Asiana Credit Card Review: Benefits, Fees, and Rewards Explained

Asiana Airlines is one of the major airlines in South Korea, and their Asiana Credit Card is one of the best airline credit cards for frequent travelers to Asia.

Key Takeaways

  • The Asiana Credit Card is a great choice for frequent travelers to Asia who want to earn rewards on their purchases and enjoy a range of exclusive benefits and perks.
  • With its high rewards rate and range of benefits, this card is definitely worth considering for anyone who travels frequently to Asia.
  • While the card does come with a $99 annual fee, the rewards and benefits it offers can make it worth the cost for frequent travelers.

Card Overview

Card Issuer

The Asiana Airlines Visa Signature Credit Card is issued by Bank of America.

Card Type

This credit card is an airline rewards card that allows you to earn Asiana Club miles for every dollar you spend. It is designed for those who frequently travel to Asia or fly with Asiana Airlines.

The Asiana Airlines Visa Signature Credit Card offers a sign-up bonus of 30,000 miles after you make $3,000 in purchases within the first 90 days of account opening. Cardholders earn 3 miles for every dollar spent on Asiana Airlines purchases and 2 miles for every dollar spent on gas and grocery store purchases. All other purchases earn 1 mile per dollar spent.

The card has an annual fee of $99 and an APR ranging from 15.99% to 22.99%, depending on your creditworthiness. The card does not offer any baggage or boarding benefits, but it does provide access to Visa Signature benefits, including travel and purchase protections.

Overall, the Asiana Airlines Visa Signature Credit Card is a good option for frequent travelers to Asia or those who fly with Asiana Airlines. The card offers generous rewards for Asiana Airlines purchases and gas and grocery store purchases, and the sign-up bonus is a nice perk. However, the annual fee is higher than some other airline rewards cards, and the APR is also on the high side.

Key Features

Reward Points

The Asiana Airlines Credit Card offers a rewards program that allows cardholders to earn Asiana Club Miles for every dollar spent on purchases. Cardholders earn 3 miles per dollar spent on Asiana Airlines purchases, 2 miles per dollar spent on gas and grocery purchases, and 1 mile per dollar spent on all other purchases. Asiana Club Miles can be redeemed for flights, upgrades, and other travel-related expenses.

Bonus Offers

The Asiana Airlines Credit Card offers a sign-up bonus of 30,000 Asiana Club Miles after spending $3,000 on purchases within the first 90 days of account opening. Additionally, cardholders can earn 10,000 bonus miles each year they spend $30,000 or more on their card.

Annual Fee

The Asiana Airlines Credit Card has an annual fee of $99. However, the card offers a 10,000-mile annual bonus that can help offset the cost of the annual fee.

Overall, the Asiana Airlines Credit Card offers a solid rewards program and bonus offers for frequent Asiana Airlines travelers. However, the card’s high annual fee may not be worth it for those who do not travel with Asiana Airlines frequently.

Benefits and Perks

Asiana Airlines Visa Signature Credit Card offers a variety of benefits and perks to its cardholders. In this section, I will discuss the travel and shopping benefits of the card.

Travel Benefits

The Asiana Airlines Visa Signature Credit Card provides access to several travel benefits, including:

  • Complimentary checked bags – Cardholders and up to three companions on the same reservation receive one free checked bag per person for Asiana Airlines flights.
  • Priority boarding – Cardholders and up to three companions on the same reservation receive priority boarding for Asiana Airlines flights.
  • Lounge access – Cardholders receive two Asiana Lounge invitations per year.
  • Discount on Asiana Airlines tickets – Cardholders receive a 10% discount on Asiana Airlines tickets.

Shopping Benefits

The Asiana Airlines Visa Signature Credit Card offers several shopping benefits, including:

  • Bonus miles for category spending – Cardholders earn 2 Asiana miles per dollar spent on gas and grocery purchases, and 1 Asiana mile per dollar spent on all other purchases.
  • Extended warranty – Cardholders receive an additional year of warranty coverage on eligible purchases.
  • Price protection – If a cardholder finds a lower price on a purchased item within 60 days, the cardholder may be eligible for a refund of the price difference.
  • Purchase security – Cardholders are protected against theft or damage for eligible purchases made with the card for 90 days from the date of purchase.

Overall, the Asiana Airlines Visa Signature Credit Card provides a variety of benefits and perks for travelers and shoppers alike.

Interest Rates and Fees

As with any credit card, it’s important to consider the interest rates and fees associated with the Asiana Airlines Visa Signature Credit Card. Here are some key points to keep in mind:

APR

The regular purchase APR for this card ranges from 15.99% to 23.99% variable based on creditworthiness and the Prime Rate. The same APR applies to balance transfers. It’s worth noting that the card does offer a 0% introductory APR on purchases for the first 15 billing cycles, which can be helpful if you need to make a large purchase and want to pay it off over time without accruing interest.

Foreign Transaction Fee

If you plan on using your Asiana Airlines Visa Signature Credit Card while traveling abroad, keep in mind that there is a foreign transaction fee of 3% of the U.S. dollar amount of each transaction. This fee can add up quickly if you’re using your card frequently while traveling, so it’s something to keep in mind when deciding whether or not to use this card overseas.

Late Payment Fee

If you miss a payment or make a payment after the due date, you’ll be hit with a late payment fee of up to $40. It’s important to make your payments on time to avoid this fee and any potential damage to your credit score.

Overall, while the Asiana Airlines Visa Signature Credit Card does come with a $99 annual fee and relatively high interest rates, it does offer some valuable benefits for frequent travelers with Asiana Airlines. Just be sure to keep the interest rates and fees in mind when deciding whether or not this card is right for you.

Application Process

To apply for the Asiana Airlines Visa Signature Credit Card, I visited the Bank of America website and filled out an online application. The application process was straightforward and easy to complete. I provided my personal information, including my name, address, and Social Security number, as well as my employment and income details.

After submitting my application, I received a response within a few minutes. Bank of America informed me that my application was under review and that I would receive a decision within 7-10 business days.

Once my application was approved, I received my Asiana Airlines Visa Signature Credit Card in the mail within a week. The card came with instructions on how to activate it and set up my online account.

Overall, I found the application process for the Asiana Airlines Visa Signature Credit Card to be quick and easy. Bank of America provided clear instructions and communicated with me throughout the process, which made it a hassle-free experience.

Customer Service

In my experience, the customer service for the Asiana Airlines credit card has been satisfactory. Bank of America, the issuer of the card, has a 24/7 customer service line that I have found to be helpful and responsive. They are able to assist with a variety of issues, including account management, rewards redemption, and fraud prevention.

Additionally, Bank of America offers a mobile app that allows customers to manage their account on-the-go. This app includes features such as account balance and transaction history, payment scheduling, and the ability to dispute charges.

One potential downside to the customer service is that there have been reports of long wait times when calling the customer service line. However, I have not personally experienced this issue.

Overall, while the customer service may not be exceptional, it has been sufficient for my needs and I feel confident in the support provided by Bank of America.

Pros and Cons

Advantages

As a frequent traveler to Asia, I have found the Asiana Airlines Visa Signature Credit Card to be a great option for earning rewards and receiving valuable perks. Here are some of the advantages of this card:

  • Bonus miles: The Asiana credit card offers a generous sign-up bonus of 30,000 miles after spending $3,000 within the first three months of opening the account. This is a great way to earn a significant amount of miles quickly.
  • Miles earning rate: The Asiana credit card earns 3 miles per dollar spent on Asiana Airlines purchases and 2 miles per dollar spent on gas and grocery purchases. This is a great earning rate for those who frequently travel on Asiana Airlines.
  • Annual rebate: Cardholders receive a $100 rebate on their Asiana Airlines ticket purchase each year. This can help offset the annual fee of the card.
  • No foreign transaction fees: The Asiana credit card does not charge foreign transaction fees. This is a great perk for those who travel internationally.

Disadvantages

While the Asiana Airlines Visa Signature Credit Card offers many valuable perks, there are also some drawbacks to consider:

  • Annual fee: The Asiana credit card has an annual fee of $99. This fee may be offset by the annual rebate, but it is still a cost to consider.
  • Limited redemption options: Asiana miles can only be redeemed for Asiana Airlines flights or partner airlines. This may be limiting for those who prefer more flexible redemption options.
  • High APR: The Asiana credit card has a high variable APR that ranges from 17.49% to 25.49%. This may not be the best card for those who carry a balance.

Overall, the Asiana Airlines Visa Signature Credit Card offers many valuable perks for frequent travelers to Asia. However, the annual fee and limited redemption options may not be suitable for everyone.

Comparisons with Other Cards

When comparing the Asiana Airlines Credit Card with other cards, it’s important to consider the rewards, fees, and benefits that each card offers. Here are some key comparisons to keep in mind:

  • Chase Sapphire Preferred Card: This card offers a sign-up bonus of 100,000 points, which can be redeemed for $1,250 in travel through Chase Ultimate Rewards. It also offers 2x points on dining and travel, and 1x point on all other purchases. However, it has an annual fee of $95.
  • Capital One Venture Rewards Credit Card: This card offers a sign-up bonus of 100,000 miles, which can be redeemed for $1,000 in travel. It also offers 2x miles on all purchases, and has no foreign transaction fees. However, it has an annual fee of $95.
  • Citi Premier Card: This card offers a sign-up bonus of 80,000 points, which can be redeemed for $800 in gift cards or $1,000 in airfare through the ThankYou Rewards program. It also offers 3x points on travel, including gas stations, 2x points on dining and entertainment, and 1x point on all other purchases. However, it has an annual fee of $95.

Compared to these cards, the Asiana Airlines Credit Card has a lower sign-up bonus and fewer bonus categories for earning rewards. However, it does offer a lower annual fee of $99, and has no foreign transaction fees. Additionally, it offers unique benefits for Asiana Airlines customers, such as bonus miles for booking flights and discounts on in-flight purchases. Ultimately, the best card for you will depend on your individual spending habits and travel preferences.

 

I recently got the Asiana credit card and I have to say, I’m quite impressed with the benefits it offers. As someone who loves to travel, I was drawn to this card because of its rewards program and the fact that it’s affiliated with Asiana Airlines.

One of the perks of this card is the sign-up bonus. When I signed up, I received a generous amount of miles that I could use towards future flights. Additionally, I earn miles for every dollar I spend, which adds up quickly. The more I use my card, the more miles I accumulate, which means I can travel more often without having to worry about the cost of flights.

Another benefit of the Asiana credit card is the access to airport lounges. As someone who travels frequently, I appreciate having a comfortable place to wait for my flight. With this card, I have access to lounges in airports all over the world, which makes traveling much more enjoyable.

Who Should Apply

If you are a frequent traveler who often flies with Asiana Airlines, the Asiana Airlines Visa Signature Credit Card may be a good fit for you. This card offers a decent rewards program with the potential to earn a lot of miles, especially if you spend a lot on travel and dining.

The card also comes with some great perks, like two complimentary lounge invitations each year of membership, which can be a nice bonus for those who frequently travel.

However, if you don’t fly with Asiana Airlines often or if you don’t spend a lot on travel and dining, this card may not be the best fit for you. Additionally, if you are looking for a card with more flexible rewards that can be redeemed with a variety of airlines, you may want to consider other options.

Overall, the Asiana Airlines Visa Signature Credit Card is a good choice for those who are loyal to Asiana Airlines and want to earn rewards for their spending.

 

 

 

Frequently Asked Questions

What are the benefits of the Asiana Airlines Visa credit card?

The Asiana Airlines Visa credit card offers various benefits such as earning 3 miles per dollar spent on Asiana Airlines purchases, 2 miles per dollar spent on gas and grocery store purchases, and 1 mile per dollar spent on all other purchases. Additionally, cardholders can earn a bonus of 30,000 miles after making $3,000 in purchases within the first 90 days of opening an account. The card also comes with a $100 annual statement credit for qualifying Asiana Airlines purchases, and a 10,000 bonus miles certificate each year upon account renewal.

How do I log in to my Bank of America Asiana credit card account?

To log in to your Bank of America Asiana credit card account, go to the Bank of America website and click on the “Sign In” button in the top right corner. Enter your username and password and click “Sign In” to access your account.