Credit Cards

The Credit Card You DON’T Want

JAL Credit card
Written by Charlie

There are a ton of credit cards out there and many of them are so good it is at times hard to pick what to apply for next! Yesterday, I wrote about my idea of a perfect credit card which draws from some current credit card perks and adds others. If a credit card company ever issued a card like that, I would jump on it right away! No question!

However, this is a credit card that is very easy to pass up. In short, this is a credit card you don’t want. Let’s look at it and see how it measures up :).

JAL Credit card

A Credit Card You Don’t Want

This prize goes to the JAL USA card. This is the USA credit card for Japan Airlines. I wrote about them last year when they were offering the huge sign-up bonus of … a calendar! This time, they have “sweetened” the offering a bit by giving the consumer a choice of three separate offerings to choose from. The one that comes with the most points only offers 4,000 points – and it brings a $20 annual fee and a $50 annual reward program fee!

JAL credit card

What do you get with those 4,000 points? It isn’t even enough for a round-trip ticket! How’s that for a “great” credit card bonus? 🙂 Thankfully, this offer ends tomorrow so we may end up having another chance to get a calendar or a coaster soon…

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About the author


Charlie has been an avid traveler and runner for many years. He has run in marathons around the world for less than it would cost to travel to the next town - all as a result of collecting and using miles and points. Over the years, he has flown hundreds of thousands of miles and collected millions of miles and points.
Now he uses this experience and knowledge to help others through Running with Miles.


  • If you think that’s bad, I suggest you take a look at some of the sub prime cards first premier offers. Massive annual fees, no rewards program, APR of $36 and hit you with a hard pull whenever possible.