The ANA Credit Card is a card that allows you to earn miles not only when you board an airplane, but also when you make everyday purchases. The annual fee is low, you can accumulate bonus points, and you can exchange them for points that are easy to use on a daily basis.
In today’s world, where the impact of inflation-related increases in prices and currency depreciation is significant, there is a growing need to build assets through investment. Therefore, it would be a good idea to actively create surplus funds using a system like the ANA credit card that allows you to accumulate points efficiently, and start investing in stocks and virtual currencies such as Bitcoin.
In this article, we will introduce the benefits of the ANA credit card, how to exchange points, and recommendations for virtual currency.
- table of contents
- Basic information of ANA Card
- Three benefits of using an ANA credit card
- How to convert accumulated miles to points
- Why Bitcoin is attracting attention as an investment destination
- If you want to start Bitcoin with surplus funds, “small amount investment”
- Efficiently save land miles and invest in Bitcoin with surplus funds
1. Basic information of ANA Card
First, let me give you an overview of the ANA Card.
1-1. Features of ANA Card
ANA Card is a general term for cards issued by the ANA (All Nippon Airways) Group, which is well-known for its airline business, in partnership with credit card issuers.
The card allows you to accumulate ANA miles efficiently, such as when you sign up for the card, when you continue to sign up for the card, and when you continue using the card, as well as every time you use ANA, you can earn bonus miles. Member benefits unique to an airline are also attractive, such as discounts at airport stores.
Furthermore, the ANA Group is actively expanding into the Web3 area, including being the first airline group in the world to launch an NFT marketplace.
1-2. What are “land miles” earned with ANA Card?
“Land miles” are miles earned by shopping or using point sites without boarding a plane. You can save money by using your ANA credit card instead of cash when paying for fixed expenses and everyday shopping.
Accumulated land miles can be exchanged for points from other companies for a small fee via the point site described below.
2. Three benefits of using the ANA credit card
Next, let’s introduce three benefits of the ANA credit card.
2-1. Low annual membership fee
First, the annual membership fee is low. Most ANA credit cards are free for the first year. The annual membership fee from the second year onwards varies depending on the type, but is around 2,200 yen.
In addition, there are many cases where annual membership fees are discounted or waived, so please check the official website to see if you meet the conditions when considering use. For example, student cards have no annual fee while enrolled in school, and ANA JCB Card ZERO (ages 18 to 29) waives membership fees for primary members for five years.
2-2. Earn miles by using eligible stores
If you use your ANA Card to pay at eligible stores, you will earn miles in addition to using your credit card. As of September 2023, examples of eligible stores where you can earn bonus miles are as follows.
|Point return rate
|In-store usage: 1 mile for every 200 yen spent
Online deposit: 1 mile for every 100 yen
Starbucks eGift, Book of eGifts: 3 miles for every 100 yen
|Keisei Yuzen (Narita International Airport Terminal 1)
|1 mile for every 200 yen
|Nishikawa official online shop
|1 mile for every 200 yen spent on product purchases
|1 mile for every 100 yen (tax included) purchased
You can also expect to earn miles even more efficiently by comprehensively using various services provided by the ANA Group, such as the ANA Mileage Mall, which can be used for online shopping services.
2-3. You can also earn double points with credit card points.
If you use an ANA credit card, you can earn dual credit card points and miles.
For example, if you obtain an ANA VISA Suica Card and centralize your transportation payments, you will earn V Points every time you charge your Suica, making it more economical than using a regular Suica. You can charge your Suica with the V points you have accumulated.
This card is the only ANA credit card that supports Suica charging, so it is suitable if you use Suica on a daily basis. The money charged to your Suica can also be used at convenience stores and drug stores.
3. How to convert accumulated miles to points
The miles you earn can be converted into points and used to pay for your daily needs. There are many points that can be exchanged from miles, including “Rakuten Points,” “T Points,” “nanaco Points,” and “Seven Card.” You can check the official website for a list of exchange locations.
In this chapter, as an example, we will explain how to exchange miles for Suica points. To exchange points, use the “VIEW ALTTE” ATM corner located at JR East stations and Bic Camera. The method to charge miles to Suica is as follows.
- After pressing the Suica charge button, select affiliated point charge
- Insert the card you want to charge to Suica
- Enter your PIN and the amount of points you want to exchange.
Regardless of the number of points you exchange in a year, you can charge 10,000 miles to a Suica worth 10,000 yen. Let’s simulate how much surplus money you can generate by actually using an ANA credit card for a year. The simulation assumes the following conditions.
- “Save 1 point for 200 yen without using bonus points”
- “Pay 200,000 yen every month for one year with an ANA credit card”
Then, you can expect the following surplus funds:
In this way, if you use your ANA credit card for one year, you will have a surplus of 12,000 yen. Why not use this surplus funds to start investing small amounts in Bitcoin?
4. Why Bitcoin is attracting attention as an investment destination
From here, let’s explain why Bitcoin is attracting attention as an investment destination.
4-1. Effective as an inflation hedge
Compared to the past, inflation has caused prices to rise and the value of cash to decrease. For example, even if the Bank of Japan’s “inflation rate” of 2% is maintained, the value of the Japanese yen in 20 years will decline to about 67% of its current value. This means that goods and services that can be purchased for 670,000 yen today will no longer be available for purchase until 20 years from now unless you pay 1 million yen.
Cryptocurrencies such as Bitcoin are considered effective as an investment option that serves as an “inflation hedge” that can address issues beyond those currently occurring.
Bitcoin is also attractive because it is operated in a decentralized and decentralized manner, making it highly reliable. A major feature of Bitcoin is that it is difficult to tamper with recorded information, as it is managed by computers all over the world.
4-2. Bitcoin is the “original” virtual currency
Among the many virtual currencies, Bitcoin is the “original” virtual currency, which began operation in 2009. Bitcoin first attracted attention about 10 years ago in 2013, when the financial crisis that occurred in the Republic of Cyprus led to a decline in trust in the central banks of various countries, and there was a movement around the world to find an alternative asset to fiat currency. I accelerated. This event triggered a sharp rise in the price of Bitcoin, as many wealthy people exchanged legal currencies such as the euro and renminbi for Bitcoin.
This movement has been accelerating in recent years; for example, in 2020, PayPal, a major US payment company, announced a virtual currency trading service, causing the price of Bitcoin to rise. Additionally, in an impressive example of a nation adopting virtual currency, El Salvador established Bitcoin as “legal tender” in 2021.
However, in 2022, the overall market slumped due to monetary tightening by the Federal Reserve Board (Federal Reserve Board), and even in the virtual currency market, the Bitcoin price fell to around $10,000. However, there are many people who have high hopes for the future of virtual currencies, such as Arthur Hayes, co-founder of the virtual currency exchange BitMEX, who predicts that Bitcoin will reach a new high in 2024.
5. “Small investment” if you want to start Bitcoin with surplus funds
If you want to start Bitcoin with surplus funds, start with a small investment. Investing small amounts based on dollar-cost averaging is recommended for beginners as it reduces the risk of price fluctuations. Dollar-cost averaging is the basic investment method of “purchasing a fixed amount regularly and continuously” of products whose prices fluctuate, such as Bitcoin.
For example, let’s assume that you purchase Bitcoin for 1,000 yen once a week. In that case, when the price of Bitcoin is high, the quantity that can be purchased is small, and when the price is low, the quantity that can be purchased is large. By continuing this purchasing method over the long term, you can lower your average purchase price and automatically reduce the risk of price fluctuations.
In addition, when making savings investments using dollar cost averaging, you can set up automatic purchases at an exchange, etc., and there is no need to trade manually, which saves time and effort. Furthermore, there is no need to check the chart every few minutes and distinguish between low and high prices, so even beginner investors can easily use it. Investing small amounts is recommended because there is no risk of losing a large amount of money in an instant, and there is less stress.
6. Efficiently save land miles and invest in Bitcoin with surplus funds
The ANA credit card has a low annual fee and is a card that allows you to earn points. With the Suica function, you can centralize your transportation expenses and use the accumulated miles by charging them to your Suica.
It is effective to invest surplus funds saved using credit cards in virtual currency to prevent the funds from being depleted due to inflation. In particular, Bitcoin, the “original” virtual currency, is suitable for first-time virtual currency investments.