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FAQ

Before Applying

Q1: I do not have credit history in the U.S. Can I still apply for the card?

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 the card?

A2: Yes.

Q3: I don’t have a checking account in the U.S. Can I still apply?

A3: You can still apply and be approved for the card even if you don’t currently have a checking account. However, a U.S. bank account is required to make payments.

Q4: Can I earn ANA mileage?

A4: Yes, you earn 1 mile for every $1 USD spent on all purchases. With the ANA CARD U.S.A. Plus, you earn double miles (2 miles per $1 USD) on eligible ANA purchases.
Please see the Summary of Credit Terms for more details on ANA CARD U.S.A.
Please see the Summary of Credit Terms for more details on ANA CARD U.S.A. Plus.

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: I have ANA CARD U.S.A. that I applied for before February 25, 2025. Will it automatically switch to the new card that launched on February 25, 2025?

A6: No, your card will not be switched automatically. If you wish to receive the benefits of the new card that launched on February 25, 2025, you will need to apply from here. Please note that applying for the new card will not automatically cancel your current card. If you wish to cancel, please contact our service center by phone.

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. Transactions are not identifiable by the cardholder or authorized user and will appear on the same statement.

Q3: How do I close my card?

A3: Please have the primary member call our customer service at 1-800-733-5558. Your account will be closed immediately.

Q4: How do I increase my credit limit?

A4: The primary member can call our customer service at 1-800-733-5558, or submit a request through card.fnbo.com.

Using Your Card

Q1: Is there a foreign transaction fee for purchases made in currencies other than U.S. dollars?

A1: Cards applied for before February 25, 2025 (PST) will be subject to a 3% foreign transaction fee. Please see the Summary of Credit Terms for more details on ANA CARD U.S.A.
Cards applied for on or after February 25, 2025 (PST) will not be subject to a foreign transaction fee. Please see the Summary of Credit Terms for more details on ANA CARD U.S.A. Plus.

Q2: How can I get a cash advance?

A2: 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 the Summary of Credit Terms for more details.

Q3: How much is the cash advance fee?

A3: The greater of $15 or 5% of the transaction. Please see the Summary of Credit Terms for complete details.

Q4: If my card is declined when making a transaction, what should I do?

A4: Please check your account status by phone or online. If you have enough available credit, please call our customer service.
24-hour automation service: 1-800-733-5558
Online access: https://www.card.fnbo.com/

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.

Statement/Payment

Q1: I sent my payment by mail but it does not reflect on my statement. What should I do?

A1: 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.

Q2: What do I do if I will be away from home on a long trip, how can I still receive my statements?

A2: 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.

Q3: Can I set up paperless statements?

A3: Yes, please submit your request online at card.fnbo.com.

Shopping Miles/Bonus Miles

Q1: I heard that I can earn 5,000 bonus miles. How does this work?

A1: When you make your first qualifying purchase with your card, 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 on the number of miles you can earn by using your ANA CARD U.S.A. You earn 1 mile for every $1 USD spent on all purchases. With the ANA CARD U.S.A. Plus, you earn double miles (2 miles per $1 USD) on eligible ANA purchases.
Please see the Summary of Credit Terms for details of ANA CARD U.S.A.
Please see the Summary of Credit Terms for details of ANA CARD U.S.A. Plus.

Q3: When will my shopping miles reflect on my mileage account?

A3: Shopping miles will be reflected in the primary cardholder’s ANA Mileage Club Account by around the 23rd of the following month after the statement’s closing date.
Example: Shopping miles will be reflected on the account by around April 23rd for the statement closed on March 3rd.

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/