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Last updated on February 9th, 2022
Cathay Pacific Visa Signature® Card
Cathay Pacific Visa Signature® Card
Earn 35,000 Bonus Asia Miles
- Regular Purchase APR 19.24% or 22.24% variable based on creditworthiness and the Prime Rate.
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee $95
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- Processing Network Visa
- Earn 35,000 bonus Asia Miles when you spend $3,000 in the first 90 days
- Earn 2 Asia Miles per $1 spent on eligible Cathay Pacific travel and in-flight purchases.
- Earn 1.5 Asia Miles per $1 spent on dining in the U.S. or abroad
- Earn 1.5 Asia Miles per $1 spent on purchases outside of the U.S.
- Regular Purchase APR: 19.24% or 22.24% variable based on creditworthiness and the Prime Rate.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $30
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At a Glance
The Cathay Pacific Visa Signature Credit Card is a solid airline rewards card for the frequent traveler to Asia. The card benefits from a good miles-earning rate (double miles for purchases with Cathay, 1.5X miles when dining out or using the card internationally, and single miles everywhere else), as well as no foreign transaction fees, and Elite membership status for one year – good for lounge access worldwide.
New members with the Cathay Pacific Visa Signature Credit Card can also earn up to 35,000 bonus miles when they make qualifying purchases within the first three months – miles which are applicable for flight rewards with Cathay or other Oneworld alliance partners, for hotel stays, rental card bookings, and more.
Ideal for Those Who:
- Frequently fly with Cathay Pacific or another Oneworld airline
- Like the idea of earning 1.5X miles when using your credit card abroad
- Want complimentary lounge access for a year
The Cathay Pacific Visa Signature Card Review
The Cathay Pacific Visa Signature Credit Card is a very good airline rewards credit card for that plan to really use their card for travel. The card earns 2X miles for every dollar spent with Cathay Pacific or for in-flight purchases, 1.5 miles for every international purchase or when dining out and using the card, and 1 mile for every dollar spent on all other purchases.
New cardholders can also expect up to 35,000 Asia Miles (Cathay’s frequent flyer program) when they make qualifying purchases within the first three months of membership. Accounts that use their Cathay Pacific Visa Signature® Credit Card for at least $3,000 in purchases within the first 90 days of opening their account earn 40k miles, a decent haul, for a fair spend.
How to Redeem Asia Miles
Asia Miles earned with the Cathay Pacific Visa Signature Credit Card are redeemable for flights with Cathay Pacific or Cathay Dragon, as well for travel with other Oneworld airline alliance partners. Miles are also applicable towards bookings with hotels and rental car companies, as well as for merchandise from select retailers, or as gift cards.
Marco Polo Status and Other Perks
Cathay Pacific Visa Signature Credit Cardholders receive Cathay Pacific Elite status – good for one free year of Marco Polo Green membership. Marco Polo Club Green status allows complimentary access to Cathay’s impressive airport lounges, as well as the lounges of other Oneworld partners – a great and enticing bonus.
This enticement is made even greater when paired with the fact that reward miles can be applied towards Oneworld partner airlines too – providing access to over 1,000 global destinations. The card also benefits the world traveler by offering 1.5 Asia Miles for every dollar spent abroad – something you normally don’t see in an airline rewards card.
For more information on the Oneworld Alliance, check out:
Should You Apply for the Cathay Pacific Visa Signature Card?
The Cathay Pacific Visa Signature Card is a quality airline rewards card for those who plan to regularly use their card to book flights with Cathay Pacific. While the ability to earn 2x miles on flights, and1.5x on dining is great, the card is hindered by its $95 annual fee. While lounge access for a year more than makes up for this in the first year, after that the $95 annual fee simply doesn’t provide cardmembers with the sort of perks that they can find in other airline rewards cards with the same fees. If you frequently travel with Cathay or another Oneworld partner, this may be the card for you. For everyone else, there may be better value elsewhere.