Reviews Bank of America Asiana Airlines American Express card review
Bank of America Asiana Airlines American Express card review

Bank of America Asiana Airlines American Express card review

Published: March 16, 2017
Ratings Policy
Airline Rating:
3.8 rating
3.8 rating
3.8 / 5
Rewards Value: 3.2
Annual Percentage Rate: 4.4
Rewards Flexibility: 4.1
Flight Options: 4.8
Features: 5.0

In a nutshell:

The Asiana Airlines American Express card is a great mile-earning supplement for people who frequently fly Asiana flyers, but if Asiana is not your preferred airline, you can do better.

Rewards Rate

  • 3:1 on Asiana Airline purchases
  • 2:1 gas and groceries
  • 1:1 general purchases

Sign-up Bonus
30,000 miles if you spend $3,000 in first 90 days

Annual Bonus
10,000 bonus mile certificate

Annual Fee
$99

Average Yearly Rewards Value ($1,325 monthly spend)
$420

APR
12.74-19.74%

Rewards Redemption
Pros

  • No blackout dates
  • Large number of partner airlines
  • One-way tickets permitted
  • Open-jaw itineraries permitted with extra miles
  • One stopover allowed per one-way trip
  • No phone booking fee

Cons

  • Miles expire in 10-12 years
  • Moderate fuel surcharges on some Asiana flights

Flight Options

  • Number of airline partners: 26
  • Number of daily flights: 18,043
  • Number of destinations: 1,330
  • Number of countries served: 192

Other Notable Features: $100 annual rebate on Asiana Airlines ticket, 2 Asiana lounge passes per year, no foreign transaction fee, retail protection coverage, overdraft protection, emergency assistance service, car rental loss and damage insurance, concierge service, identity-theft recovery unit

Rewards Rating:
4.2 rating
4.2 rating
4.2 / 5
Rewards Value: 4.0
Annual Percentage Rate: 3.6
Rewards Flexibility: 4.2
Features: 5.0

In a nutshell:

One of the few airline cards to offer a bonus on everyday purchases and a reasonable APR for all cardholders, the Asiana Airlines American Express card is a good value for regular visitors to South Korea.

Rewards Rate

  • 3:1 on Asiana Airline purchases
  • 2:1 gas and groceries
  • 1:1 general purchases

Sign-up Bonus

  • 30,000 miles if you spend $3,000 in first 90 days
  • 10,000 annual bonus miles certificate

Annual Fee
$99

Average Yearly Rewards Value ($1,325 monthly spend)
$420

APR
12.74-19.74%

Rewards Redemption
Pros

  • No blackout dates
  • Large number of partner airlines
  • One-way tickets permitted
  • Open-jaw itineraries permitted with extra miles
  • One stopover allowed per one-way trip
  • No phone booking fee

Cons

  • Miles expire in 10-12 years
  • Moderate fuel surcharges on some Asiana flights

Other Notable Features: $100 annual rebate on Asiana Airlines ticket, 2 Asiana lounge passes per year, no foreign transaction fee, retail protection coverage, overdraft protection, emergency assistance service, car rental loss and damage insurance, concierge service, identity-theft recovery unit

Travel Rating:
4.1 rating
4.1 rating
4.1 / 5
Rewards Value: 3.8
Annual Percentage Rate: 3.6
Rewards Flexibility: 4.2
Features: 5.0

In a nutshell:

An ideal card for aspiring travelers to Asia and South Korea, the Asiana Airlines American Express card lets cardholders easily boost their rewards earnings by awarding two miles for every dollar spent on gas and grocery purchases.

Rewards Rate

  • 3:1 on Asiana Airline purchases
  • 2:1 gas and groceries
  • 1:1 general purchases

Sign-up Bonus

  • 30,000 miles if you spend $3,000 in first 90 days
  • 10,000 annual bonus miles certificate

Annual Fee
$99

Average Yearly Rewards Value ($1,325 monthly spend)
$420

APR
12.74-19.74%

Rewards Redemption
Pros

  • No blackout dates
  • Large number of partner airlines
  • One-way tickets permitted
  • Open-jaw itineraries permitted with extra miles
  • One stopover allowed per one-way trip
  • No phone booking fee

Cons

  • Miles expire in 10-12 years
  • Moderate fuel surcharges on some Asiana flights

Other Notable Features: $100 annual rebate on Asiana Airlines ticket, 2 Asiana lounge passes per year, no foreign transaction fee, retail protection coverage, overdraft protection, emergency assistance service, car rental loss and damage insurance, concierge service, identity-theft recovery unit

The Asiana Airlines American Express card offers an above-average mile-earning scheme and a few other benefits worthy of your consideration. In addition, Asiana Airlines is a member of Star Alliance, which means you can use Asiana Club miles to fly on nearly 30 airlines anywhere in the world.

However, the sign-up bonus is a bit low for a $99 annual fee card, and the benefits mostly relate to Asiana flights. So if you are not a devoted Asiana flier, you’ll probably be better off with other airline cards.

Moderate sign-up bonus

You get 30,000 Asiana Club miles if you spend $3,000 in the first 90 days of opening an account. This is on par with many airline co-branded cards, which offer sign-up bonuses of 20,000 miles or more.

The card also rewards loyal cardholders for their ongoing membership. You receive a 10,000 mileage discount coupon every year for as long as you carry the card.

Excellent earning scheme

The Asiana Airlines card comes with one of the best earning schemes among airline cards. You get 3 miles for every dollar you spend on Asiana Airlines purchases, 2 miles per dollar on gas and groceries, and 1 mile for everything else. Gas and groceries are two very lucrative earning categories. Offering twice the miles on these types of purchases should enable most cardholders to build up a large amount of miles simply from using the card on an everyday basis.

Fair award rates and good availability

Asiana Club offers good rates and excellent availability on flights between the U.S. and Asia. Thanks to Asiana’s partnership with 26 Star Alliance airlines, Asiana miles not only get you to Korea and surrounding countries, but can be redeemed for rewards tickets to most major destinations, with excellent coverage around the globe. On the downside, flights with partner airlines can’t be booked through Asiana’s website. Instead, you have to call a reservations agent. But at least there’s no fee for phone reservations.

Asiana does add fuel surcharges to its award flights originating outside Korea, but they are relatively low  – around $200 per round-trip flight between the U.S. and Korea.

Good airline perks

The card comes with a few good airline perks. The most valuable of these is the $100 annual rebate, which you receive after purchasing an Asiana Airlines ticket. The rebate will be credited to your credit card account within one to two billing cycles after the transaction.

You also receive two Asiana lounge passes at U.S. airports annually in the month of your anniversary date.

Reasons to get it:

  • You frequently fly on Asiana Airlines
  • You value the lounge passes.
  • You don’t care about the annual fee, because the $100 rebate cancels it out after the first flight.

How to use it:

  • Pay for your flights with the Asiana Airlines American Express card to make sure you maximize the earnings and get the $100 rebate.
  • Use your card to buy gas and groceries so that you can take advantage of double miles.
  • Avoid redeeming Asiana Club miles on airlines with heavy fuel surcharges (such as most European airlines, including British Airways, Lufthansa and others) for transoceanic travel.

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