, or what amenities they provide. Secondly, you may not bring a guest with you. The invitation is only valid for the cardmember.

Star Alliance

Asiana miles (aside from the annual certificate) get a large boost in utility because they can be used to book travel with any one of 26 Star Alliance airlines. The table below shows all the current alliance members.

Star Alliance Partners

Adria AirwayAir New ZealandBrussels AirlinesEVA Air

Aegean AirlinesANACopa AirlinesLOT Polish Airlines

Air CanadaAsiana AirlinesCroatia AirlinesLufthansa

Air ChinaAustrian AirlinesEGYPTAIRScandinavian Airlines

Air IndiaAviancaEthiopian AirlinesShenzhen Airlines

TAP PortugalSWISS AIRSouth African AirwaysSingapore Airlines

THAI AirlinesTurkish AirlinesUnited Airlines

In addition to this, Asiana Airline miles can be used to book award travel with two partner airlines: Qatar Airways and Ethihad Airways.

How Does the Asiana Airlines Credit Card Compare to Other Credit Cards?

In order to determine the value of the Asiana Airlines Credit Card, you must know how it stacks up against other similar offers.

Asiana Airlines Credit Card vs Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card - one of our favorite travel credit cards - sacrifices rewards rate for flexibility. While the most you'll get out of this card is a 2.5% rewards rate (2 points per dollar multiplied by the 1.25 bonus when redeeming for travel on the Chase portal), compared to the 2.8%-4.2% max on the Asiana card, you have the option to directly transfer your rewards points to other airline and hotel programs. While Asiana miles can book travel with Star Alliance partners, points earned through the Chase Sapphire Preferred® Card can be transferred to airlines that belong to all 3 major airline alliances - Star Alliance, SkyTeam, and Oneworld. On top of that, you also have the ability to use the points to book hotel stays with brands such as Hilton and IHG. If this breadth of options appeals to you over raw value, we strongly recommend the Chase Sapphire Preferred® Card.

Asiana Airlines Card vs Korean Air SKYPASS Visa Signature Credit Card

Korean Air, the other major airline of South Korea, also has its own brand of credit cards called SKYPASS; the Korean Air SKYPASS Visa Signature Credit Card is its flagship product. While the Korean Air credit card doesn't offer rewards rates quite as good as that of the Asiana Airlines Credit Card, its affiliated airline does fly to more locations and airports. This greater number of airports, however, is where the advantages of the Korean Air SKYPASS Visa Signature Credit Card program end. The Korean Air credit card doesn't offer any good long-term rewards that make paying its $80 annual fee worthwhile.

A graph showing the difference between the number of airports serviced by Korean Air vs Asiana Airlines

If you find that an airport you want to fly to is not serviced by Asiana Airlines, you may always fall back on flying through one of the other Star Alliance airlines.

Comparison Tool

If you are still not convinced how the Asiana Airlines credit card fits into your budget, or how it can compare against other card offers, you may utilize our tool below to get a customized answer. By entering your monthly budget, our tool calculates the estimated annual rewards you can expect out of the card's listed - allowing you to compare across different options for your specific case.

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Comments and Questions

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Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).