JAL USA CARD — FNBO is a personal credit card from FNBO. The annual fee is $35 Annual Fee; $50 Upgrade Fee. The ongoing APR is 23.74% when you open your account. This APR will vary with the market based on the Prime Rate.. Signup bonus: 5,000 Bonus Miles on Your First JAL International Flight; Eligible for flights completed within one year from the credit card issue date. Rewards: Premium Rewards: Earn 2 miles per $1 spent on eligible JAL purchases; Earn 1 mile per $1 spent on everything else; Basic Rewards: Earn 1 mile per $2 spent.