FAQ | JAL USA CARD

Can I apply for a card without credit history in the U.S.?

Yes. We verify the length of time of employment with the sponsoring company, earnings in home country, as well as, U.S. income and we obtain current contact address in home country and/or the U.S. Therefore, when applying for this card, please provide related information from your home country. Please note, you may be asked to submit additional documents, and not all requests for credit will be approved.

After I apply, how long does it take to receive my JAL USA CARD?

It takes approximately one month. It may vary depending on submission of additional documents, therefore, please plan accordingly. Upon approval, you will receive your card along with a complete Welcome Kit and card member agreement explaining the features, benefits, and details pertaining to the use of your JAL USA CARD.

I don't have a Social Security Number yet. Can I apply for a card?

You can apply if you are not allowed to have a Social Security Number due to your visa status. We may request substitute documents such as a copy of your passport or visa, or address verification.

Can a card be mailed to my work address?

Yes. A card can be sent to your work address if you are able to receive it. However, if you applied for your card from Japan, the relocation date must be fixed when applying

I live in Mexico (or Canada). Can I apply for a JAL USA CARD?

No, you can not. The cardholder must be a US resident.

How do I get an application form?

We currently accept applications via online only. Please click here to apply.

What is a MasterCard Business Card?

The MasterCard Business Card is a high-status card that was designed for small business owners and provides a number of powerful benefits.

When will my shopping and double miles be posted to my JAL mileage bank account?

Shopping mile will be posted by 20th of the following month when a statement is closed.

Example：Mileage accumulation for a statement closed on May 15
→Shopping mile will be posted by June 20.
(Posted date will be the statement closing date.)
Please call JMB Center 1-800-525-3663 for mileage reimbursement and all inquiries other than shopping miles.

When will my 5000 first flight bonus miles and 10% sector miles be posted to my JAL mileage bank account?

10% sector miles will be posted 4 to 5 days after you complete your flight. 5000 first flight bonus miles will be posted by middle of the month following the completion of your flight.

I have informed my new address and/or JMB number to JMB Center. Will the information automatically updated for JAL USA CARD?

No. Since update procedures are done separately, please contact service center.

How can I change my rewards?

Please submit your change request using the JAL USA CARD Rewards Change Form.

Are there any fees or interest for a cash advance?

A cash advance fee will be the greater of $15.00 or 5% of the transaction. For additional information about Annual Percentage Rates (APRs), fees, and costs, see the Summary of Credit Terms.

I entered the wrong PIN during a cash advance transaction and since then my card has been blocked. What should I do?

Your card is blocked automatically if you press the wrong PIN three times. Please contact service center to unblock your card. If you forgot your PIN, please set up your new PIN on online account or the automated system (1-855-578-8703).

Can I use my JAL USA CARD outside of the US?

You can use your JAL USA CARD at MasterCard merchants all over the world. Some merchants do not accept cards issued outside their country.
For additional information about Annual Percentage Rates (APRs), fees, and costs, see the Summary of Credit Terms.

When I use my JAL USA CARD, will my US credit history be affected?

Your payment performance will be reported to credit bureaus so that you can build US credit history. This is not applicable if you have not registered a social security number.

After receiving your social security number and if you have not registered yet, you can register it by following the process at the link below. Please send a copy of your social security card with your sigunature on it.

Online
https://www.site.jalusacardsupport.com/inquiry

*Please refrain from sending via email to protect personal infromation.

Are transactions identifiable by the cardholder or authorized user?

No. Transactions are not identifiable by the cardholder or authorized user because it is listed as a single account and all transactions appear on the same statement.

Can my JAL USA CARD be used to verify my identity with the Social Security Administration?

We advise seeking an alternate form of validating your identity with the Social Security Administration than your JAL USA CARD. 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 JAL USA CARD account number for personal authentication purposes.

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

Cards applied for and issued before October 14, 2024 (PST) will be subject to a 3% foreign transaction fee. Cards applied for and issued on or after October 15, 2024 (PST) will not be subject to a foreign transaction fee. Please see the Summary of Credit Terms for more details on JAL USA CARD.

My balance reached my credit limit before the statement closing date and I presently have no available credit line. What should I do?

You may make a payment before the closing date. Once the payment is posted, your available credit will be restored to your credit limit. Please visit online account access to make an online payment.

My payment has not been processed, however it has been some time since I mailed a check. What should I do?

If you mailed your payment, it usually takes approximately 4-5 business days to post. Please wait 10 business days and if your payment has still not posted, the payment may be lost, and therefore please call service center.

When is my statement closing date?

Every account has a different set statement closing date. Your statement is mailed the following business day after the statement closing date. Please contact service center to inquire on your closing date. You can check your statements online account as well.

What is "Minimum Payment Due" on my statement?

The "Minimum Payment Due" is the minimum amount you should pay by the end of the due date. If you do not pay this amount, your account status will be changed to "Past Due" and a Late Fee will be charged to your account. The Late Fee will be charged up to $40.
For additional information about Annual Percentage Rates (APRs), fees, and costs, see the Summary of Credit Terms.

How can I make a payment?

You can pay through your online account or by phone by calling service center.

The sum of my current balance and available credit is not equal to my credit line. Why?

There may be authorized transactions which have not been posted yet. The amount will be deducted from your available credit.

How do I request previous statements?

Please login to your online account and reprint your statement.

I would like to use my JAL USA CARD until just before I return to Japan. How do I cancel my card?

You may call service center in Japan.

Service Center in Japan
Phone number: 0120-828-750
Hours: 9:00 am to 5:00pm Mon-Fri

FAQ regarding JAL USA CARD