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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

17.49% to 20.49%

Purchase APR (variable)


Product NameCathay Pacific Visa Signature® card
Card typeVisa
Annual fee$95
Purchase APR17.49% to 20.49% variable
Balance transfer APRN/A
Cash advance rate29.99% fixed
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 23 days
Late payment feeUp to $38

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at finder.com. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

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 travel rewards card

American Express® Green Card

  • Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new card in your first 3 months.
  • Earn 3x Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn 3x Membership Rewards® points at restaurants worldwide.
  • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership at select airports and stadiums across the U.S. and Permissible Biometric Scanning Technology terms: eye scanning, irises scanning and fingerprints scanning.
  • Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required. Earn up to $100 in statement credits per calendar year on your LoungeBuddy purchases.
  • No foreign transaction fees.
  • $150 annual fee.
  • Terms apply.
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See Rates & Fees

The perks

  • Signup bonus.
    Spending $3,000 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.

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 17.49% or 20.49% variable APR, depending on your creditworthiness.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Gold Delta SkyMiles® Credit Card from American Express
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
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Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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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