Cathay Pacific Visa Signature credit card review | finder.com

Cathay Pacific Visa Signature® card review

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Cathay Pacific Visa Signature® card

Can international rewards make this your favored travel companion?

  • Get this card if you want to directly earn Asia Miles for travel.
  • Pick something else if you want a more robust rewards program.
  • Apply with a good to excellent score of 670 or higher.
Product NameCathay Pacific Visa Signature® card
Card TypeVisa
Annual Fee$95
Purchase APR18.24% or 21.24% variable
Intro Purchase APR

N/A

Intro Balance Transfer APR

N/A

Cash Advance Rate29.99% fixed
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Minimum Age18 years of age
Welcome Offer30,000 miles when you spend $3,000 in the first 90 days
Rewards2x miles on eligible Cathay Pacific travel and in-flight purchases, 1.5x miles on dining, 1.5x miles on all other purchases outside of the US and 1x miles on all other purchases in the US
Base Rewards1x miles
Rewards Points ExpiryAsia Miles expire 36 months from when you earn them

The basics

The Cathay Pacific Visa Signature® card is one of the few cards to allow direct accumulation of Asia Miles. You can redeem these miles on a variety of travel rewards, including participating hotel stays, car rentals, Cathay Pacific or partner flights and more.

The reward rates let you earn accelerated miles on both flight and international purchases. And you can earn a solid welcome bonus to help offset the annual fee for the first year.

Where the card stumbles is flexibility: The reward rates are good, but limited. But if you travel primarily in areas serviced by Cathay Pacific and its partners, you might find value in this card.

Another airline credit card

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after you use your new card to make $1,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
  • Earn one mile for every eligible dollar you spend on purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
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The perks

  • Signup bonus.
    Spending $3,000 within 90 days of your account opening earns you 30,000 bonus miles. Your account must be open by June 30, 2019 to take advantage of this offer.
  • Rewards miles.
    Earn 2x miles on eligible Cathay Pacific flight purchases, and 1.5x miles on dining in the US and abroad. You’ll also earn 1.5x miles on all eligible international purchases, and 1x miles on all other purchases.
  • Variety of reward categories.
    You can redeem your points for flights with Cathay Pacific and its partner airlines, hotels, car rentals, attraction tickets, gift cards and other eligible merchandise.
  • No foreign transaction fee.
    You won’t need to worry about paying foreign transaction fees when using this card abroad.

You’ll also like …

  • Visa Signature travel perks.
    This card offers the standard array of Visa Signature travel perks, including 24/7 concierge services, emergency card replacement and car rental insurance.
  • Marco Polo Club.
    Upon opening your account you’ll gain entry to the Marco Polo Club along with complimentary Green membership for your first year — a $100 value.

What to watch out for

  • Miles expire
    Your Asia Miles expire 36 months from when you earn them. Gaining additional miles doesn’t reset the expiration date on your existing miles.
  • Annual fee.
    This card features a $95 annual fee and doesn’t include a first-year waiver.
  • High APR.
    Your starting interest will be either 18.24% or 21.24% variable APR, depending on your creditworthiness.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
40,000 miles after spending $2,000 in the first 3 months plus 20,000 miles after spending $8,000 in the first 6 months
2x miles at restaurants, on hotel stays and on purchases from United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months. Earn an additional 20,000 miles after spending $8,000 in the first 6 months.
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees

Compare up to 4 providers

Bottom line

While the intro bonus and access to the Marco Polo Club offer strong value for the first year, this card soon falls short if you’re not consistently traveling with Cathay Pacific or its partner airlines.

If you’re looking for a credit card with different travel perks, compare your options to find one that best suits your needs.

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