Frequently Asked Questions

Before applying

Q1
I do not have credit history in the U.S. Can I still apply for ANA CARD U.S.A.?
A1
Yes, please apply for the card. Our unique initial review process makes it possible for us to issue the card to those who have little or no credit history in the U.S. Please note that you may be asked to submit additional documents in those cases, and all applications are subject to approval.
Q2
Do I have to be a resident of the United States to apply for ANA CARD U.S.A. credit card?
A2
Yes.
Q3
I don't have a checking account in the U.S. Can I still apply?
A3
You can still apply for the card and to be approved even if you don't have a checking account at the time you apply. However, a U.S. checking account is required when making a payment.
Q4
Can I earn ANA mileage?
A4
Yes, you can earn 1 ANA Mileage Club Mile ("AMC Mile") for every $1 USD in qualifying credit card transactions.
Q5
Can I apply for the card without a Social Security Number?
A5
Yes, you may still apply for the card. You may register your Social Security Number after your application is approved to start building your credit history in the U.S.
Q6
Is it possible to add an authorized user after the application is approved?
A6
Yes, you may add an authorized user at any time free of charge.

Account Information

Q1
How do I change my address?
A1
You can change your address at card.fnbo.com anytime or please call us at 1-800-733-5558.
Q2
How do I add an authorized user?
A2
You can add an authorized user online at card.fnbo.com or by calling our customer service at 1-800-733-5558. A new card for your authorized user will arrive in 7 to 10 business days. Please keep in mind, any transaction made by the authorized user will appear on your billing statement.
Q3
Will I receive a separate statement for my authorized user?
A3
Unfortunately, no. All transactions by the primary and authorized user will appear on the same statement.
Q4
How do I close my ANA CARD U.S.A. account?
A4
Please have the primary member call our customer service at 1-800-733-5558. Your account will be closed immediately.
Q5
How do I increase my credit limit?
A5
The primary member must call our customer service at 1-800-733-5558, or submit a request through card.fnbo.com.

Using Your Card

Q1
How can I get a cash advance?
A1
You can get a cash advance at any ATM by using your 4-digit personal identification number (PIN). To set up your own personalized PIN via an automated system, please call 800-733-5558 or contact our customer service to have a pre-selected PIN mailed to you. Please allow up to 7 to 10 days to receive your PIN in the mail. As this is a very sensitive number, please do not write it down or carry it in your wallet.
You may also request a cash advance at any financial institution by showing a government issued ID.
Please note, fees and additional charges may apply when getting a cash advance. Please see our Summary of Credit Terms for more details.
Q2
How much is the cash advance fee?
A2
The greater of $15 or 5% of the transaction. Please see the Summary of Credit Terms for complete details.
Q3
If my card is declined when making a transaction, what should I do?
A3

Please check your account status by phone or online. If you have enough available credit, please call our customer service.

24hour automation service: 1-800-733-5558
Online access:
https://www.card.fnbo.com
Q4
Are there transaction fees imposed on foreign currency transactions?
A4
Yes, 3% transaction fee in U.S. dollars is assessed on foreign currency transactions. See the ANA CARD U.S.A. Summary of Credit Terms.
Q5
How do I request a replacement card?
A5
You may request a replacement card through your online account at card.fnbo.com or by calling our customer service at 1-800-733-5558. You will receive your replacement card within 7 to 10 business days.
Q6
If I think my bill is wrong or if I need more information about a transaction on my billing statement, what should I do?
A6

Please write to us at the address below or send a fax to the following number. Written notice must be received no later than 60 days after the statement was issued.

FAX: 1-402-938-7550
Address: FNBO
P.O. Box 3696 Omaha, NE 68103-0696
Dispute form: PDF | Word
Q7
How do I check my account status?
A7
Please call our automated phone system at 1-800-733-5558 or log in to your account at
https://www.card.fnbo.com
Q8
Can my ANA CARD U.S.A. be used to verify my identity with the Social Security Administration?
A8
We advise seeking an alternate form of validating your identity with the Social Security Administration than your ANA CARD U.S.A.. For data security purposes, your account number is encrypted when sent to the credit bureau. Because of this encryption, the Social Security Administration will be unable to verify your ANA CARD U.S.A. account number for personal authentication purposes.

Statement, Payment

Q1
If I see an unauthorized or unknown transaction, or unrecognized transaction, what should I do?
A1
Please refer to here.
Q2
I sent my payment by mail but it does not reflect on my statement. What should I do?
A2
If your payment has not posted on the account after 10 business days of mailing your check, please call our customer service to ensure we received your payment.
Q3
What do I do if I will be away from home on a long trip, how can I still receive my statements?
A3
Online account is the best way in the case that you are not in town. You may access all your statements and view your current balance online at card.fnbo.com from anywhere in the world.
Q4
Can I set up paperless statements?
A4
Yes, please submit your request online at card.fnbo.com.

Bonus Mile & Retail Transaction Mile

Q1
I heard that I can earn 5,000 bonus miles. How does this work?
A1
When you make your first qualifying purchase with ANA CARD U.S.A., you will receive 5,000 Bonus miles. Bonus miles will be appeared on your ANA Mileage Club Account the following month. See the Summary of Credit Terms for details.
Q2
Is there a limit to how many miles I can earn?
A2
There is no limit. You can earn 1 AMC Mile for each $1 USD in Qualifying Credit Card Transactions charged to your ANA CARD U.S.A. Visa® credit card account. Qualifying Credit Card Transactions shall mean purchases of goods or services made with your credit card while the account is in good standing by any authorized user of the account, net of any returns or credits. Qualifying Credit Card Transactions do not include cash advances, balance transfers, convenience checks, fees of any kind (including late fees, overlimit fees, annual fees, and finance charges), and other non-purchase transactions, or any Qualifying Credit Card Transactions made at a time when the account is not in good standing. See the Summary of Credit Terms for details.
Q3
When will my miles reflect on my mileage account?
A3
Mileage will be reflected by around the 23rd of the following month from the closing date on the statement. Shopping miles will be reflected on the primary member’s account. For example, if the closing date is March 3rd, the shopping miles will be reflected on the account by around April 23rd.
Q4
How do I exchange miles for rewards?
A4
Please contact ANA Mileage Club (1-800-235-9262) or visit the web site below.
https://www.ana.co.jp/en/us/amc/reference/tukau/