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Cathay Pacific Visa Signature® card review

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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.


Miles as welcome offer

Up to 2x



Annual fee

15.99% to 18.99%

Purchase APR (variable)


Annual fee$95
Welcome Offer40,000 miles after spending $2,000 in the first 90 days
Rewards2x miles on Cathay Pacific, 1.5x on dining, 1.5x on other purchases outside the US and 1x on all other purchases in the US
Purchase APR15.99% to 18.99% variable
Balance transfer APRN/A
Recommended minimum credit score670

Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

Expert review

The Cathay Pacific Visa Signature® card is one of the few cards to allow direct accumulation of Asia Miles. You‘ll earn 2x miles on eligible Cathay Pacific travel and in-flight purchases, 1.5x on dining and international purchases, 1x on domestic purchases, and a 40,000 mile welcome offer after you spend $2,000 in the first 90 days of account opening. This card also has no foreign transaction fees and carries a $95 annual fee.

The reward categories and lack of foreign transaction fees make this an interesting choice for international travels, particularly if Cathay Pacific is a favored airline.

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.

Cathay Pacific Visa Signature® card benefits

  • Signup bonus.
    Spending $2,000 within 90 days of your account opening earns you 40,000 bonus miles.
  • 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.
  • 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 15.99% or 18.99% variable APR, depending on your creditworthiness.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases

Rose Gold is back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see 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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