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Direct Asia Miles earning for frequent Cathay Pacific flyers
Earn 3X Asia Miles on Cathay Pacific and HK Express flights plus 2X on dining with a $99 annual fee. This is the only US-issued card to earn Asia Miles directly, making it valuable for loyalty program aficionados transferring miles from other cards. However, it lacks lounge access, statement credits, and competitive welcome bonuses—best suited for existing Cathay Program members or those with high transfer volumes from other issuers.
$99
Annual Fee
38,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Asia Miles
Credit Required
Good
38,000
miles
$3,000
Spend Required
90 months
Time Period
Earn 38,000 bonus Asia Miles after $3,000 spend in 3 months, valued at ~$494 (1.3¢/mile). This modest welcome offer is modest vs general travel cards ($600-1,000). 38,000 miles covers a domestic round-trip or half an international economy flight. Best for existing Cathay members rather than new loyalty program entrants.
3X
Earn 3 per USD spent on all eligible Cathay Pacific travel and in-flight purchases
3X
Earn 3 per USD spent on all eligible Hong Kong Express travel and in-flight purchases
2X
Earn 2 per USD spent on dining and eligible dining delivery services
Earn 3X Asia Miles per $1 on Cathay Pacific and HK Express flights booked directly or via agencies. This is the core earning power—no other US card offers direct Asia Miles earning on these carriers, making this the card's primary value proposition.
Book a $2,000 Cathay flight: earn 6,000 Asia Miles (worth ~$78 at 1.3¢/mile valuation)
Earn 2X Asia Miles at all restaurants worldwide including fine dining, casual chains, bars, and food delivery. Coverage is broad with no exclusions or category restrictions, making this rate reliable across your dining spend.
Spend $1,000/month on dining: earn 2,000 miles/month (24,000 annually, worth ~$312)
Earn baseline 1X Asia Miles on all purchases outside of flight and dining bonus categories. No caps or restrictions—earn consistently across groceries, gas, utilities, shopping, and everything else.
Spend $3,000/month on non-bonus categories: earn 3,000 miles/month (36,000 annually, worth ~$468)
Benefits & Perks
Program & Transfers
Move beyond miles
Asia Miles is the loyalty program of Cathay Pacific Airways, based in Hong Kong. As a oneworld alliance member, Asia Miles can be redeemed on 13 oneworld airlines plus over 20 non-alliance partner airlines. The program is known for its premium cabin product, particularly business class on long-haul routes. Asia Miles uses a distance-based award chart with separate pricing for oneworld partners and non-alliance partners. The program offers redemption flexibility with no close-in booking fees and the ability to redeem for family members. Asia Miles is a transfer partner of Citi ThankYou Points with instant 1:1 transfers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| The Points Guy | 1/5 | ||
| Upgraded Points | 2.5/5 |
The Cathay World Elite is a specialized card for existing Cathay Program loyalists or transfer enthusiasts. With no lounge access or statement credits, it ranks below general premium travel cards on pure value. However, for the niche audience of Cathay-frequent flyers or those maximizing Asia Miles transfers from AmEx, Bilt, Cap One, and Citi, it's the only direct-earning option in the US market.
Details & Terms
| Purchase APR | 25.24%–31.24% (Variable) |
| Cash Advance APR | 35.24% (Variable) |
| Foreign Transaction Fee | $0 |
Cathay prices upgrades using a distance-based award chart. The lowest option is 6,000 miles to move from economy to premium economy on an ultra-short route. Upgrading from economy to business starts at 11,000 miles, and business to first class starts at 15,000 miles.
Asia Miles expire after 18 months of no account activity. Any earning or redeeming activity resets the clock, including crediting a flight to the program or transferring points from a credit card partner.
Media & Resources
Direct Asia Miles earning for frequent Cathay Pacific flyers
Earn 3X Asia Miles on Cathay Pacific and HK Express flights plus 2X on dining with a $99 annual fee. This is the only US-issued card to earn Asia Miles directly, making it valuable for loyalty program aficionados transferring miles from other cards. However, it lacks lounge access, statement credits, and competitive welcome bonuses—best suited for existing Cathay Program members or those with high transfer volumes from other issuers.
$99
Annual Fee
38,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Asia Miles
Credit Required
Good
38,000
miles
$3,000
Spend Required
90 months
Time Period
Earn 38,000 bonus Asia Miles after $3,000 spend in 3 months, valued at ~$494 (1.3¢/mile). This modest welcome offer is modest vs general travel cards ($600-1,000). 38,000 miles covers a domestic round-trip or half an international economy flight. Best for existing Cathay members rather than new loyalty program entrants.
3X
Earn 3 per USD spent on all eligible Cathay Pacific travel and in-flight purchases
3X
Earn 3 per USD spent on all eligible Hong Kong Express travel and in-flight purchases
2X
Earn 2 per USD spent on dining and eligible dining delivery services
Earn 3X Asia Miles per $1 on Cathay Pacific and HK Express flights booked directly or via agencies. This is the core earning power—no other US card offers direct Asia Miles earning on these carriers, making this the card's primary value proposition.
Book a $2,000 Cathay flight: earn 6,000 Asia Miles (worth ~$78 at 1.3¢/mile valuation)
Earn 2X Asia Miles at all restaurants worldwide including fine dining, casual chains, bars, and food delivery. Coverage is broad with no exclusions or category restrictions, making this rate reliable across your dining spend.
Spend $1,000/month on dining: earn 2,000 miles/month (24,000 annually, worth ~$312)
Earn baseline 1X Asia Miles on all purchases outside of flight and dining bonus categories. No caps or restrictions—earn consistently across groceries, gas, utilities, shopping, and everything else.
Spend $3,000/month on non-bonus categories: earn 3,000 miles/month (36,000 annually, worth ~$468)
Benefits & Perks
Program & Transfers
Move beyond miles
Asia Miles is the loyalty program of Cathay Pacific Airways, based in Hong Kong. As a oneworld alliance member, Asia Miles can be redeemed on 13 oneworld airlines plus over 20 non-alliance partner airlines. The program is known for its premium cabin product, particularly business class on long-haul routes. Asia Miles uses a distance-based award chart with separate pricing for oneworld partners and non-alliance partners. The program offers redemption flexibility with no close-in booking fees and the ability to redeem for family members. Asia Miles is a transfer partner of Citi ThankYou Points with instant 1:1 transfers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| The Points Guy | 1/5 | ||
| Upgraded Points | 2.5/5 |
The Cathay World Elite is a specialized card for existing Cathay Program loyalists or transfer enthusiasts. With no lounge access or statement credits, it ranks below general premium travel cards on pure value. However, for the niche audience of Cathay-frequent flyers or those maximizing Asia Miles transfers from AmEx, Bilt, Cap One, and Citi, it's the only direct-earning option in the US market.
Details & Terms
| Purchase APR | 25.24%–31.24% (Variable) |
| Cash Advance APR | 35.24% (Variable) |
| Foreign Transaction Fee | $0 |
Cathay prices upgrades using a distance-based award chart. The lowest option is 6,000 miles to move from economy to premium economy on an ultra-short route. Upgrading from economy to business starts at 11,000 miles, and business to first class starts at 15,000 miles.
Asia Miles expire after 18 months of no account activity. Any earning or redeeming activity resets the clock, including crediting a flight to the program or transferring points from a credit card partner.
Media & Resources
Direct Asia Miles earning for frequent Cathay Pacific flyers
Earn 3X Asia Miles on Cathay Pacific and HK Express flights plus 2X on dining with a $99 annual fee. This is the only US-issued card to earn Asia Miles directly, making it valuable for loyalty program aficionados transferring miles from other cards. However, it lacks lounge access, statement credits, and competitive welcome bonuses—best suited for existing Cathay Program members or those with high transfer volumes from other issuers.
$99
Annual Fee
38,000
miles · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Asia Miles
Credit Required
Good
38,000
miles
$3,000
Spend Required
90 months
Time Period
Earn 38,000 bonus Asia Miles after $3,000 spend in 3 months, valued at ~$494 (1.3¢/mile). This modest welcome offer is modest vs general travel cards ($600-1,000). 38,000 miles covers a domestic round-trip or half an international economy flight. Best for existing Cathay members rather than new loyalty program entrants.
3X
Earn 3 per USD spent on all eligible Cathay Pacific travel and in-flight purchases
3X
Earn 3 per USD spent on all eligible Hong Kong Express travel and in-flight purchases
2X
Earn 2 per USD spent on dining and eligible dining delivery services
Earn 3X Asia Miles per $1 on Cathay Pacific and HK Express flights booked directly or via agencies. This is the core earning power—no other US card offers direct Asia Miles earning on these carriers, making this the card's primary value proposition.
Book a $2,000 Cathay flight: earn 6,000 Asia Miles (worth ~$78 at 1.3¢/mile valuation)
Earn 2X Asia Miles at all restaurants worldwide including fine dining, casual chains, bars, and food delivery. Coverage is broad with no exclusions or category restrictions, making this rate reliable across your dining spend.
Spend $1,000/month on dining: earn 2,000 miles/month (24,000 annually, worth ~$312)
Earn baseline 1X Asia Miles on all purchases outside of flight and dining bonus categories. No caps or restrictions—earn consistently across groceries, gas, utilities, shopping, and everything else.
Spend $3,000/month on non-bonus categories: earn 3,000 miles/month (36,000 annually, worth ~$468)
Benefits & Perks
Program & Transfers
Move beyond miles
Asia Miles is the loyalty program of Cathay Pacific Airways, based in Hong Kong. As a oneworld alliance member, Asia Miles can be redeemed on 13 oneworld airlines plus over 20 non-alliance partner airlines. The program is known for its premium cabin product, particularly business class on long-haul routes. Asia Miles uses a distance-based award chart with separate pricing for oneworld partners and non-alliance partners. The program offers redemption flexibility with no close-in booking fees and the ability to redeem for family members. Asia Miles is a transfer partner of Citi ThankYou Points with instant 1:1 transfers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| The Points Guy | 1/5 | ||
| Upgraded Points | 2.5/5 |
The Cathay World Elite is a specialized card for existing Cathay Program loyalists or transfer enthusiasts. With no lounge access or statement credits, it ranks below general premium travel cards on pure value. However, for the niche audience of Cathay-frequent flyers or those maximizing Asia Miles transfers from AmEx, Bilt, Cap One, and Citi, it's the only direct-earning option in the US market.
Details & Terms
| Purchase APR | 25.24%–31.24% (Variable) |
| Cash Advance APR | 35.24% (Variable) |
| Foreign Transaction Fee | $0 |
Cathay prices upgrades using a distance-based award chart. The lowest option is 6,000 miles to move from economy to premium economy on an ultra-short route. Upgrading from economy to business starts at 11,000 miles, and business to first class starts at 15,000 miles.
Asia Miles expire after 18 months of no account activity. Any earning or redeeming activity resets the clock, including crediting a flight to the program or transferring points from a credit card partner.
Media & Resources
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $3/mo Peacock | — | Streaming | — | |
| $5/mo Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn 100 Status Points per year (10 per $5,000 spend), capped monthly.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hong Kong in Economy | 27,000 | — | economy | asia |
| US to Europe in Economy | 27,000 | — | economy | europe |
| US to Southeast Asia in Economy | 38,000 | — | economy | asia |
| US to Hong Kong in Economy on a Partner | 47,000 | — | economy | asia |
| US to Europe in Business | 63,000 | — | business | europe |
| US to Hong Kong in Business | 88,000 | — | business | asia |
| US to Southeast Asia in Business | 115,000 | — | business | asia |
| Domestic US in Economy on a Partner | 15,000 | — | economy | united_states |
| West Coast US to Hong Kong in First Class | 125,000 | — | first | asia |
| East Coast US to Hong Kong in First Class | 160,000 | — | first | asia |
| US to London in Business on British Airways (Low Surcharges) | 63,000 | — | business | europe |
| Round-the-World in Business on Oneworld | 250,000 | — | business | global |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
You cannot directly redeem American Airlines miles on Cathay's website. But since both are Oneworld partners, you can book Cathay Pacific flights with AAdvantage miles through American's program. However, Cathay Pacific restricts most premium cabin award space to its own Asia Miles members.
Yes. Cathay Pacific has one of the world's best business class products with the new Aria Suite on A350s and excellent service. Business class tickets include access to Cathay's highly regarded lounges in Hong Kong.
You can redeem miles for yourself or up to 5 redemption nominees over the lifetime of your account. You can change up to 3 nominees per year, with a $50 fee per change after reaching the limit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $3/mo Peacock | — | Streaming | — | |
| $5/mo Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn 100 Status Points per year (10 per $5,000 spend), capped monthly.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hong Kong in Economy | 27,000 | — | economy | asia |
| US to Europe in Economy | 27,000 | — | economy | europe |
| US to Southeast Asia in Economy | 38,000 | — | economy | asia |
| US to Hong Kong in Economy on a Partner | 47,000 | — | economy | asia |
| US to Europe in Business | 63,000 | — | business | europe |
| US to Hong Kong in Business | 88,000 | — | business | asia |
| US to Southeast Asia in Business | 115,000 | — | business | asia |
| Domestic US in Economy on a Partner | 15,000 | — | economy | united_states |
| West Coast US to Hong Kong in First Class | 125,000 | — | first | asia |
| East Coast US to Hong Kong in First Class | 160,000 | — | first | asia |
| US to London in Business on British Airways (Low Surcharges) | 63,000 | — | business | europe |
| Round-the-World in Business on Oneworld | 250,000 | — | business | global |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
You cannot directly redeem American Airlines miles on Cathay's website. But since both are Oneworld partners, you can book Cathay Pacific flights with AAdvantage miles through American's program. However, Cathay Pacific restricts most premium cabin award space to its own Asia Miles members.
Yes. Cathay Pacific has one of the world's best business class products with the new Aria Suite on A350s and excellent service. Business class tickets include access to Cathay's highly regarded lounges in Hong Kong.
You can redeem miles for yourself or up to 5 redemption nominees over the lifetime of your account. You can change up to 3 nominees per year, with a $50 fee per change after reaching the limit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $3/mo Peacock | — | Streaming | — | |
| $5/mo Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Fast track to top-tier perks
This card comes with an elite status or membership benefit that can unlock priority service, upgrades, and exclusive access.
Earn 100 Status Points per year (10 per $5,000 spend), capped monthly.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| US to Hong Kong in Economy | 27,000 | — | economy | asia |
| US to Europe in Economy | 27,000 | — | economy | europe |
| US to Southeast Asia in Economy | 38,000 | — | economy | asia |
| US to Hong Kong in Economy on a Partner | 47,000 | — | economy | asia |
| US to Europe in Business | 63,000 | — | business | europe |
| US to Hong Kong in Business | 88,000 | — | business | asia |
| US to Southeast Asia in Business | 115,000 | — | business | asia |
| Domestic US in Economy on a Partner | 15,000 | — | economy | united_states |
| West Coast US to Hong Kong in First Class | 125,000 | — | first | asia |
| East Coast US to Hong Kong in First Class | 160,000 | — | first | asia |
| US to London in Business on British Airways (Low Surcharges) | 63,000 | — | business | europe |
| Round-the-World in Business on Oneworld | 250,000 | — | business | global |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
You cannot directly redeem American Airlines miles on Cathay's website. But since both are Oneworld partners, you can book Cathay Pacific flights with AAdvantage miles through American's program. However, Cathay Pacific restricts most premium cabin award space to its own Asia Miles members.
Yes. Cathay Pacific has one of the world's best business class products with the new Aria Suite on A350s and excellent service. Business class tickets include access to Cathay's highly regarded lounges in Hong Kong.
You can redeem miles for yourself or up to 5 redemption nominees over the lifetime of your account. You can change up to 3 nominees per year, with a $50 fee per change after reaching the limit.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
